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BBB Advice for Avoiding Automobile Repair Scams

2/7/2012

Posted on 2/7/2012 by

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you should know how to find a reliable shop and mechanic. Better Business Bureau recommends following a few key pointers to ensure that your automobile gets fixed without a glitch.

While many auto repair shops are legitimate, there are always those unscrupulous few that end up sucking thousands of unnecessary repair dollars from consumers. In 2011, BBB received more than 14,500 complaints against auto repair services and fielded more than 1.5 million inquiries from consumers looking to find a reliable business in the industry. Many of the complaints received by BBB fell under billing, service, and refund and exchange issues.

“Whenever you take your car to the shop, never try to diagnose the problem yourself. Describe the symptoms and ensure that the work cannot begin until you have a written estimate and given your okay,” said Jocile Ehrlich, BBB President. BBB recommends considering the following advice when taking your car in for auto repair services:

Check your warranty. If you have a problem with your vehicle while it is still under warranty, follow the manufacturer's instructions, which may require that repairs be made at an authorized dealership.

Ask around. If you are looking for a qualified, independent shop, ask friends for recommendations, or request a list of BBB Accredited Businesses that do the type of auto repair you need. Be sure to check with BBB about the shop's reliability at www.bbb.org/search. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, you will need to find a shop employing a specialist.

Ask all the questions that you need. Don't be embarrassed to request explanations. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be called and apprised of the problem, course of action, and cost of work before any work begins.

Before authorizing repairs, get a written estimate for parts and labor. Tell the shop to get your permission before making additional repairs. Ensure you receive notification by having the service manager write a request on the bottom of the repair order. Give phone numbers where you can be reached and, before you leave, be sure to understand all shop policies regarding labor rates, guarantees, and acceptable methods of payment.

Get everything in writing. When you pick up your vehicle, get an explanation of all work completed and get all guarantees in writing. Ask that any major new parts that have been installed be pointed out to you. Your repair bill should be itemized so, if a problem occurs later, you can prove the item is covered by the guarantee.

For more consumer tips you can trust, visit www.bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at www.bbb.org/scam.

Protecting Data – Does Your Business Know What to Do?

2/7/2012

Posted on 2/7/2012 by

In times of escalating privacy and data breaches, customers expect every business — large or small — that collects their sensitive personal information will protect it. Better Business Bureau advises business owners to proactively address customer anxiety and takes steps to both prevent and prepare for a security breach. BBB has endorsed the Online Trust Alliance’s Data Protection and Breach Readiness Guide, recently updated for 2012

Last year, more than 125 million people were affected by data loss incidents. Increased awareness of these high visibility incidents, as well as aggressive data collection and sharing practices, have eroded consumers’ trust and online confidence, according to OTA.

“The Internet has become the land of opportunity for scams and, unfortunately, we see thousands of them every year,” notes Genie Barton, Vice President of the Council of Better Business Bureaus and director of its Online Behavioral Advertising Program. “Consumers need assurances that they can trust the companies they do business with to secure their data, and the OTA Data Protection and Breach Readiness Guide is a great tool to help businesses protect themselves and their customers.”

In the wake of a security breach, it’s important to take action quickly. Small and large businesses alike need to be able to readily determine the nature and scope of the data incident, and take all appropriate steps to contain and stop the attack.

BBB recommends the 2012 guide and encourages all businesses to use its suggestions to help build a safer Internet for all.

The 2012 Data Protection and Breach Readiness Guide reflects input from a wide range of stakeholders, including interviews with companies that have experienced breach and data loss incidents, and industry and breach analysis experts.

For more data security advice you can trust, visit www.bbb.org/data-security, and for a complete OTA guide, visit https://otalliance.org/breach.html.

Don’t Let an “Authorization Hold” Hold You Hostage

2/7/2012

Posted on 2/7/2012 by
Credit is a convenience; it allows you to charge a meal on your credit card, pay for an appliance with an installment plan, or take out a loan to buy a house. With credit you can make a purchase when you lack ready cash, and you can enjoy the purchase while you are paying for it.

However, when dining out at a fancy restaurant or spending the night away in a hotel, it’s important to take notice of what the banking industry calls an “authorization hold.”

The issue was first identified by BBB of Southern Arizona when a customer complained that a restaurant had put through a charge equal to his bill plus 20%, even though he had left the server’s tip in cash. Upon investigation, Dispute Resolution Specialist Micaela Clubb discovered that it’s a common practice.

How Authorization Holds Work

Here’s how it works: Let’s say your restaurant bill comes to $100 and you give the server your credit card. When they run it through, they put an authorization hold on your account for $120, assuming you’re going to add a nice tip to the bill. But you leave the tip in cash on the table instead. Still, your bank or credit card company “holds” that $120 for a couple of days until the actual amount of your charge is processed…and that means you don’t have access to that $20. If you are close to your credit limit, it could mean a purchase is declined. If you used a debit card, it could mean a bounced check and overdrafts fees.

Now imagine it’s a hotel stay. You’ve checked in and given a credit card at the front desk. They put an authorization hold on your card for what they think your total bill will be (room charge, taxes, incidentals). If you are staying for several nights, this could amount to a lot of money that you no longer have access to; and when you are traveling, that can be a huge problem.

What You Can Do

Credit card processors discourage vendors from doing these kinds of holds, but they are perfectly legitimate as long as the vendor notifies customers of the practice. BBB advises consumers to keep tabs on their credit and bank accounts online, especially when traveling, and read the fine print on hotel agreements. When dining, pay for your check and tip together with either credit or cash, but not both. And whenever possible, keep a “cushion” of available funds on credit cards by paying off the balance regularly.

For more consumer information you can trust, visit www.bbb.org/news.

BBB Advice for Navigating the Funeral Process

2/7/2012

Posted on 2/7/2012 by

At an average cost of $7,000, funerals are one the more expensive purchases made by consumers. During an emotionally-charged time it can be easy to spend more than might be necessary. Better Business Bureau recommends the following advice for navigating the funeral process.

Most funeral providers offer a variety of package plans that include products and services that are most commonly sold. However, it’s important to remember that no package is obligatory and it’s important to take the time, even though it may be constricted, to find the individual products and services that you prefer. The “Funeral Rule,” enforced by the Federal Trade Commission, requires funeral directors to give you itemized prices in person and, if asked, over the phone.

The Funeral Rule:

You have the right to choose the funeral goods and services that you want (with some exceptions).
The funeral provider must state this “Rule” in writing on the general price list.
If state or local law requires you to buy any particular item, the funeral provider must disclose it on the price list, with a reference to the specific law.
The funeral provider may not refuse, or charge a fee, to handle a casket that you bought elsewhere.
A funeral provider who offers cremations must make alternative containers available.

“Most importantly, don’t be afraid to ask questions and read contracts before you sign,” notes Jocile Ehrlich, BBB President. “If you feel as if you are being pressured into buying something you do not want or need, ask to speak to a different funeral director or go to a different funeral home.”

Can You Pre-Plan A Funeral?

One way to reduce stress during a time of grief is pre-planning. The National Funeral Directors Association offers a “Bill of Rights for Funeral Preplanning” (www.nfda.org/planning-a-funeral/preplanning.html) that its members follow. You do not have to prepay for a funeral in order to preplan one, although there may be financial benefits to doing so.

BBB has Business Reviews on more than 1,350 funeral homes and mortuary service providers across North America, available for free at www.bbb.org/search.

Buyer Beware as Shoddy Knock-offs Infiltrate the Internet

2/7/2012

Posted on 2/7/2012 by

The market for counterfeit luxury items is wide and deep, selling everything from jewelry and perfume to handbags and sunglasses. For bargain-hunters looking for name-brand items at discount prices online, Better Business Bureau offers advice on avoiding web-based rip-off schemes.

Conterfeit is Big Business

According to a report by the Department of Homeland Security, the total domestic value of merchandise seized during fiscal 2011 was $78.3 million, an amount that would have had a value of $1.11 billion had it been legitimate. The category of seized consumer safety and critical technology goods rose in value by 41 percent compared to fiscal 2010, the report says.

Online classified sites like Craigslist or eBay are hot spots for counterfeit luxury item fraud online, and both offer “buyer beware” warnings. But venders are now setting up their own websites to fool frugal fashionistas.

“In a tight economy, consumers are always looking to save a buck or two,” said Jocile Ehrlich, BBB President. “Too often, what looks to be a ‘great deal’ is really a shoddy knock-off in disguise.”

Spotting a Fake

BBB offers the following advice for shopping safely online when looking for deals on designer goods, as well as tips on how to spot a fake:

Always deal with reputable businesses. The number one way to avoid getting ripped off when buying luxury goods is to deal with reputable businesses. When in doubt, shoppers can contact the manufacturer and verify which venders are authorized sellers. Consumers should also check out the business with BBB at www.bbb.org/search before making a purchasing decision.

If the price seems too good to be true, it probably is. One of the biggest red flags for knock-off merchandise is an unrealistic price. Extremely low prices are tempting but not to be believed. Paying $100 for a $1000 purse could result in the consumer receiving a poorly constructed – and worthless – fake.

Read between the lines. Some websites or online classified ads will go overboard in their description of the item in order to coax the buyer’s trust. Overuse of “genuine,” “real” or “authentic” is a bad sign. Buyers also need to keep an eye out for sneaky phrases like “inspired by.”

Check the merchandise. Considering that the name is a large part of the motivation for buying a luxury brand, many manufacturers spend considerable time and energy on crafting the physical label. Counterfeiters aren’t usually as meticulous. Shoppers should look for misspelled words and brand names, poorly sewn logos and labels, etc. Some luxury goods carry an “authenticity label” with a hologram or other security measure.

Know the brand. Different luxury brands, such as purses, have specific hardware consumers can rely on to identify a genuine piece. Zippers, screws, clasps and stitching are usually very specific for the brand and the manufacturer often has details on their website explaining what to look for and how to spot a knock-off. Craftsmanship is king for most luxury brands. If the sunglasses snap in two in the first week, or if the stitching and seams are ragged and don’t match up on a purse, the items are probably counterfeit.

Consumers who have purchased counterfeit luxury goods should contact BBB and can easily file complaints online at www.bbb.org/complain. Consumers can also contact the Consumer Product Safety Commission at www.cpsc.gov and file a complaint online there as well.

For more consumer tips you can trust, visit www.bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at www.bbb.org/scam.

Scammers Pick Up the Phone in New Twist on BBB Phishing Scam

1/26/2012

Posted on 1/26/2012 by

Better Business Bureau is warning consumers about a new twist in the ongoing BBB phishing scam. Consumers now are reporting receiving phone calls – in addition to emails – from scammers claiming to be from BBB.

In the scam, callers offer help removing a virus from the recipient’s computer. They claim the computer was infected when the owner downloaded a virus from an email scam using the BBB name. Consumers reported scammers calling from 858-102-3252.

BBB is cautioning consumers not to give out any personal information to callers or to install or download any software they recommend.

Since late November, many consumers and business owners nationwide have received phishing emails appearing to be from a BBB.org email address. These emails inform the recipient of a non-existent BBB complaint against their business and encourage them to respond. In a newer take on the scam, emails urge the recipient to update their information with BBB by completing an online form. All emails either contain an attachment or a link to a third-party website, both of which download a virus on to the recipient’s computer.

Should you receive a suspicious email, don't click on any links. You can test the links by using your mouse to hover over them. The destination of the links will appear in a small pop-up box next to the link or at the bottom of the screen. See the screenshot (one word?) below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

Watch Out for New Wave of Fake BBB.org Emails

1/24/2012

Posted on 1/24/2012 by

Businesses and consumers across the country have been hit by an on-going email scam that appears to be from a bbb.org address. Now, a new wave of fake BBB emails is using a different strategy to scam recipients into downloading a virus.

The New Email Scam

In this new wave, emails have a subject line reading "BBB SBQ Form," followed by a series of numbers. Recipients are asked to click on a link to update their information with Better Business Bureau. The link supposedly leads to a form on BBB.org, but it really goes to a third party website that downloads a virus on to your computer.

In addition to the new wave of emails, the original version of the email scam is still out there. In this, recipients are told that a complaint has been filed against their business, and they need to respond by clicking on a link in the email. Again, the link takes them to a third-party website that infects their computer with a virus.

What to Do

Should you receive a suspicious email, don't click on any links. You can test the links by using your mouse to hover over them. The destination of the links will appear in a small pop up box next to the link or at the bottom of the screen. See screen shot below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

After you have identified a scam, please forward the email to phishing@council.bbb.org and delete it from your inbox. Also, make sure your virus software is up to date.

Look Out for Super Bowl Scams

1/24/2012

Posted on 1/24/2012 by

With the Super Bowl just around the corner, Better Business Bureau is warning consumers to be on the alert for knock-off team jerseys, counterfeit memorabilia and phony game tickets.

“There are three good reasons not to buy counterfeit goods: theft, quality and security,” notes Jocile Ehrlich, BBB President. “Counterfeit items are stolen goods. If you love your team, don’t buy a hat or jersey from someone who has stolen the team’s name and logo for their own profit. And counterfeit items are almost always more cheaply made, which means they won’t last as long as the real thing.”

But you may have an even bigger problem if you try to buy counterfeit memorabilia online. Several BBBs around the country have reported websites that don’t even have any merchandise to sell you…they just want your credit card number and personal information in order to steal your identity or drain your bank account. The best way to ensure you are getting official sports gear is to buy directly from the team or league websites, or from official vendors at the stadium.

Beware of Ticket Scams

Tickets for the big game can be an even bigger rip-off. There are thousands of Super Bowl tickets currently listed on Craig’s List, but the site offers no guarantees of any kind and does not require identification of its listers. Buying in person isn’t always an improvement, as it’s gotten easier and easier for scammers to make fake tickets that look real.

So where can you turn? Sites such as Stub Hub (www.stubhub.com) guarantee your tickets’ authenticity. There were 2,800 tickets available as of yesterday, starting at $2,450 a piece. Ticketmaster (www.ticketexchangebyticketmaster.com) handles ticket exchanges for the NFL, and had over 800 tickets available as of yesterday, starting at $2,864.

In general, avoid scams by being skeptical of:

Offers that sound “too good to be true”
Pushy sales tactics
Poor quality of merchandise
Offers that require wire transfer of funds

And always check out a business first at www.bbb.org/search.

For more consumer tips you can trust, visit www.bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at www.bbb.org/scam.

New Year’s Resolution: Lose Weight not Money

1/5/2012

Posted on 1/5/2012 by

Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. If you’re pledging to lose some pounds this year by joining a gym, Better Business Bureau recommends asking ten questions before signing on the dotted line.

Each New Year millions of consumers crowd into gyms armed with willpower and personal goals toward healthier, more active lifestyles. While it’s exciting to gear up towards a goal, it’s also important to treat this decision like any other major purchase. To date, BBB has received more than 6,600 complaints against gyms ranging everywhere from billing and collection issues to overall contract issues.

Joining a health club can be a major purchase, so first check out www.bbb.org/search to see how your club rates. BBB also recommends asking the gym and yourself the following questions before signing up for a membership:

Five questions to ask the gym:

What are the terms of any introductory offers? Gyms often use special introductory offers to lure in new members. Just make sure you understand the terms and what the price will be once the introductory period is over.

Will my membership renew automatically? Many times people who joined a gym didn’t realize that their contract would renew automatically and that they would have to take specific steps to cancel their contract.

How can I get out of my contract? Getting out of a gym contract isn’t always as easy as getting into one, so make sure you understand what steps you would need to take to cancel your membership.

What happens if I move? Gyms have any number of different policies when it comes to how moving will affect your membership. It might depend on how far away you’re moving and if they have other locations nearby.

What happens if you go out of business? Ask the gym to explain what will happen to your money if they suddenly go out of business.

Five questions to ask yourself when looking at potential gyms/health clubs:

What are my fitness goals? Determining your fitness goals in advance will help you select a facility that is most appropriate for you. If you have a serious health condition, consult with a medical professional when setting your fitness goals.

Is this location convenient? If the gym is across town, you’ll be less likely to work out. Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.

Can I really afford this every month? Monthly gym fees add up and, after any introductory periods are over, the price could jump higher than your budget can handle. Do the math before you join and make sure you can afford a gym membership.

Am I feeling pressured to join? Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities, and make an informed decision.

Did I get everything in writing? Read the contract carefully and make sure that all verbal promises made by the salesperson are in writing. What matters is the document you sign, so don’t just take a salesperson’s word for it.

For more advice from BBB on how to be a savvy consumer all year long, visit www.bbb.org.

New Year’s Resolution: Avoid Holiday Debt by Starting a Christmas Club Today

1/5/2012

Posted on 1/5/2012 by

Did the holidays leave you in the hole for the new year? Did January’s bills ruin your holiday spirit? Are you determined that next year you won’t blow your Christmas budget?

Now is the time to plan ahead so the 2012 holidays are merry and bright, not overshadowed by looming debt. Starting a Christmas Club account might be the perfect way to get your finances off to the right start this new year. Better Business Bureau is advising consumers to plan ahead and make the upcoming year’s holiday season easier on the family finances by setting up a Christmas Club account now.

Traditionally, Christmas Club accounts have been offered at credit unions and most banks. Customers can set aside a small amount of money every month into a savings account until the fall, when they can then start making withdrawals to pay for holiday expenses. According to the Credit Union National Association, nearly 72 percent of credit unions run Christmas Clubs, and consumer interest in these clubs is holding steady.

Some retailers are also offering their own form of a Christmas Club that pays interest on the money you set aside with them throughout the year. However, unlike setting up an account with a bank or credit union, the money must be spent with that retailer.

“Along with taking the time to shop around for the best interest rate, it’s also important to read all of the fine print that accompanies such an account,” said Jocile Ehrlich, BBB President. “A Christmas Club account is a great savings tool throughout the year and the perfect way for families to get a hold of their holiday spending.”

BBB recommends that it’s never too early to consider budgeting for next year’s holiday season and offers the following advice on setting up a Christmas Club account:

Build a budget and stick to it. Consider how much you spent in the previous holiday season to help anticipate how much you will want to set aside every month. To help you budget for the holidays, BBB, along with ClearPoint Financial Solutions, has developed an interactive budget tool that includes a holiday spending calculator.

Start saving now. The sooner you start setting aside money every month, the better. By setting up a Christmas Club account in January or February you’ll benefit more from the interest rate and start the year off on the right foot.

Shop around and ask around. While the interest rate on Christmas Club accounts is not typically very high, it can vary, so shop around for the best deal.

Read the fine print. Christmas Clubs are essentially short term savings accounts, but there are a few details that make them different. In some cases, there might be a minimum required deposit to open the account, or a minimum amount you must deposit every month. In addition, there is often a financial penalty for withdrawing the funds before the holiday shopping season arrives.

Automate the process. Most Christmas Club accounts allow for monthly automatic deductions from your bank account or paycheck. This helps lessen the pinch. Just make sure that you don’t set aside so much that you run the risk of overdrawing on your accounts.

Know the deal with retailer Christmas Clubs. Some stores are now offering their own Christmas Clubs. The money socked away with the business all year long can only be used at their stores, so evaluate your holiday shopping needs before signing up with a specific retailer.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

Set up a Disaster Plan for Your Business and Employees

1/5/2012

Posted on 1/5/2012 by

Reacting to a natural disaster or emergency not only means ensuring the immediate safety of employees, but also planning how the business will continue to function in the aftermath. Even if your business is not located in an area that is a likely target for a natural or manmade disaster, you need to be prepared for the unexpected with a comprehensive business continuation plan. Better Business Bureau advises business owners to develop a plan of action should their business face a disaster.

Creating a disaster plan for your business is a great way to start the new year. According to the Insurance Institute for Home and Business Safety, one in four small businesses forced to close because of a disaster never reopens. Business that have a business continuity plan in place – and use it during and after disaster strikes – typically experience less damage, loss and downtime than businesses without a plan.

“If your business lacks an emergency plan, a natural disaster can turn into a business catastrophe,” said Jocile Ehrlich, BBB President. “But a solid emergency plan can give you a lot of peace of mind and a greater sense of security.”
After you’ve made plans to ensure the safety of your employees, BBB offers the following advice to help keep your business operating and meeting your customers’ needs in the wake of a disaster:

Don’t be caught off guard. Consider the different types of disasters—fire, flood, tornado, etc.—that can occur and how your business would respond differently to being displaced for a week, a month, or longer.

Know your surroundings. Determine alternate locations for your business to operate if you are displaced from your current building. This could mean enabling employees to work from home or finding an alternate location for your office or store.

Prepare your staff. Identify essential staff who are core to the operations of the business and keep a list of their phone numbers (home, work, pager, cell) and e-mail addresses that can be accessed by employees from several locations (home, Internet, etc.).

Communicate, communicate, communicate. Devise an emergency communications plan that outlines how your business will communicate with employees, customers, vendors and other key external contacts in the days following a disaster. Contact vendors and suppliers to confirm their emergency response plan procedures. Be prepared to use alternate vendors for essential supplies and equipment. Have your back-up equipment kept in good working condition.

Have an up-to-date inventory of your assets. Review your insurance policies to ensure that you have adequate coverage for items you cannot afford to lose. A standard policy may not cover business interruption losses.

Store your documents safely and efficiently. Keep duplicates of personnel, payroll, payables and receivables and other essential records at an off-site location. Regularly make back-up copies of important computer files.

Establish a succession of management for the company. Determine who will manage the company if key leaders are unavailable.

For more business tips you can trust, visit www.bbb.org/us/bbb-news.

Watch Out for Free Cruise Scams This Vacation Season

1/3/2012

Posted on 1/3/2012 by
As the winter months set in and the snow piles up, nothing sounds better than relaxing under a tropical sun. Winter and spring are prime cruising months, but Better Business Bureau is advising consumers to read all of the fine print before signing up for a special cruise deal.

In 2011, BBB received more than 1,300 complaints against cruises. While many cruise deals are legitimate, there are always those sneaky few that end up sucking thousands of dollars from victims. BBB is urging consumers to be cautious of unsolicited mail with offers of free or discounted cruises.

“Many times, scammers will send numerous e-mails, postcards, and other mailings trying to get you to call them in order to claim your ‘free cruise,’” said Jocile Ehrlich, BBB President. “Don’t be fooled by professional looking websites either. Gather as much information as you can about the business, and ask a lot of questions before signing on the dotted line.”

BBB and CruiseCitic.com recommend the following tips to consumers who are looking to book a cruise getaway:

Don’t be a victim. Oftentimes, vacation scammers will use high-pressure sales tactics and make you feel coerced to buy the limited-time deal on the spot. A reputable business or travel agent will provide any information that you request, and give you time to decide before booking a vacation.

Always check the business first. If an offer sounds too good to be true, it usually is. Before giving a business any personal information, check out their BBB Business Review at www.bbb.org/search. Consumers can also contact the Cruise Lines International Association (CLIA) for information on finding a reputable travel agent.

Pay with a credit card. For your best protection against a dishonest seller of travel, always pay for your cruise fare -- both the initial deposit and the final payment -- with a major credit card such as Mastercard, Visa or American Express. If problems arise, you may be able to dispute the charges with your credit card company. Important note: This protection may not apply to those using debit or check cards; it's important to confirm policies with your issuing bank before you charge.

Ensure your money is in the right hands. After you've made a payment, review your credit card or bank statement and make sure that any applicable charges originate directly with the cruise line, not with the travel agency. That way, you'll know that the cruise line has definitely received your money. If you must pay by check or money order, it should be made payable to the cruise line -- not to the agency or to an individual.

Get proper confirmation of your booking. Insist on getting the actual cruise line's confirmation numbers, not just a confirmation number from your agency. Not only will you then know that your information and money is in the right hands, but you'll also be able to pre-reserve shore excursions, restaurant reservations and spa appointments (where available) on the cruise line's website.

Don’t be afraid to ask lots of questions. Before signing on the dotted line make sure all of the details have been clearly outlined and the pricing has been thoroughly explained. Double check whether there are hidden cancellation fees, port charges, or insurance processing fees that haven’t been covered.

Consider investing in travel insurance. Travel insurance can provide protection in the event of an accident, an illness, lost luggage, or a canceled or interrupted trip, among other things. Follow the same steps outlined here when buying travel insurance.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

BBB Names Top Ten Scams of 2011

1/3/2012

Posted on 1/3/2012 by

Better Business Bureau investigates thousands of scams every year, from the latest gimmicks to schemes as old as the hills. Our new Scam Source (www.bbb.org/scam) is a comprehensive resource on scam investigations from BBBs around the country, with tips from BBB, law enforcement and others. You can sign up to receive our Scam Alerts by email, and you can also be a scam detective yourself by reporting scams you’ve discovered.

We’ve divided scams up into nine major categories and picked the top scam in each, plus our Scam of the Year.

Top Job Scam

BBB sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity. Emails, websites and online applications all look very professional, and the candidate is even interviewed for the job (usually over the phone) and then receives an offer. In order to start the job, however, the candidate has to fill out a “credit report” or provide bank information for direct deposit of their “paychecks.” The online forms are nothing more than a way to capture sensitive personal data – Social Security number, bank accounts, etc. – that can easily be used for identity theft. And, of course, there is no job, either.

Top Sweepstakes and Lottery Scam

Sweepstakes and lottery scams come in all shapes and sizes, but the bottom line is almost always this: You’ve won a whole lot of money, and in order to claim it you have to send us a smaller amount of money. Oh, and keep this confidential until we’re ready to announce your big winnings. This year’s top sweepstakes scam was undoubtedly the email claiming to be from Facebook founder Mark Zuckerberg announcing that the recipient was the winner of $1 million from the popular social networking site. These kinds of scams often use celebrities or other famous names to make their offer seem more genuine. If you aren’t sure, don’t click on the link but instead go directly to the homepage of the company mentioned. If they are really giving away $1 million, there will be some kind of announcement on their website. But don’t waste too much time looking.

Top Social Media/Online Dating Scam

On the Internet, it’s easy to pretend to be someone you are not. Are you really friends with all of your “Friends” on Facebook? Do you have a lot of personal information on a dating site? With so much information about us online, a scammer can sound like they know you. There are tons of ways to use social media for scams, but one this year really stands out because it appeals to our natural curiosity…and it sounds like it’s coming from a friend. Viral videos claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity hijinks have shown up on social media sites, often looking as if they have been shared by a friend. When you click on the link, you are prompted to “upgrade your Flash player,” but the file you end up downloading contains a worm that logs into your social media account, sends similar messages to your friends, and searches for your personal data. The next time you see a sensational headline for the latest viral video, resist the urge to peek.

Top Home Improvement Scam

Always near the top of BBB complaint data are home improvement contractors who often leave your home worse than they found it. They usually knock on your door with a story or a deal – the roofer who can spot some missing shingles on your roof, the paver with some leftover asphalt who can give you a great deal on driveway resealing. Itinerant contractors move around, keeping a step ahead of the law…and angry consumers. The worst are those who move in after a natural disaster, taking advantage of desperate homeowners who need immediate help and may not be as suspicious as they would be under normal circumstances. A large percentage of BBB’s Accredited Businesses are home contractors who want to make sure you know they are legitimate, trustworthy and dependable. Find one at www.bbb.org/search.

Top Check Cashing Scam

Two legitimate companies – Craig’s List and Western Union – are used for an inordinate amount of scamming these days, and especially check cashing scams. Here’s how it works: Someone contacts you via a Craig’s List posting, maybe for a legitimate reason like buying your old couch or perhaps through a scam like hiring you as a secret shopper. Either way, they send you a check for more than the amount they owe you, and they ask you to deposit it into your bank account and then send them the difference via Western Union. A deposited check takes a couple of days to clear, whereas wired money is gone instantly. When the original check bounces, you are out whatever money you wired…and you’re still stuck with the old couch.

Top Phishing Scam

“Phishing” is when you receive a suspicious phone call asking for personal information or an email that puts a virus on your computer to hunt for your data. It’s almost impossible to avoid them if you have a telephone or an email account. But the most pernicious phishing scam this year disguised itself as official communication from NACHA – the National Automated Clearing House Association – which facilitates the secure transfer of billions of electronic transactions every year. The email claims one of your transactions did not go through, and it hopes you react quickly and click on the link before thinking it through. It may take you to a fake banking site “verify” you account information, or it may download malware to infiltrate your computer.

Top Identity Theft Scam

There are a million ways to steal someone’s identity. This one has gotten so prevalent that many hotels are posting warnings in their lobby. Here’s how it works: You get a call in your hotel room in the middle of the night. It’s the front desk clerk, very apologetic, saying their computer has crashed and they need to get your credit card number again, or they must have gotten the number wrong because the transaction won’t go through, and could you please read the number back so they can fix the problem? Scammers are counting on you being too sleepy to catch on that the call isn’t from the hotel at all, but from someone outside who knows the direct-dial numbers for the guest rooms. By the time morning rolls around and you are clear-headed, your credit card has been on a major shopping spree.

Top Financial Scam

In challenging economic times, many people are looking for help getting out of debt or hanging on to their home, and almost as many scammers appear to take advantage of desperate situations. Because the federal government announced or expanded several mortgage relief programs this year, all kinds of sound-alike websites have popped up to try to fool consumers into parting with their money. Some sound like a government agency, or even part of BBB or other nonprofit consumer organization. Most ask for an upfront fee to help you deal with your mortgage company or the government (services you could easily do yourself for free), and almost all leave you in more debt than when you started.

Top Sales Scam

Sales scams are as old as humanity, but the Internet has introduced a whole new way to rip people off. Penny auctions are very popular because it seems like you can get something useful - cameras, computers, etc. – for way below retail. But you pay a small fee for each bid (usually 50₵ to $1.00) and if you aren’t the winner, you lose that bid money. Winners often are not even the top bidder, just the last bidder when time runs out. Although not all penny auction sites are scams, some are being investigated as online gambling. BBB recommends you treat them the same way you would legal gambling in a casino – know exactly how the bidding works, set a limit for yourself, and be prepared to walk away before you go over that limit.

Scam of the Year

Yep, it’s us – the BBB phishing scam(BBB is the victim). Hundreds of thousands, perhaps millions, of people have gotten emails that very much look like an official notice from BBB. The subject line says something like “Complaint Against Your Business,” and the instructions tell the recipient to either click on a link or open an attachment to get the details. If the recipient does either, a malicious virus is launched on their computer…a virus that can steal banking information, passwords and other critical pieces of information needed for cyber-theft. BBB is working with security consultants and federal law enforcement to track down the source of these emails, and has already shut down dozens of hijacked websites. Anyone who has opened an attachment or clicked on a link should run a complete system scan using reputable anti-virus software. If your computer is networked with others, all machines on the network should be scanned, as well.

For more information on these and other scams, go to BBB Scam Source (www.bbb.org/scam). Sign up for our Scam Alerts and learn about new scams as soon as we do.

BBB Welcomes December Accredited Businesses

12/27/2011

Posted on 12/27/2011 by

21stCentury Electric
(513) 200-0202

AccountingPlus, LLC
(859) 635-3524

AmericanHeating & Air Conditioning Co.
(513) 471-2115

AmericanTruck Beautification, Inc.
(513) 367-6889

AndersonChiropractic & Massage
(513) 752-5390

AnthonyCastelli Attorney
(513) 621-2345

ArcaroPlumbing & Remodeling
(513) 923-9282

Asylum
(859) 431-7546

BackIn Time Stove Shop
(937) 579-5192

BiehlBrothers Contracting, LLC
(513) 252-6000

BizzSpot
(866) 446-1790

BlueAsh Dental Group
(513) 891-8555

CapstoneServices, LLC
(513) 847-1186

CaterChemicals
(513) 271-7627

CincinnatiMold Pros, LLC
(513) 835-9195

CincinnatiNatural Foods
(513) 271-7777

CleanAir Plus, LLC
(513) 874-6653

Contec
(859) 360-1248

CSEarth Innovations, Inc.
(859) 512-9383

D.Davis Construction
(513) 726-1464

Dr.Robert Petrtyl DDS
(513) 554-4657

DrainOpeners
(937) 314-1673

EagleBookkeeping & Tax Service, LLC
(859) 282-8315

Fegan'sConstruction
(937) 544-2583

FirstChoice Awnings & Signs
(513) 623-8724

FreshCoat Franchising Systems
(513) 587-4974

FullThrottle Indoor Karting, LLC
(513) 341-5278

Gilson'sEngraving
(513) 891-0730

Glazed
(513) 919-7253

HanserPublications, LLC
(513) 527-8977

HarrisonEnterprises, LLC
(513) 494-2244

HomeHelpers
(513) 754-1182

InnovativeHome Improvements
(513) 899-7309

Jack'sCarpet Cleaning & Upholstery
(812) 926-8076

JasperContractors, Inc.
(513) 860-9280

JaybeeCreative, LLC
(513) 404-1260

JMConcrete & Excavating
(513) 335-4389

KentuckyReal Estate College, Inc.
(859) 525-0303

KeyFastLocksmiths, Inc.
(513) 528-7110

LyonsPainting, LLC
(513) 737-3809

Milesof Green Lawn Care, LLC
(513) 460-1653

MJElectric Co.
(859) 743-1928

MJMStudios, Inc.
(859) 282-6116

Nature'sTouch, Inc.
(859) 746-0400

NewLook Painting & Maintenance LLC
(859) 534-0636

Nightingale'sHome Health Agency, LLC
(513) 278-3270

Noonan,Brockman & Pollock D.D.S., Inc.
(513) 423-9239

OurConstruction Solutions, LLC
(513) 242-5005

Paintby the Glass LLC
(513) 874-1101

PaintPlus
(513) 602-1442

QualityFoundation Waterproofing
(513) 360-0947

Ramsey'sRemodeling & Construction
(513) 282-6969

Renewalby Andersen
(513) 771-9888

Research.FM
(513) 631-4266

RoseBrothers & Sons Inc.
(859) 746-9440

SchalkDrywall LTD
(513) 738-4252

Shep'sGeneral Contracting
(513) 519-8165

SMBHome Improvements
(513) 218-1227

StonesLawn Care
(513) 571-4903

Susanna'sGuest House
(513) 553-7262

Swatches,Inc.
(513) 683-5400

Tate'sUsed Cars
(740) 947-2567

TCRenovations, LLC
(513) 200-3667

TheDarkroom
(513) 829-3178

TriState Pest Management, LTD
(513) 965-8222

TroyWhitt Enterprises, LLC
(740) 947-3388

ValleyHei Farm
(513) 398-2356

WindowGenie
(513) 241-8443

BBB Warns Homeowners: Changes to Mortgage Rules Bring Out Scams

12/7/2011

Posted on 12/7/2011 by

Arlington, VA – Starting today, some homeowners who are “under water” with their mortgages can refinance under the Home Affordable Refinance Program (HARP), but the Better Business Bureau is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications.

“Whenever there is a new or updated government program that may be a bit confusing, scammers come out of the woodwork to take advantage of that confusion,” said Jocile Ehrlich, BBB President. “There are already hundreds of websites claiming to be able to help homeowners through the HARP process, but many of them are rip-offs and scams.”

BBB is warning all homeowners who are thinking of applying for a HARP refinance to:

Deal directly with your lender first, and never make payments to anyone other than your lender.
Don’t pay upfront fees to anyone who promises to provide counseling, takes care of the paperwork for you, or stops the foreclosure process.
Be wary of anyone who tells you not to contact your lender, a lawyer or a credit counselor, or who asks for payment by cashier’s check or wire transfer.
Never sign over your deed to anyone, or allow yourself to be pressured into signing something you don’t understand.
Be especially careful of look-alike and sound-alike websites.
Find out if you qualify here or by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) to speak to a HUD-approved housing counselor for free (assistance is available in English and Spanish, and in other languages by appointment).
Report scams to BBB at www.bbb.org/us/scam-source.

The changes to the HARP program were announced by President Obama in October to allow homeowners to refinance at lower interest rates, even if their home is currently worth less than their mortgage. The new HARP rules apply to homeowners who are current on their payments and whose loans are backed by either FannieMae or FreddieMac. Some lenders will begin accepting applications as early as today, although many will take a few weeks or even a few months to roll out the program. More than one million borrowers are expected to apply for the program, according to the Federal Housing Finance Agency, which oversees the two major mortgage lending programs.

Check out businesses and charities before you buy, donate or invest at www.bbb.org. Additional mortgage and credit-related tips are available at www.bbb.org/us/clearpoint-tips.

If you have credit problems, find a credit counseling agency in your area by calling 800-388-2227 (en Espanol 800-682-9832).

Save on Heating Costs with Seven Ways to Winterize Your Home

12/7/2011

Posted on 12/7/2011 by

With a tough economy looming like the Grinch over this year’s holiday season, many people are looking for ways to save money through energy efficiency. Better Business Bureau is offering a checklist for homeowners to safely prepare their homes for the cold winter months, and perhaps save a few dollars in the process.

According to the Energy Information Administration, home heating costs this winter are expected to rise by 10.2 percent for homeowners who rely on heating oil. Luckily, homeowners can fend off some of the rising energy costs by winterizing their home before the harshest weather takes hold.

“With the unpredictability of Mother Nature, now is the time to prepare for the winter months ahead,” said Jocile Ehrlich, BBB President. “Taking the time to winterize your home gives you the peace of mind that you will not only save money, but be energy efficient as well.”

The following is a BBB home winterizing checklist for consumers to consult when preparing for the cold months ahead:

Furnace. Furnaces older than 15 years might be due for a replacement. For newer furnaces, BBB recommends making sure the furnace filter is clean, the thermostat is working properly and the pilot light is functioning. Homeowners can also hire an inspector to do the job and make sure the furnace is in safe working order.

Chimney. Before lighting up the fireplace, homeowners should have the chimney inspected for animals, debris and leaves that may have fallen in. BBB also recommends installing a screen over the chimney opening.

Gutters and ridge vents. Gutters should be cleaned to prevent any clogs that would cause rainwater to back up and freeze, making the gutters expand and crack. The ridge vents need to be cleaned as well in order to allow the house to "breath" correctly. Otherwise, air will stagnate and create an unhealthy environment.

Smoke alarm and carbon monoxide detectors. BBB recommends testing smoke alarms and carbon monoxide detectors and installing fresh batteries. Homeowners should consider replacing smoke alarms older than 10 years.

Caulking and Weather Stripping. To prevent leaks, homeowners should inspect the caulking around windows and doors and check for cracking and peeling. In addition, BBB recommends ensuring that doors and windows shut tightly and no cold air is coming in due to worn weather stripping.

Seasonal equipment. Homeowners won’t need their spring and summer equipment for a few months, so BBB recommends draining the water from garden hoses and air conditioner pipes, and the gasoline from the lawnmower and other garden tools. It’s also time to pull out the snow shovels and plows and ensure they are in good repair.

Emergency kit. When a winter storm strikes, an emergency kit should have all essential materials in one handy place. An emergency kit should include flashlights, candles and matches, a first aid kit, bottled water, non-perishable food and a battery-powered radio. BBB recommends creating the same emergency kit for the car as well, including a couple blankets.

For more consumer tips this holiday season, visit www.bbb.org.

BBB Business Advice for Tackling Holiday Gift Returns

12/7/2011

Posted on 12/7/2011 by

While most retailers love the holidays and the increased sales of the last quarter of each year, no one looks forward to the dreaded post-holiday gift returns. BBB is advising businesses to make sure that their return policies are simple and solid before tackling customer gift returns this holiday season.

Most consumers are happy with return policies. According to the National Retail Federation’s, 2010 Holiday Returns Survey, nearly nine out of 10 Americans (88.4 percent) say they find stores’ return policies to be fair.

It’s important for retailers to keep their customers in mind when it comes to their return policy. “While it’s important that your return policy doesn’t hurt your business, it’s critical that it doesn’t completely discourage and penalize the customer,” said Jocile Ehrlich, BBB President.”

BBB recommends that businesses consider the following when creating, solidifying or simplifying their return policy:

Make sure the customer is aware of your policy. Display you policies at the checkout counter and on your website.

Provide gift receipts. Six out of ten shoppers say they include a gift receipt when giving a gift, so be sure to offer one at the time of purchase.

Encourage customers to return the merchandise unused, unworn or unwrapped. Everyone likes getting merchandise in its original package and by encouraging customers to return goods this way, you better your chances that the product can be resold.

Make online returns easy. Lay out the return rules clearly. Explain who pays for the return shipping, where the customer sends the return, and any forms or mailing labels you want them to use.

Stay calm and helpful. The holidays can be a stressful time for everyone and making returns is usually not high on the customer’s list of fun things to do. When working with a customer, always go into a return with a smile. If their experience is good, you may win over a new customer.

For more helpful tips, visit www.bbb.org.

BBB Welcomes November Accredited Businesses

11/30/2011

Posted on 11/30/2011 by

A& W Roofing & Siding, Inc.

(513) 460-4648

ACSCorporation

(513) 542-1000

AdvancedConstruction Services

(859) 384-7500

AIMConstruction, LLC

(513) 349-0039

Airtron,LP

(937) 258-2171

AmeliaEast Family Dentistry, Inc.

(513) 734-6614

American Verified Home Inspections
(513) 871-7800

AquaPureTechnologies of Cincinnati

(513) 881-5520

BadaBing Resume

(513) 223-3532

BJ'sPampered Paws

(812) 537-0238

BlaQueThai Entertainment, LLC

(513) 418-8666

BondInsurance Agency

(937) 987-2375

CanMan Ltd

(513) 351-2997

CarlShafer Towing LLC

(937) 378-5000

ChurchWrightConstruction Inc.

(513) 910-7947

CincinnatiFlooring Company

(513) 373-8540

CincinnatiPropane, Inc.

(513) 271-1880

CincinnatiTeam Apparel LLC

(513) 204-1583

Cincinnati/HamiltonCounty Continuum of Care for the Homeless

(513) 263-2780

CinderellaAffairs

(513) 752-9631

CitywideContainers & Demolition LLC

(513) 615-2341

Claimlinx,LLC

(513) 677-6262

ColwellHome Improvements

(513) 324-8981

CommercialDoor & Hardware, LLC

(513) 326-2330

CompleteBuilding Maintenance, LLC

(513) 235-7511

CustomElectronic Designs

(513) 631-4425

Dano'sClermont Cab, LTD

(513) 797-4411

DBSTile & Marble

(513) 922-2653

DennisHome Improvement

(513) 520-3104

(888) 223-3858

(513) 779-0343

(513) 662-7300

(937) 378-3215

(513) 276-0465

(513) 652-6434

(513) 451-4800

HomanConcrete & Contracting Services, LLC

(513) 253-7821

Horsley& Sons Home Improvement
(513) 631-9237

InternationalCollection Bureau, Inc.

(513) 753-9999

IsonExcavating & Contracting, LLC

(740) 352-1585

JamesSnader Shingle Roofing Company

(513) 200-4604

JayronFabrication, LLC

(740) 335-3184

JeffersonRoofing

(513) 659-9021

Jim'sFarm Equipment, Inc.

(740) 446-9777

JoeBee's Construction

(740) 256-1955

JohnsonBuilders

(513) 218-7265

Johnson'sMobile Homes, Inc.

(740) 446-3547

JustAdd Embroidery, LLC

(513) 561-1916

K& R Lawn & Landscape

(513) 405-1263

KaiserContractors LLC

(513) 353-6621

KarenAyres, LMT

(513) 932-9933

LebanonArea Network Solutions LLC

(513) 932-7102

LibertyDryclean $3.99

(513) 779-6500

LisaRose Alterations

(513) 662-7673

LoadWeight Management, LLC

(937) 302-8370

Losekamp'sParadise of Homes

(513) 732-1219

MadScience of Cincinnati

(513) 793-6784

MaggardMemorials & Laser Art Technology, L.L.C.

(513) 282-6969

MiddleC Contracting, LLC

(513) 485-0272

Mike'sGarage

(513) 422-6600

MillcraftDrywall, Inc.

(513) 523-8886

MLRiechers Systems Engineering

(513) 844-2220

(513) 532-8988

(513) 679-0788

(859) 547-9063

(513) 451-4386

PatrickJ Brunner D.C. LLC

(513) 922-0606

Pomegranate& Lime, LLC
(513) 271-1012

Precision-AirHeating & A/C
(859) 493-0250

R& P Painting & Remodeling
(513) 266-4242

Rafalske& Layne, LLP
(513) 861-1686

RealTime Control Systems, Inc.
(513) 429-3155

RemarkableConstruction LLC
(513) 223-6275

REPSResource, LLC
(513) 874-0500

Ritter& Randolph Attorneys at Law
(513) 381-5700

RobertL. White & Associates Inc.
(513) 943-1040

SanctuaryDermaSpa
(513) 842-5868

Sarelli'sCafe & Catering
(513) 377-3663

SchindlerHardwood, Inc.
(513) 708-6897

SinclairPhotography
(812) 537-1198

SkilledStaffing Solutions, LLC
(513) 745-9620

SleeperAutosport, Inc.
(513) 825-3947

Smilesby Design LLC
(513) 697-7888

SmithFamily and Sports Chiropractic, P.L.L.C.
(859) 525-7377

SonitrolSystems of Butler County, Inc.
(513) 868-1777

SpartekTree Service
(513) 625-3288

SRSBookkeeping LLC
(513) 681-8778

StaleyTrans4mations, LLC
(513) 400-4968

StephenG. Schott, CPA, Inc.
(513) 922-4888

StokesCertified Medical Billing, LLC
(812) 537-4177

SuperiorRenovations
(812) 926-0160

SuperiorWalls of the Tri-State, LLC
(513) 228-3480

TheBasement Guys
(513) 433-2293

TheCinci Handyman
(513) 545-2978

TheNew Start Enterprises, LTD
(513) 615-2341

TheWiseman Agency, Inc.
(740) 446-3643

Town& Country West Union, Inc.
(937) 544-2913

TransformedInterior Design
(313) 403-2120

Vanderwistof Cincinnati, Inc.
(513) 398-9533

BBB is Victim of a Phishing Scam

11/23/2011

Posted on 11/23/2011 by

Attention Accredited Businesses, non Accredited Businesses, Charities and Consumers:

BBB is NOT sending this Email!

If you are receiving this email, do nothing! This is a scam. Please see below:

From: alert@bbb.org [ mailto:alert@bbb.org ]
Sent: Wednesday, November 23, 2011 6:26 AM To: Betty Graham
Subject: Complaint # 22101311
Importance: High

The Better Business Bureau has received the above-referenced complaint from one of your customers regarding their dealings with you.
The details of the consumer's concern are included on the reverse.
Please review this matter and advise us of your position.
As a neutral third party, the Better Business Bureau can help to resolve the matter. Often complaints are a result of misunderstandings a company wants to know about and correct.
We encourage you to use our ONLINE COMPLAINT system to respond this complaint.

The following URL (website address) below will take you directly to this complaint and you will be able to enter your response directly on our website:

http://www.bbb.org

###

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org . Follow us on Twitter and Find us on Facebook .

Cyber-Monday: Great Deals to Be Had, But Watch Out for Scams

11/22/2011

Posted on 11/22/2011 by
Cyber Monday, the Monday after Thanksgiving, has officially replaced Black Friday as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens up the buyer to attacks from scammers and hackers.

Every year, more people head online rather than to the mall to get their holiday shopping done. According to a preliminary shopping survey, conducted for the National Retail Federation by BIGresearch, up to 152 million people plan to shop Black Friday weekend (Friday, Saturday and Sunday), higher than the 138 million people who planned to do so last year. According to the survey, 74 million people say they will definitely hit the stores and another 77 million are waiting to see if the bargains are worth braving the cold and the crowds.

“You can’t beat shopping online for convenience, comfort and comparing prices,” said Jocile Ehrlich, BBB President “But don’t let your guard down. Take the necessary precautions to avoid fraudulent websites, scammers and other Grinches who would just love to ruin your holidays.”

BBB recommends the following top 10 tips for shopping online this holiday season to help fight unscrupulous online retailers, scammers and hackers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

2. Shop on trustworthy websites – Shoppers should start at www.bbb.org to check on the seller’s reputation and record for customer satisfaction. It’s a good idea to look for the BBB logo and other widely-recognized seals on retailer websites, but make sure they are real (some rogue sites plagiarize seals to look legitimate).

3. Protect your personal information – BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, take that as a red flag that personal information may be sold to others without permission.

4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

5. Beware of phishing – Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an e-mail, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law, you can dispute the charges if you don’t receive the item. Your also have dispute rights if there are unauthorized charges on your credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. If you are going to shop on classifieds web sites like Craigslist, never wire money and only buy locally where you can see the item before you hand over your money.

8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail – BBB recommends saving a copy of the web page and any e-mails for future reference and as a record of the purchase.

9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by looking at statements online regularly.

10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/.

BBB Issues Warning About Veterans’ Day Scams

11/10/2011

Posted on 11/10/2011 by

Arlington, VA – Some of the most cynical scams target service members, their families and veterans, warns the Better Business Bureau. Veterans’ Day is a key opportunity for scammers who would target those who are serving or have served their nation, especially elderly vets.

“It is unconscionable that one of the most dedicated and selfless segments of our population would be targeted by unscrupulous businesses, but they are,” said Brenda Linnington, director of BBB Military Line. “At BBB, we believe our military consumers deserve the level of respect and support commensurate with the effort they make every day on behalf of the rest of us – and we’ll do our utmost on their behalf by promoting a safe and ethical marketplace for all military consumers.” BBB Military Line provides free financial literacy and consumer protection services to the military community, as well as information on the latest scams, schemes, and ID theft tactics that threaten them.

Among the scams to watch out for:

Posing as the Veterans Administration and contacting vets to say they need to update their credit card, bank or other financial records with the VA;
Charging veterans for services they could get for free or less expensively elsewhere, such as military records;
Fraudulent investment schemes that convince veterans to transfer their assets into an irrevocable trust;
Offering “instant approval” military loans (“no credit check,” “all ranks approved”) that can have high interest rates and hidden fees;
Advertising housing online with military discounts and incentives, and then bilking service personnel out of the security deposit;
Trying to sell things like security systems to spouses of deployed military personnel by saying the service member ordered it to protect his or her family;
Selling stolen vehicles at low prices by claiming to be soldiers who need to sell fast because they’ve been deployed;
Posing as government contractors recruiting veterans and then asking for a copy of the job applicants’ passport (which contains a lot of personal information);
Posing on online dating services as a lonely service member in a remote part of Iraq or Afghanistan, and then asking for money to be wired to a third party for some emergency.

Another caution is to watch out for questionable charity appeals that raise funds on behalf of military organizations. “Telephone solicitors will call and say they are with a group that is helping veterans, service members or their families,” says Art Taylor, president and CEO of the BBB Wise Giving Alliance. “As with all charity appeals, before you donate, check out the organization with the BBB to verify that the charity meets BBB charity standards.”

BBB advises service members, veterans and all consumers never to give personal identification information (Social Security, bank account, military identification or credit card numbers, etc.) to anyone who contacts you by phone or e-mail, and to be wary of any solicitations that involve purchasing something or transferring money. Consumers can check out businesses and charities for free at www.bbb.org. Military personnel and veterans who need assistance should contact the United Service Organizations (www.uso.org), their state office of veterans’ affairs, or the Veterans’ Administration.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB.

For more information, please contact Katherine Hutt at 703-247-9345 or khutt@council.bbb.org.

BBB Welcomes October Accredited Businesses

11/2/2011

Posted on 11/2/2011 by

ABetter Water System Inc.

(513) 423-4338

A.M.Heister Associates

(513) 741-3244

ABCHome Providers Childcare

(513) 550-5738

ABCSupply Company, Inc.

(513) 542-1222

ActionCombat Sports LLC

(513) 325-8825

AllAmerican Roofing

(859) 817-9010

AllAround Home Improvement

(513) 703-1034

AllSeason Chem Dry

(859) 356-3800

AltonHealthcare

(513) 530-0340

AndersonDance Academy

(513) 474-7837

CampBow Wow Cincinnati

(513) 745-9850

CincyYard Builders, LLC

(513) 383-9965

(513) 829-6087

(513) 843-7632

(513) 791-1966

(740) 894-2003

(513) 335-5946

EspelCustom Contracting

(513) 312-1281

Fowler,Demos & Stueve

(513) 932-7444

GraduateServices, Inc.

(513) 272-5890

GraniteAmerica Ohio LLC

(513) 655-7077

GreenergyProfessional Services LTD Co.

(859) 652-4817

GregoryS. Young Co., LPA

(513) 721-1077

Hadalgo,LLC

(513) 256-9295

HomeHighlights

(513) 484-1798

HyattPlace Cincinnati-Northeast

(513) 754-0003

JAFRoofing, LLC

(513) 289-0755

JimDavis Consulting, LLC

(513) 543-7232

JKrete,LLC

(513) 204-5685

JPMobile Mechanic Service, LLC

(859) 816-2178

M.Harvey Construction

(513) 305-2492

MajorLLC

(614) 843-0295

MilfordWinnelson Supply Co.

(513) 576-1888

MoorePlumbing, Inc

(513) 253-1017

MuddyCreek Pediatrics, LLC

(513) 398-3900

NetherlyLandscaping & Construction LLC

(513) 342-1910

NextGeneration Insulation, LLC

(859) 795-4425

P& D Environmental Services, Inc.

(513) 984-1154

PastrimasPainting

(513) 481-7127

Pearl'sUltimate Homecare Services, LLC

(513) 541-0384

QualityMarket & Wireless

(513) 591-0080

Riffle& Associates

(513) 771-0002

RitterPainting Co.

(513) 678-7975

RiversideConstruction Services, Inc.

(513) 723-0900

RobertM. Brown Construction, LLC

(513) 896-6294

RonPitman Realtors

(513) 870-9966

Roofto Curb Cleaning Pros

(513) 542-7767

Rut'sDetail & Mechanical

(812) 689-4341

RWBProperties & Construction, LLC

(513) 541-0900

Schaeffer'sInvestment Research, Inc.

(800) 448-2080

SchnellerPlumbing Heating & Air, Inc.

(513) 753-3100

SensibleGreen

(513) 228-1951

SensibleHome Products LLC

(513) 696-6868

ServiceFirst Logistics Inc.

(859) 344-5100

ServProof South East Cincinnati and Campbell County

(859) 781-9550

SGTI

(513) 753-3323

ShaneWatson Surface Solutions

(859) 816-2500

SingingEagle

(812) 432-5656

T-SquareRemodeling & Restoration, Inc.

(513) 678-1747

TheNext Right Thing

(513) 727-1438

TristateBiomedical Solutions, LLC

(859) 802-8255

VioxExcavating

(513) 932-8900

How to Select a Merchant Processing Service for Your Business

11/2/2011

Posted on 11/2/2011 by

Whether you’re looking to make a switch or picking one for the first time, choosing a merchant processor is a very important decision and can be vital to the overall success of your business. Better Business Bureau is advising business owners to do their homework before selecting a merchant processor.

One of the most important ways to make your business thrive is to please your customers and, many times, that means offering a variety of payment methods. According to one estimate, businesses forfeit up to 80 percent of consumer impulse buys if they don't accept credit cards. But, before making the switch, or picking one for the first time, business owners need to select their merchant processing service with care. To date, in 2011, BBB has received more than 1,700 complaints against credit card merchant and processing services.

“Accepting credit cards gives customers options, whether it’s to charge a purchase and pay it off over time, or to use a debit card rather than write a check. By offering your customer options, you are opening the doors for increased revenue,” said Jocile Ehrlich, BBB President. “However, before selecting your merchant processing service, it’s imperative that you do your research to avoid putting your business and its success at risk.”

BBB recommends the following tips to consider when selecting a merchant processing service:

Ask around. Like with any important business decision, always make sure to get at least three estimates and check the BBB Business Review® of the merchant processing service. It may also be worth asking other fellow business leaders what service they use to get a feel for its track record.

Know where to turn. Make sure the merchant processing service has a solid support team. Can you contact them 24 hours a day? This is very important to business owners who are trying to process a card outside of the typical business hours. In any case, technical support is a must and it’s vital to your business’ success to make sure that the merchant processing service you choose has it.

Try them out. Don’t settle without a trial period. By making sure that the merchant processing service you choose has a 100 percent money-back guarantee before selecting them, you can save yourself a lifetime of hassle. See how the service tries out. Do they keep every promise that they made to you?

Make sure every penny you spend is necessary. If you have a question regarding a fee that you were charged, ask! Staying competitive with other merchant services is the name of the game for theses processors so they will want to keep you happy.

For more business information you can trust, visit www.bbb.org/us/bbb-news.

Latest Sweepstakes Scam Pretends It’s BBB Calling

11/2/2011

Posted on 11/2/2011 by

Better Business Bureau is cautioning businesses and consumers about a website and phone calls that are purporting to be from BBB about sweepstakes’ winnings. This is a scam – BBB is not conducting a sweepstake.

A complaint filed by a Virginia consumer with BBB Richmond first identified the scam. The calls appear to come from a fake BBB employee claiming that the customer has won $2.5 million and a Mercedes Benz. The representative directs customers to http://www.better-businessbureau.org/, which contains misinformation and fraudulent claims. BBB is urging consumers not to visit this site. The official BBB website is www.bbb.org.

Should you receive such a call, please disregard its message, and report any information received to BBB’s Scam Portal. BBB lawyers are working to find out who is behind this and will take all appropriate action to protect its trademark.

How You Give is Just as Important as What You Give

11/2/2011

Posted on 11/2/2011 by
Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Giving USA Foundation, total estimated charitable giving in the United States rose 3.8 percent in 2010 (2.1 percent adjusted for inflation). The increase reflects the continued determination of every American to support charitable organizations even during challenging economic times.

“With a tight budget this holiday season, it will be important for donors to be creative when giving back and supporting those who are less fortunate,” said H. Art Taylor, president and CEO of the BBB Wise Giving Alliance. “When looking to make a contribution, it’s important to take the time to do your research. How you give is just as important as what you give.”

BBB Wise Giving Alliance offers the following five common ways that people donate to charities over the holidays and a few things to consider:

Give items. Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop. Many charities have had great success partnering with businesses that agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt (also called embedded giving). See if the embedded promotion states which specific charity will receive the collected funds.

Give online. Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review, look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging. The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take 60 – 90 days to reach the charity since the funds are forwarded after you pay the donation charge on your next monthly cell phone bill. During disaster giving periods like Haiti, however, cell phone carriers work to forward funds faster. Of course, charities welcome donations at any time during the year.

Give your time. In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.

The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.

To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

Check Privacy Policy on "Dear Santa" Websites

11/1/2011

Posted on 11/1/2011 by

More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to email St. Nick. Sadly, some of the websites aren’t always so trustworthy and can potentially be a dangerous way to share personal information. Better Business Bureau is advising parents to do their homework before letting their child write to Santa this holiday season.

Writing to Santa has been a long lasting tradition, and while it seems innocent and fun, it is very important for adults to carefully review the site to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

According to the Children’s Advertising Review Unit (CARU), all websites directed to children – or websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

It should also state whether the company shares information with third parties, including advertisers, and whether the company publically discloses the information or retains the information for any future purpose.

CARU offers the following ‘Dear Santa’ site review tips:

Check to see what they want you to hand over. Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses. In many cases, there really shouldn’t be a need to share this information. Especially since Santa already knows where all the children live.

Check websites for unwelcome content. Some sites are geared toward adults and may contain language or advertising adults may not want children to see.

Check the links. Since hyperlinks can allow children to move seamlessly from one site to another, investigate the hyperlinks to assure children don’t access inappropriate content.

For more information on website safety and children, please visit CARU at www.CARU.org and for more information you can trust, visit www.bbb.org.

BBB Urges Consumers to Support Small Business Saturday

11/1/2011

Posted on 11/1/2011 by

Arlington, VA - In honor of Small Business Saturday, a day dedicated to supporting small businesses on the busiest shopping weekend of the year, Better Business Bureau is spreading awareness and advising consumers to support the small businesses in their area.

As a joining member, BBB is teaming up with American Express OPEN to spread the word on why small businesses are so awesome. For the second year in a row, American Express OPEN has declared November 26th, the Saturday after Thanksgiving, to be Small Business Saturday. Sandwiched between black Friday and cyber Monday, Small Business Saturday is a perfect way to support the small businesses that you love.

“It’s great to have a day that’s completely dedicated to the success of our small businesses and it’s even better to think that the success of this day could lead to the growth and prosper of the small businesses in the days and years to follow,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “We’d like to encourage our consumers to take advantage of this day and show support to the small businesses in their community.”

In preparation for Small Business Saturday, FedEX will be giving away 40,000 $25 American Express gift cards to lucky consumers, which can be used to shop at small businesses on Saturday, November 26th. 30,000 will go to people who register at FedEx Facebook's page, beginning at noon CDT November 1st. FedEx will give the other 10,000 to customers.

American Express is also giving a $25 statement credit to American Express card members who spend $25 or more on Small Business Saturday at a qualifying small brick-and-mortar, independent merchant that accepts American Express. You must register to receive the credit. Registration is available in early November at www.facebook.com/smallbusinesssaturday. For small businesses, $100 in free Facebook ads will be awarded to the first 10,000 businesses that sign up at www.facebook.com/smallbusinesssaturday.

For more information on Small Business Saturday, visit http://smallbusinesssaturday.com and for more consumer information you can trust, visit www.bbb.org.

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Don’t Get Smoked Out of a Chimney Sweep Scam

11/1/2011

Posted on 11/1/2011 by

With the chilly weather fast approaching, many consumers are yearning for a toasty fire by the fireplace and looking to have their chimneys cleaned in preparation. However, Better Business Bureau is advising consumers to know which businesses to trust and which to avoid to prevent their hard earned dollars from going up in smoke.

To date this year, BBB has received more than 380 complaints against chimney cleaners, which is up from the 342 complaints received in all of 2010.

“Chimney sweeping is not something that homeowners deal with often, so we may lack knowledge of the cleaning process,” said Jocile Ehrlich, BBB President. “Many scammers take advantage of this and do shoddy work…or no work at all.”

In some cases, consumers have reported calls stating the town fire department recommends the resident’s chimney be cleaned. The calls go on to recommend a particular chimney sweep and endorse their services on behalf of the fire department. Though town fire departments do recommend having chimneys cleaned on an annual basis, they do not endorse any particular company or inspect chimneys. Many scam artists are targeting the elderly, making vague, unclear phone calls claiming they have done business in the past and it is time for their annual sweep.

Scam artists are also advertising at a much lower price than legitimate businesses. Typically, a professional chimney sweep will charge between $150 and $200 for the cleaning of one chimney shaft, whereas scam artists are charging as little as $50. BBB advises that if a price sounds too good to be true, it usually is.

Many scam artists use a low price tactic to get in your door, at which point they recommend additional work be done immediately, bullying the consumer into a much more expensive bill. If the price you are quoted is significantly lower than that of other businesses, it should be viewed as a red flag.

BBB suggests consumers do their homework before hiring a chimney sweep and inviting them into the home. Additionally, check with your local fire department and with the Chimney Safety Institute of America (csia.org).

BBB recommends using these helpful tips when hiring a chimney sweep:

Check out a chimney sweeping business at bbb.org. Always check with BBB for a trusted chimney sweeping business in your area. Are they an Accredited Business? Do they have any outstanding complaints?

Find out how long they have been in business. How long have they operated in your area? Find out if they offer current references, or if you know anyone who has used their services in the past.

Ask if they have a valid business liability insurance policy. In the event of an accident, this policy keeps your home and belongings safe.

Find out if any employees are certified through CSIA. Though this is not law, it is recommended by the fire department, and speaks to the qualifications of the individual or business you hire. CSIA is a national nonprofit agency with a certification program for chimney sweeps and certification is required of members of the National Chimney Sweeping Guild.

For more tips you can trust, visit bbb.org.

Better Business Bureau Recognizes

10/25/2011

Posted on 10/25/2011 by

Businesses and Nonprofit Organizations Recognized for Doing The Right Thing

Cincinnati, OH—October 27th -“Too often the news is about the scandals or problems with businesses and nonprofits,” BBB President Jocile Ehrlich said. “Our Torch Awards not only recognize good organizations, but lets our community know that good organizations that are committed to doing the right thing are the norm.” She added that our community has much to be proud of.

At a gala evening at Cincinnati's Duke Energy Convention Center, the Better Business Bureau celebrated the recipients and honorees of the BBB’s 2011 Torch Award for Marketplace Ethics. The Torch Awards for Marketplace Ethics is a program of The Center for Ethics at BBB.

“The Torch Award encompasses the spirit and tradition of the BBB unlike anything else,” BBB President Jocile Ehrlich said. “It recognizes and honors businesses and organizations who fully commit themselves to ethical practices in all aspects of their business dealings.”

2011 Torch Award Winners and Honorees Are:

Business Category

Recipients:

Abstract Displays

Cutter Construction, Inc

ProSource

Honorees:

CareStar, Inc.

Infintech, LLC

NextStep Networking

Nonprofit Category

Recipients:

National Multiple Sclerosis Society, Ohio Valley Chapter

One Way Farm of Fairfield, Inc

Honorees:

Assistance League of Greater Cincinnati

Cincinnati Youth Collaborative

People Working Cooperatively, Inc

BBB Advises Debit Card Users to be on the Lookout for New Fees

10/4/2011

Posted on 10/4/2011 by
Better Business Bureau is alerting consumers that they may be seeing new fees on their bank statement for using their debit card.

Recent changes in banking laws capped the “swipe fee” that banks can charge retailers for debit transactions. The average fee was 44 cents per transaction, but the new law caps the fee at 21 cents. Banks estimate they will lose hundreds of millions of dollars a year in debit card transaction fees and are looking to recoup that money from customers by modifying various checking account fees.

Some of the nation’s largest financial institutions already have announced a flat monthly fee of $3-$5 for debit card use, although some may go to a per-transaction fee, particularly for infrequent users.

BBB is advising consumers and business owners to be on the alert for notices from their financial institutions about changes in the terms of their accounts. “If you don’t understand a notice you receive or see a new fee on your account statement that you weren’t expecting, contact your financial institution and ask for an explanation,” said Jocile Ehrlich, BBB President. Account holders may want to ask their bank if there are programs to waive the fee for accounts with a minimum balance. It also pays to shop around; some financial institutions may keep no-fee debit cards.

For more consumer information you can trust, visit www.bbb.org/us/bbb-news.

BBB Joins National Effort to Highlight Child Identity Theft Protection and Education

10/4/2011

Posted on 10/4/2011 by

BBB Joins National Effort to Highlight Child Identity Theft Protection and Education

Arlington, VA – October 3, 2011 – Child identity theft is a growing crime that is causing damage to the pristine credit reports of children. Hundreds of online businesses are finding inactive Social Security numbers online – most of which are assigned to children under the age of 18 who have not started using them yet. These scammers are then selling the numbers under different names to help people establish fake credit. Protecting your child’s innocent, clean record is something that every parent needs to do.

Recognizing the need for a nationwide grassroots consumer education outreach, the Council of Better Business Bureaus (CBBB) is joining government agencies and national advocacy organizations in launching the 4th annual National Protect Your Identity Week (PYIW) October 16 – 22, 2011. This event coincides with CBBB’s Secure Your ID Day to be held on October 22, 2011. During PYIW, BBBs will conduct identity theft protection events in communities across the nation. At the local events consumers can take advantage of educational workshops and the shredding of documents, all free of charge and open to the public.

Identity theft touched the lives of more than 8.1 million adult victims in 2010. According to a report from Javelin Strategy and Research, the theft resulted in the loss of $37 billion dollars. On top of that, children may be 51 times more likely than adults to have their identity stolen, according to a study conducted by AllClear ID.

“We are all at risk for identity theft, but our children are particularly vulnerable,” said Council of Better Business Bureaus spokesperson Katherine Hutt, whose own son was a victim of identify theft his first semester in college. “It’s our role as parents to understand how to protect our children, and to teach them how to safely manage their personal information.” She noted that BBB plans to continue helping communities guard against identity theft with more products, services and programs in the future.

Consumers can find PYIW educational events in their area by going to the website at www.ProtectYourIDNow.org. The site also features an interactive quiz to help consumers assess their risk of identity theft, videos, blogs and identity theft prevention tips. The website is also available in Spanish at www.cuidesuidentidad.org.

PYIW is hosted by the National Foundation of Credit Counseling, the National Association of Triads, Inc. and the National Sheriff’s Association. Other national organizations that lend their support to this initiative include: American Bankers Association Education Foundation, AFSA Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition, Junior Achievement USA, National Crime Prevention Council, National Education Association Member Benefits, Office of the Comptroller of the Currency, and U.S. Social Security Administration.
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About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Guide to Gift Card Giving: BBB Advice for Purchasing Valuable Gift Cards

10/4/2011

Posted on 10/4/2011 by

With the holiday season right around the corner and the economy putting the squeeze on budgets, many shoppers are going to be looking for the best gift options this holiday season. For those looking to give gift cards to family and friends, BBB is recommending that you do your research before purchasing a gift card.

So far, in 2011, BBB has already received more than 440 complaints against the gift card industry, a huge increase from the 33 complaints received in 2010. In some cases, consumers are disgruntled when they are given an expired gift card with loaded cash that isn’t usable until the expiration date is corrected. After sending the expired card in for replacement, the consumer is left empty handed when the card fails to ever return to them.

“Consumers need to be on the lookout for gift cards that appear to be ‘open’ or out of their original package, and cards that state an expiration date that is coming up or that has passed,” said Jocile Ehrlich, BBB President. “Shoppers should be wary of online auction sites that promise ‘full value guaranteed’ gift cards. It’s sites like these that are prone to selling old, valueless cards that leave the gift giver and receiver distraught.”

BBB recommends the following tips for both givers and receivers of gift cards:

Know the rules. New federal rules that took effect in August of 2010 are designed to protect consumers, and will restrict fees and affect gift card expiration dates. These new rules apply to two types of cards: Retail gift cards, which can only be redeemed at the retailers and restaurants that sell them; and bank gift cards, which carry the logo of a payment card network like American Express, Visa, or Mastercard and can be used wherever the brand is accepted.

Check it out. Make sure you are buying from a known and trusted source. Always check out a business at www.bbb.org. Avoid online auction sites, because the cards sold there may be counterfeit or may have been obtained fraudulently.

Read the fine print before buying. Is there a fee to buy the card? Are there shipping and handling fees for cards bought by phone or online? Will any fees be deducted from the card after it is purchased?

Inspect the card before buying it. Verify that no protective stickers have been removed, and that the codes on the back of the card haven’t been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards.

Provide the receiver with back up. Give the recipient the original receipt in case the card is later lost or stolen. Also, before you buy retail gift cards, consider the financial condition of the retailer or restaurant. A card from a business that files for bankruptcy or goes out of business may be worthless. If the business closes a store near the recipient, it may be hard to find another location where the card can be used. A business that files for bankruptcy may honor its gift cards, or a competitor may accept the card. Call the business or its competitor to find out if they are redeeming the cards, or if they will do so at a later date.

Treat the gift card like cash. For receivers, it’s important to report lost or stolen cards to the issuer immediately. Some issuers will not replace cards that are lost or stolen, while other issuers will, for a fee. Make sure to use gift cards as soon as possible, because it’s not unusual to lose or forget about them.

For more consumer tips you can trust, visit www.bbb.org.

Layaway Now for Later: BBB Advice on the Layaway Process

10/4/2011

Posted on 10/4/2011 by

The current economy has left many shoppers on a budget and searching for more affordable methods of paying for big-ticket items and holiday gifts. This holiday season, many families will be turning to alternate forms of payment to make ends meet. With many stores offering layaway services, Better Business Bureau is offering advice on how to use this payment plan in lieu of credit cards.

Once considered a dated, old-fashioned method of payment, layaway services are back in a big way, with many businesses now shaking the dust off their layaway programs for today’s beleaguered consumers. Buying items on layaway is different from putting them on a credit card because the buyer isn’t charged interest on the purchase and can’t take the item home until it is paid off. When purchasing items on layaway, the buyer must typically make a down payment of 10 to 20 percent and pay any service or plan fees for the store to hold the item for them. The customer then has typically 30 to 90 days to make periodic payments to pay off the balance. Once it is paid off, the customer can take the items home.

“Layaway services can be a great alternative to the using a credit card,” said Jocile Ehrlich, BBB President. “However, it’s extremely important that customers take note of the fine print and know what to expect.”

As a complement to in-store layaway, some stores provide online layaway services for purchasing items through the retailer’s website. Additionally, third-party businesses have sprung up for the purpose of setting up layaway plans online between customers and retailers that don’t already have a layaway program. Customers make periodic payments to the third-party layaway service provider. Once the item is fully paid for, the business then buys the item from the retailer and ships it to the customer.

When buying items on layaway, BBB advises consumers to get everything in writing and offers the following checklist of questions to ask:

• How much time do I have to pay off the item?

• When are the payments due?

• How much do I have to put down?

• Are there any storage or service plan fees?

• What happens if I miss a payment? Are there penalties? Does the item return to inventory?

• Can I get a refund or store credit if I no longer want the item after making a few payments?

• What happens if the item goes on sale after I’ve put it on layaway?

• Does the retailer or third-party layaway service have a good BBB rating?

For more advice on how to be a savvy consumer this holiday season, visit www.bbb.org/us/bbb-news.

BBB Advises Business Owners to Secure Their Online Banking

10/4/2011

Posted on 10/4/2011 by

October is National Cyber Security Awareness Month and Better Business Bureau is advising business owners to protect their identity when using online banking.

Online banking is a great tool to help small businesses quickly and conveniently track financial information, as well as pay their bills and employees. However, data thieves are now targeting small business owners — and their employees — to get access to their online banking credentials and accounts so that they can make unauthorized money transfers. A small business can protect itself against increased liability on its financial transactions by using strong procedures to secure the credentials they use to access their bank accounts.

“In this day and age when practically everything is done on the Internet, it’s extremely important to take the necessary precautions,” said Jocile Ehrlich, BBB President. “Not only are your business’ financials at risk when you don’t secure your banking, but your employees records could be compromised, too.”

BBB recommends the following guidelines to help you protect the computers you use to access your bank accounts and your online access credentials.

Initiate a "dual control" payment process with your bank and employees. Ensure that all payments are initiated from your bank accounts only after the authorization of two employees. One employee will authorize the creation of the payment file and a second employee will be responsible for authorizing the release of the file. This process should be in place regardless of the type of payment being initiated-including checks, wire transfers, fund transfers, payroll files, ACH payments, etc.

Have dedicated workstations. Restrict the use of certain workstations and laptops to be utilized solely for online banking and payments, if possible. For example, a workstation or laptop used for online banking should not be used for web browsing or social networking.

Use robust authentication methods and vendors. Make sure your financial service providers allow for "multi-factor authentication." This means that you need more than just a username and password to access your account.

Update virus protection and security software. Ensure that all anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date for all computer workstations and laptops used for online banking and payments. Implement a process to periodically confirm they remain up-to-date. Security patches are often available via automatic updates.

Reconcile accounts daily. Monitor and reconcile accounts daily against expected credits and withdrawals. If you see any kind of unexpected activity on your account, notify your financial institution immediately.

For more tips on data security, visit www.bbb.org/data-security.

BBB Welcomes September Accredited Businesses

10/4/2011

Posted on 10/4/2011 by

ABetter Inspector

(859) 586-4945

ABrighter Look Painting, LLC

(513) 258-3295

ALive Mark, LLC

(513) 405-6970

A-PrestigeGutters & Windows

(513) 231-6300

AbleWindow Cleaning

(513) 761-1463

AbramsLandscaping

(513) 310-5340

AdvancedEnergy Solutions, Inc.

(513) 777-6688

AdvancedHome Services

(513) 313-2709

AdvancedOven Repair LLC

(513) 376-0124

AdventuresIn Learning, Inc.

(513) 398-5186

AlexanderTechnique Studio

(513) 542-2999

AlternativePainting Design

(513) 861-8876

AmericanConstruction

(513) 827-4039

AmeriSpecHome Inspection Services

(513) 625-4193

AmityTutoring & Testing Service

(513) 528-6725

Art'sRoofing & Remodeling, LLC

(937) 295-3179

AtmosphericProductions DJ and Lighting, LLC

(513) 546-1812

AuroraRecycling, LLC

(812) 926-8000

BickettMachine & Gas Supply, Inc.

(740) 353-5710

Bob Beach Electric

(513) 703-2156

Bob'sLawncare & Snow Removal

(513) 313-3792

BootCamp Digital LLC

(646) 450-2267

BrewsterConstruction, LLC

(513) 614-0360

C& L Auto Service

(859) 291-1212

C&SCarpet Care, LLC

(937) 780-7703

CincinnatiGrinding Technologies, Inc.

(513) 860-0900

Clean& Dry Emergency Services LLP

(513) 360-7481

CrispTrucking Company

(513) 376-5787

CrumleyLandscaping, LLC

(937) 783-4519

CullenBrothers, LLC

(513) 615-2267

DawsonHeating & Air Conditioning

(513) 281-3311

DetailsSalon & Spa

(859) 261-5355

Don'sImports, LLC

(937) 444-9364

DPCustom Upholstery

(859) 441-5492

EdMills & Associates, LLC(513) 478-3475

FaughtBuilding Restoration, LLC

(740) 384-6288

FeldhausHome Improvement Inc.

(513) 631-1222

FirstImpression and Beyond, LLC

(937) 789-1204

ForefrontMarketing Concepts, LLC

(513) 291-1577

FosterTechnology Group, LLC

(513) 265-6069

HappyTails K-9 Boarding & Training, LLC

(513) 543-3541

HealthManagement Nursing Services, Inc.

(740) 377-9095

HicksContractor

(513) 829-2419

HomeStar Energy Auditors, LLC

(513) 829-2057

Hydra-JectFoundation Repair & Waterproofing

(513) 615-5456

InnovativeImprovements

(513) 504-5001

Jerry'sCheesecakes, LLC

(513) 248-1935

JohnDouglas Painting

(513) 922-9252

JordanLee Studios, LLC

(513) 671-0120

JRCFlooring

(513) 489-5282

KathleenMezher & Associates LTD

(513) 474-3700

KlareTile & Marble

(859) 393-1590

LearningTree Academy LLC

(859) 635-8555

LovingArms Day Care Center, Inc.

(513) 641-1407

M& C Excavating & Septic Systems LLC

(513) 523-2262

M.C.Taxes, LLC

(513) 729-6459

Mahan'sExcavating & General Contracting

(513) 708-1461

MaherMedical Massage

(937) 840-9276

MassieElectrical Service

(740) 441-6707

McCormick'sCustom Meats, LLC

(740) 446-8318

MGMHome Improvement

(513) 379-6034

MiamiProducts

(513) 353-2929

MiamiValley Tree Care, LLC

(513) 933-9215

MichaelStaffing Services, LLC

(513) 889-2405

Mid-StateElectric

(937) 402-7352

MiloBuilders

(937) 987-0750

MissBridgette's Dance Studio & Theatre Company

(513) 317-1082

MultipleMachining, Inc.

(812) 432-5946

MyCellSignalBooster.com

(518) 898-3001

NewFinancial Concepts Inc.

(513) 247-6109

NorthgateChrysler Dodge Jeep Inc.

(513) 385-1616

OlmecReflections, Inc.

(513) 294-8841

PicardLaw Firm

(513) 529-9922

Plan-ItNow, Inc.

(513) 241-6500

PreferredContractors & Associates, LLC

(859) 250-6699

PremierPlumbing & Excavation, LLC

(513) 317-8567

ProActive Services, Inc.

(513) 353-4827

ProgressionsDance Studio, LLC

(859) 663-8456

ProsperousLawn Care, LLC

(513) 641-1505

QualityCare Nursing Service, Inc.

(740) 377-9095

QualityTree Service of South East Ohio, Inc.

(740) 947-8207

QuantitySolutions, LTD

(513) 886-1221

QueenCity Underground Tours

(859) 951-8560

RabbitLaser USA

(513) 217-5707

RGVContracting LLC

(513) 557-0405

RidgeStructures, LLC

(937) 544-4624

RiverviewBusiness Services

(513) 553-2141

RVConstruction Company

(513) 598-0929

RVs-R-US

(937) 375-1116

S.Cohn & Son of Ohio, Inc.

(513) 539-2646

SalvagniniAmerica, Inc.

(513) 874-8284

Sharrock& Associates

(859) 283-5755

SpecialTouch Flooring

(513) 284-6212

SuddenChange, LLC

(513) 742-1400

SudnikFlooring

(513) 283-1844

SunsetMemorial Gardens

(740) 574-2076

TaborPainting

(513) 235-2167

TheMartin Company of Cincinnati, LLC

(513) 575-0542

TheenerConstruction, LLC

(937) 393-6634

TotalCleaning

(513) 288-7671

TriscapeLandscaping, LLC

(513) 295-8607

TrueTones LLC

(937) 672-6434

UltimateHealth Care, Inc.

(740) 377-9095

UltimateSupport HomeCare

(513) 426-8039

UnionSprings Wellness

(859) 384-3600

VMSI

(513) 600-0999

YeahI Can Do That, LLC

(513) 607-5171

Attorney General DeWine Files Lawsuit Against Online Company as Ohio Cyber Safety Week Begins

10/3/2011

Posted on 10/3/2011 by

(COLUMBUS, Ohio)—Ohio Attorney General Mike DeWine today announced a lawsuit against online seller Egyptian Cotton Warehouse for multiple violations of Ohio consumer law. In 46 complaints filed within the Ohio Attorney General's Office and/or the Better Business Bureau, consumers said the Cincinnati-area based company, which sold home linens and bedding products, didn't deliver in one of two ways.

A copy of the complaint is available online at www.OhioAttorneyGeneral.gov/EgyptianCottonWarehouseComplaint.

"This business either failed to deliver the products consumers paid for, or it delivered lower quality goods," Attorney General DeWine said. "We are seeing more and more online scams, and as we push for tougher laws against cyber fraud, we will continue to pursue these Internet-based businesses that take advantage of consumers."

http://cl.publicaster.com/ClickThru.aspx?pubids=177%7c66502%7c13448%7c65814&digest=UQT3Y68Vz62OxwMT7GCrdw&sysid=1

In fact, cyber fraud was a $10 million problem for Ohioans last year, when 7,304 people in the state reported being victims of cyber fraud via Internet sales and phone scams.

October 3 - 7 is Ohio Cyber Safety Week. Not only do adults need to learn how to avoid being a victim of cyber crimes, young people also need to be reminded of the dangers of cyberbulling, sexting, and social media identity theft.

"In my commitment to protect Ohio families, I am concerned about all types of cyber crimes and abuse," said DeWine. "We are trying not only to go after scammers, but also to provide tools to educate Ohioans so they don't become victims."

As part of Ohio Cyber Safety Week, experts from the Ohio Attorney General's Office are conducting trainings for students, parents, and teachers across the state. In order to help provide tools young Ohioans can use, the Ohio Attorney General's Office is partnering with Yahoo. Anyone under the age of 18 who signs up for an email account will be directed to online safety resources with the Ohio Attorney General's Office. Access to those tips and guidelines can be found by going to www.OhioAttorneyGeneral.gov/CyberSafetyWeek.

Consumers who believe they have been treated unfairly should file a complaint with the Ohio Attorney General's Office at www.OhioAttorneyGeneral.gov or by calling 800-282-0515.

BBB Welcomes September Accredited Businesses

10/3/2011

Posted on 10/3/2011 by

AAbsolute Heating & Air

(513) 894-0749

AAAK9, LLC

(513) 349-3452

AlarmTech Security, LLC

(740) 355-7233

AllPoints Title & Closing, Inc.

(513) 863-7600

AmericanMedex Home Health Services, Inc.

(740) 259-3406

AmeriMed,Inc.

(513) 942-3670

AnimalRemover LLC

(513) 324-9453

AnixterInc.

(513) 942-2022

ArthurMurray Dance Studio

(513) 791-9100

AsphaltMaintenance

(513) 266-1746

BethelFloral Boutique

(513) 734-7007

BlackDawg Sealcoat of Greater Cincinnati and Northern KY

(513) 332-4246

Bob'sBody & Paint

(937) 444-2280

Bobren'sTiny Tots Co.

(513) 662-1133

Boone-KentonLumber & Building Supply Company

(859) 727-3700

BoykinConstruction, LLC

(513) 532-3446

BranchHill Lawn Care

(513) 286-8485

BrandnerConstruction & Remodeling

(513) 623-5792

BrownCounty Construction Company, Inc.

(937) 795-2740

BTSpence, Inc.

(859) 746-9622

BuckeyeRoofing and Restoration, LLC

(513) 504-2064

C& N Construction, Inc.

(859) 781-5857

Caparella-Kraemer& Associates LLC

(513) 942-7222

CincyPremier Outdoor Solutions LLC

(513) 582-3017

CompleteLand Care LLC

(513) 678-0735

D& E Equipment Co.

(937) 382-3501

Dave'sComputer Service and Repair

(937) 763-3642

DentMagic Ohio

(866) 755-3368

DesignerFlooring

(513) 377-2123

Don'sAuto Repair, Inc.

(513) 489-4011

DuckieXterior Solutions

(855) 776-3899

Dyer,Garofalo, Mann & Schultz

(937) 283-9300

eBlairSolutions, Inc.

(513) 685-4488

EconomizeLawncare

(859) 816-0956

EnvironmentsLandscaping

(513) 680-3000

EurostampaNorth America Inc.

(513) 821-2275

FamilyHome Care Services, LLC

(513) 771-1291

FlushawayDrain & Sewer Service LLC

(513) 752-3027

Focuson Independence LLC

(513) 772-4567

ForrestLytle Horticultural Services, LLC

(513) 874-1020

G& T Excavation, Inc.

(859) 689-2110

GorillaMike's Tree & Stump Removal

(513) 490-9628

GraberLaw Office, LLC

(513) 398-0269

GulliversMovers Ohio

(513) 351-0420

HoerstConstruction

(513) 948-1759

InverseTechnologies

(937) 470-7466

J& J Home Improvement

(513) 283-0770

Jordan'sAuto Sales & Service

(513) 761-2000

Julie'sJet Extraction

(513) 465-3114

Julie'sRubber Roof Technicians

(513) 465-3114

Kanta& Company

(513) 932-9880

KeyBlue Prints, Inc.

(513) 821-2111

LaneContractors, LLC

(513) 470-2736

Lawson'sCountry Store

(513) 553-7000

LBRRegulatory & Clinical Consulting Services, Inc.

(859) 426-5035

LisaC. Banks CPA Inc.

(513) 231-0724

MaplePark Auto

(513) 422-8296

MargaretL. Leonhard Psy.D.

(859) 992-2958

MeSalon by Cara

(513) 489-9283

MeyerTool, Inc.

(513) 853-4400

MGMarine Maintenance

(513) 485-9235

MichaelHarris Electronic Filing

(513) 772-5229

mrb.netSoftware & Services

(513) 910-2194

NovalsConstruction Group, Inc.

(513) 942-5063

OhioValley Plastering, Inc.

(740) 441-7295

OutdoorDesign Build, LLC

(513) 232-1220

ParadiseElectric Company

(937) 393-0099

ParkPlace Real Estate Management, Inc.

(513) 523-2015

PerryFinancial Services Co.

(513) 315-1718

PikeSanitation, Inc.

(740) 947-4200

PlaypenPalace

(513) 368-9518

PohlarConstruction

(513) 505-9654

PremierTri-State Roofing, Inc.

(513) 251-4400

PunchOut Plus

(513) 615-4810

Rasheed'sRoofing

(513) 348-5915

RidgeManagement Services, Inc.

(513) 631-5873

RJBrothers Heating & Cooling

(513) 868-9365

RobertEmbry Painting & Roofing

(513) 623-6609

RxIntegrative Solutions, Inc.

(513) 607-3495

Sam'sTaxes, Insurance and Financial Services, LLC

(513) 407-5563

SerketJewelry

(513) 544-8760

Shannon'sAll About Dance

(859) 331-4122

StanleySteemer Carpet Cleaner

(513) 755-6045

Stroud'sExcavation, LLC

(937) 608-8254

StrubleRemodeling & Lawncare LLC

(812) 290-8893

SuperfloSystems & Technologies

(513) 810-5590

SupremeTermite and Pest Control

(740) 354-6145

Terry'sMobile Glass, LLC

(740) 532-5274

TheHandyman Company LLC

(513) 587-9667

TMFCustom Carpentry

(513) 291-1094

TurnerMinor Auto Body

(513) 766-2120

UnitedElectric Company, Inc.

(513) 542-6002

WesternHills Builders Supply Company

(513) 574-6200

WilliamsTermite & Pest Control

(513) 422-7209

YardDesigns LLC

(859) 630-0988

DEWINE REMINDS FAMILIES TO WATCH OUT FOR GRANDPARENT PHONE SCAMS

9/8/2011

Posted on 9/8/2011 by

As Grandparents Day approaches, Ohio Attorney General Mike DeWine again warned grandparents and families to watch for the telephone “Grandparent Scam.” Scam artists call grandparents impersonating their grandchildren, claim to be in trouble, and ask them to send money immediately.

“These people seek to profit from the love family members have for each other,” said Attorney General DeWine. “It’s disgusting and can be very costly to grandparents trying to help. That’s why we keep getting the word out.”

In that effort, Attorney General DeWine held a news conference today at the Walmart in Hilliard. The guests included a citizen who experienced this scam, the chief of the Attorney General’s Office Consumer Protection Section and the section’s chief investigator, along with Walmart associates who recently thwarted a grandparent scam attempt.

Almost 100 Ohioans have filed complaints with the Ohio Attorney General’s Office about this scam. Those who lost money lost an average of $5,600 each. Some victims have reported losing from $11,000 to $18,000.

“As we continue to inform people about this danger, and with alert associates and company training such as Walmart provides, we will make strides in stopping these scams,” said Attorney General DeWine.

Earlier this year, two associates at the Walmart in Delaware, Ohio, helped customers who had gone to the money center to send funds to their grandchildren. The employees talked to the grandparents, explained the scam to them and saved them from losing large sums of money.

Suggestions for protection against this scam include:

Be suspicious if the “grandchild” asks you to keep the situation between you and the caller – “Please don’t tell mom or dad.”
Ask the caller questions only a family member would know how to answer.
Don’t post upcoming family travel plans online.
Never wire transfer money to someone who calls unexpectedly, even if the caller claims to be a relative.

Attorney General DeWine stressed that these scam artists are very good and victims should not be embarrassed to report them.

To report a scam, please call 1-800-282-0515 or visit www.OhioAttorneyGeneral.gov.

Do Your Research before Driving into an Auto Repair Scam

9/2/2011

Posted on 9/2/2011 by

What do you do when your windshield wipers stop working, your left taillight burns out, and your brakes give out? Some may opt to fix the problem themselves, but many turn to the services and handiwork of auto repairmen. While most auto repairmen are honest and forthcoming, consumers need to be on the lookout for those that are trying to make a quick buck. Better Business Bureau is advising consumers to do their research before turning their car over to an auto repair service.

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you should know how to find a reliable shop and mechanic. It’s important for consumers to be on the lookout for scams like overcharging on repairs, charging for labor that was never performed, and performing shoddy work. In 2010, BBB received a whopping 12,682 complaints against auto repair mechanics. In this year alone, BBB has already received nearly 11,000 complaints.

“Many times consumers realize that they have been scammed, but they don’t have any way of proving it,” said Jocile Ehrlich, BBB President. “It’s extremely important to get all estimates for parts and labor in writing first before authorizing anything.”

BBB recommends the following tips to consider before turning over your car to an auto repair service:

Get a least three referrals. If you are looking for a qualified mechanic, ask friends, family and co-workers for recommendations. Be sure to check the business with www.bbb.org to see if there have been any complaints filed against the business. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, you need to find a shop employing a specialist.

Ask as many questions as you need. Don't be embarrassed to request technical definitions. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be called and apprised of the problem, course of action, and cost of work before any work begins.

Get everything in writing. Before authorizing repairs, get a written estimate for parts and labor. Tell the shop to get your permission before making additional repairs. Ensure you receive notification by having the service manager write a request on the bottom of the repair order. Give phone numbers where you can be reached and before you leave, be sure to understand all shop policies regarding labor rates, guarantees, and acceptable methods of payment.

Do a walk through with your mechanic. When you pick up your vehicle, get an explanation of all work completed and get all guarantees in writing. Ask that any major new parts that have been installed be pointed out to you. Your repair bill should be itemized so if a problem occurs later, you can prove the item is covered by the guarantee.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news

BBB Advice for Making “Golden” Gold Transactions

9/2/2011

Posted on 9/2/2011 by

Arlington, VA – As global markets are currently seeing rapid declines, worried investors are seeking safe havens for their funds. Many are looking to new investment plans to help their money grow. With the price of gold at an all time high of more than $1,700 per ounce, Better Business Bureau is advising consumers to do their homework before making tempting gold transactions.

Whether through an online venue, an at home “gold party,” or your local jeweler, many consumers are looking to sell their gold jewelry for some quick cash. However, not just any dealer can be trusted. In just this year alone, BBB has already received more than 500 complaints against gold, silver and platinum dealers, a number that is well on its way to reaching 2010’s 581 total complaints.

“Consumers need to be on the lookout for not so reputable sellers,” said Jocile Ehrlich, BBB President. “Many of the complaints we receive stem from false advertising and delivery issues where the consumer ends up being appraised far less than what they thought their gold was worth.”

BBB recommends following these tips to ensure a “golden” gold transaction:

Find a trustworthy appraiser. For an appraisal, if possible, go to someone locally whom you know and trust. Always check with BBB first at www.bbb.org. BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

The true price of gold may not be what you receive. If gold is worth $1,700 per ounce, you aren’t going to be paid $1,700 for every ounce of gold you have. Ask what you will be paid (if an online company, make sure you ask for specifics and give details on items you’ll be sending). Understand that the ounce quote is for pure gold only. For instance, 14-karat gold is composed of just 58.5 per cent gold. Ask how much the company’s going rate is for each ounce of each karat you are sending. The lower the karat, the less the gold content.

Don’t let jewelry of different karat value be weighed together. Some dealers will weigh all jewelry together and pay you for the lowest karat value. Separate your jewelry by karat value before attending a gold party.
Don’t let anyone steal your diamonds from gold pieces. Single gold stud earrings might be worth $5 or $10, yet diamonds in the earrings can be saved. Some are too small, and the labor to remove them might exceed their value, but engagement ring diamonds, for example, should be given a value separate from the gold.

Know the terms and conditions when sending items by post. Make sure your items are insured when being shipped, so if they are lost you can recover the value. Obtain appraisals prior to mailing items, so if they are lost you have proof of their value. Check the company’s policy as to what they will reimburse if they lose your product. Many limit their liability. Make a list of the items included in the package, keep a copy for yourself, and put a copy in the envelope. Take a picture of the items you are sending, including any identifying marks.

Ask about the company’s guarantee if you are not satisfied with the price offered. Can you get your product back, if you return the check? Many companies melt down the items in 10–14 days. If you send the check back, send it “return receipt requested,” so you have proof when it arrived at the company.

###

Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB AUTO LINE Turns 30

9/2/2011

Posted on 9/2/2011 by

BBB AUTO LINE, a national program which resolves auto warranty and lemon law disputes, marks its 30th year of service to consumers and the automotive industry. This innovative program has helped nearly 2 million consumers find solutions to their automotive problems.

“BBB is committed to improving marketplace trust and the BBB AUTO LINE program is an example of BBB in action,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Through BBB AUTO LINE we found an industry interested in working more closely with its customers to resolve complaints rapidly and fairly.”

When BBB AUTO LINE began in 1981, consumers were frequently returning for repairs, creating frustration and quality concerns. Adding to the problem was a lack of easy access to trained and effective customer service representatives. “During the early years, BBB AUTO LINE received more than 240,000 complaints a year. In 2010, fewer than 18,000 consumers filed complaints with BBB AUTO LINE,” said Rod Davis, Senior Vice President at the Council of Better Business Bureaus. “This is a testament to the fact that manufacturers have improved both the quality of their products and their customer service operations due to programs like BBB AUTO LINE. Fewer complaints is a positive thing.”

One constant for BBB AUTO LINE is that satisfied users of the program recommend the process to family and friends more than 80% of the time; this according to an independent evaluation of the program required by and provided to the Federal Trade Commission (FTC) each year. Mr. Davis credits the FTC’s framework for warranty dispute resolution programs for setting the right balance between consumers’ rights and the opportunity for businesses to resolve concerns before entering into a costly legal proceeding. Under the FTC’s guidelines, dispute resolution programs that meet standards to ensure fairness, speed and ready access, are a first step in the legal process. However, should the consumer not be satisfied by the results, he or she has the right to take their complaint to court.

By participating in BBB AUTO LINE businesses commit to resolving warranty concerns raised by their customers. Auto manufacturers and importers providing this service nationally through the BBB include Acura, AM General, Audi, Bentley, Buick, Cadillac, Chevrolet, Ford, GMC Truck, Honda, Hyundai, Indian Motorcycle, Infiniti, Isuzu, Kia, Lamborghini, Lincoln, Land Rover, Lotus, Mazda, Mercury, Nissan, Saab, Saturn and Volkswagen. Many others participate on a state-by-state basis. A detailed listing of all participants, customer service numbers for the businesses and more information about BBB AUTO LINE may be found on the BBB website at: http://www.lemonlaw.bbb.org/.

###

Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Advice on Student Security – What Every College Student Should Know

9/2/2011

Posted on 9/2/2011 by

As college students get settled on campus, fighting fraud may not be at the top of their list of priorities. College students are susceptible to identity theft, however, and Better Business Bureau recommends that they take seven simple steps to protect themselves on campus.

In 2010, 8.1 million Americans – or 3.5 percent of the population – became victims of identity theft, according to the 2011 Identity Fraud Survey conducted by Javelin Strategy & Research and sponsored by BBB. The average mean cost of identity theft is $631 and the average time to resolve identity fraud is 33 hours – valuable study time.

“Friendly fraud” accounts for 14 percent of all ID theft crimes. This means that new roommates and friends have just as much potential of being as dastardly as a foreign-based scam artist phishing on the Internet. And identity thieves – friend or foe – think nothing of dumpster diving (or rifling through unattended trash cans) for unshredded paperwork or even taking mail from unlocked mailboxes (or off a desk). They can even cruise social networking sites looking for some personal tidbit that can unlock a wealth of information elsewhere.

“In this day and age, you can’t always trust your peers,” said Jocile Ehrlich, BBB President. “It’s extremely important for students to be vigilant in monitoring bank and credit card statements to spot unauthorized activity. Sign up for security alerts on your accounts and have them sent to your mobile phone so you’ll know if any changes have been made to your account.”

BBB recommends that college-bound students take the following seven steps to fight identity theft on campus:

Send sensitive mail to your parents’ home or a post office box. School mailboxes are not always secure and often can be accessed easily in a dorm or apartment.

Important documents should be stored under lock and key. This includes your Social Security card, passport and bank and credit card statements. Shred credit card offers and any paper documents that have sensitive financial information rather than just tossing them out.

Never lend your credit or debit card to anyone. Just say no if your friend wants to borrow your card or asks you to co-sign for a loan or financing for items like a TV.

Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software, which help keep your computer safe from any new advances by identity thieves online.

Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.

Check out unfamiliar websites with the BBB. Look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.

Check your credit report at least once a year. You are entitled to one free report a year from each of the three reporting bureaus: TransUnion, Experian and Equifax. Look for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

For more information on securing your identity, visit www.bbb.org/us/bbb-news.

Bogus Foreign Lottery Checks Using Columbia Sussex Name

9/1/2011

Posted on 9/1/2011 by

BBB has another foreign lottery scam to alert you about. Consumers told BBB they received a letter in the mail claiming that they have won a lottery either from the Euro-Alliance Lottery International Association or the North American Sweepstakes Association. Enclosed with the letter is a legitimate looking check issued by a company called Columbia Properties Oklahoma City LLC. Recipients of the mailing are instructed to deposit the checks and wire a portion of the money they receive for the check to another person in order to claim the money they won.

When BBB was told by consumers that they were getting checks from Columbia Properties Oklahoma City in the mail, we immediately became suspicious. Columbia Properties Oklahoma City LLC is actually owned by a larger company, Columbia Sussex, located here in Crestview Hills, KY. The company manages several Marriot, Hilton and Doubletree Hotels across the country.

BBB found it highly unlikely that a local company, like Columbia Sussex, would be issuing checks on behalf of a foreign lottery. So BBB contacted Columbia Sussex and did some digging. We found out that the letters are a scam. According to Columbia Sussex, the checks consumers received were counterfeit.

It seems that scammers have sent out hundreds, if not thousands, of these bogus checks to US residents. Scammers lure victims into cashing the checks by telling them that they have won the lottery. BBB warns consumers not to cash the checks or wire any money against the value of the checks since the checks will eventually bounce.

If you have received the same solicitation, Columbia Sussex asks that you please send a copy to the company at the address below:

Attn: Mr. Thomas Day, Controller

Columbia Sussex Corp.

740 Centre View Blvd

Ft Mitchell KY 41017

If you have become the unfortunate victim of this scam, you should file a complaint with BBB. Victims are also strongly urged to contact their state's Attorney General's Office, their local police and the Federal Trade Commission at 877-382-4357 to file a complaint. If the scam instructed you to wire funds to Canada, you can also contact the Canadian Anti-Fraud Center, otherwise known as PhoneBusters by calling 1-888-495-8501.

BBB Welcomes August Accredited Businesses

8/31/2011

Posted on 8/31/2011 by

AccountsPlus Tax Law & Accounting & Court Representation

(513) 521-4662

AimHigh Enterprises Inc.

(859) 781-8733

Allen& Sons Enterprises

(513) 237-0232

AmmermanHeating & Cooling

(513) 752-8555

Ample,LLC

(513) 543-9646

Andy'sCar & Truck Center, Inc.

(740) 355-2270

ArchitecturalEntertainment

(513) 898-0540

BirkleyHome Services, LLC

(859) 781-5500

BodeySales, LLC

(513) 533-4463

BrennenDisposal & Excavation

(513) 280-2285

BrushCreek Homes LLC

(513) 633-9482

CBSFence

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CedarCity, Inc.

(513) 934-3535

CincinnatiGraphic Solutions, LLC

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CincinnatiTree Service

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Cooperand Sons Construction

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Cousin'sCleaning

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CRR,Inc.

(859) 448-0558

DaveBrown Products, Inc.

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DavisCustom Concrete & Remodeling, Inc.

(859) 680-3089

DennisFlueck Painting & Wallpapering

(513) 931-3019

DmaraGuitars

(513) 484-8277

DonCatchen & Son Funeral Homes, Inc.

(606) 342-4040

DrakeCustom Construction, LLC

(513) 520-1811

Dyer& Son Poured Walls, Inc.

(513) 217-5764

EDIInc.

(513) 381-5391

FredOswald Contracting

(513) 509-1498

G& G Langenbrunner Inc.

(513) 662-2414

ghPackage & Product Testing and Consulting, Inc.

(513) 870-0080

GlobalHealth Services, Inc.

(513) 777-8111

GlocknerChevrolet Pontiac Buick GMC

(740) 353-2161

GlocknerOil Company, Inc.

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GoldenTransitions LLC

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GriffinWaste Services of NKY

(859) 493-0493

GroneckPhoto Graphix

(859) 261-1407

GroupRealtors

(513) 985-2100

H.Johnson Moving & Storage

(877) 431-7745

HuberLumber Co.

(513) 731-4035

ITQInformation Services, Inc.

(513) 759-5274

Jude'sCustom Exhaust & Auto Repair, LLC

(859) 356-2086

KenLewis Concrete

(513) 551-8593

KGMotors, LLC

(513) 755-3777

KotzElectrical & Mechanical Services, Inc.

(513) 467-9111

LiveScapesLLC

(859) 866-4846

LLAuto Sales

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MalottAutomotive

(937) 446-3985

MarshallFinancial, LLC

(859) 283-5755

MDLion Properties

(513) 604-0235

MenageA Spa, LLC

(740) 876-4603

MiamiWoodworking, Inc.

(513) 398-3537

MLBFlooring

(513) 293-1961

ModeCleaning Specialists LLC

(513) 531-7768

ModernSheet Metal Works, Inc.

(513) 353-3666

NguyenLogistics

(561) 460-2283

NicholasYust Fine Metal Art LLC

(513) 284-6737

OhioValley Solid Surface LLC

(859) 581-8999

OldColony Co. Realtors

(740) 886-2800

OxfordReal Estate, Inc.

(513) 523-7253

PapnerConstruction & Landscaping, LLC

(513) 257-3080

ParentalGuide, LLC

(877) 400-8414

ParkerSafety Inspection Services, LLC

(740) 994-0474

PrecisionEnvironments, Inc.

(513) 847-1510

PremierCleaning and Restoration LLC

(513) 843-5262

QualityLeasing

(740) 355-5327

RedCarpet Floor Care, Inc.

(859) 912-9784

RestorationSolutions, Inc.

(513) 678-7863

RhotenRomodeling & Construction

(513) 518-5955

RockSolid Construction

(859) 360-8380

SAComCabling Systems, LLC

(513) 407-9130

SanitechInternational

(513) 328-2017

SnapFitness

(513) 988-8322

StarPressure Cleaning, Inc.

(513) 886-6030

Startto Finish Construction & Remodeling, LLC

(513) 708-4728

StevenM. Weinstein, CFP

(513) 423-1616

StraightLine Landscaping LLC

(513) 702-1543

SuperiorHomes, Inc.

(513) 575-1144

TheGoddard School of Florence

(859) 525-0555

TheOpen Outdoors

(800) 518-6259

TomCrone, Jr. Builder & Home Remodeling

(513) 309-7774

TopNotch Interior Contractors

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Topof the Line Hair Design LTD

(513) 598-5463

TriState Sprayer Repair, LLC

(513) 405-7048

Tri-StateRecord Storage & Management

(859) 431-9800

TripleM Seamless Gutters LLC

(937) 386-3184

TurnerPainting & Carpentry

(513) 692-1175

TWSAutos, Inc.

(740) 876-8661

VickersWrecking, Inc.

(513) 894-7034

W.A.Guenther Metalcrafting and Classic Restorations, LLC

(859) 750-9881

WayneColwell Construction

(513) 932-3626

webFEAT,Inc.

(513) 272-3328

WestEnd Loan

(513) 241-3803

WestviewMotors, Inc.

(937) 382-8131

WhistleClean Service Inc.

(513) 851-8333

WhitfordContracting Services, Inc.

(859) 393-0167

WiringSolutions

(513) 508-9326

BBB Advises Homeowners to be on the Lookout for Fly-By-Night “Storm Chasers”

8/30/2011

Posted on 8/30/2011 by

Your home and wallet may take a serious beating when a big storm like Hurricane Irene hits and Better Business Bureau is warning consumers to be wary of fly-by-night “storm chasers,” as well as fraudulent charities promising to provide relief.

Storm chasers and other door-to-door salespeople often peddle dubious deals that may cost homeowners thousands of dollars and create serious headaches. BBB recommends doing your research to avoid getting taken advantage of by untrustworthy home contractors.

For those who seek to aid in relief, BBB Wise Give Alliance urges donors to check trustworthy charities before making any donations. Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance.

“Not only do Americans need to be concerned about avoiding fraud, they need to know that their home contractors and charity relief efforts are legitimate and honorable,” said Jocile Ehrlich, BBB President. “It’s imperative to find a home contractor and charity that you can trust.”

When looking for a contractor you can trust and when seeking to aid to relief efforts, BBB recommends that homeowners and donors do the following:

Start Your Search with BBB. In addition to offering Business Reviews on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB accreditation standards require that accredited businesses make a good faith effort to resolve disputes.
hurricane readiness

Find trustworthy charities when aiding to relief. BBB Wise Giving Alliance urges donors to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. Interested donors should visit www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Recognize the red flags. Beware of any contractor who uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits. When looking to make a donation, be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the previous natural disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Vet the contractor carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the contractor will be subcontracting the job or relying on their own employees.

Beware of storm chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door-to-door, in unmarked trucks. They might require advance payment and make big promises on which they won’t be able to deliver.

Seek at least three bids. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring home professionals and for finding a charity you can trust, visit us online at www.bbb.org/us/consumer-tips-home and BBB Wise Give Alliance at www.bbb.org/charity.

EMAILS COMING FROM NACHA.ORG ARE PHISHING SCAMS

8/18/2011

Posted on 8/18/2011 by

EMAILS COMING FROM NACHA.ORG ARE PHISHING SCAMS

SUBJECT: ACH Payment Canceled

SCENARIO TO WATCH FOR

It was brought to BBB’s attention by a Helena professional that he received this email in his work INBOX:

From: <admin@nacha.org>
Date: 2011/7/7
Subject: ACH payment canceled
To: XXXX

The ACH transfer (ID: 32583XXXXX), recently initiated from your checking account (by you or any other person), was canceled by the Electronic Payments Association.

Please click here (XXXX link removed by BBB for safety) to download further information

If you have any questions or comments, contact us at info@nacha.org. Thank you for using http://www.nacha.org.

The Helena man did the right thing by NOT clicking on links or sharing personal info, but by “going off the screen” and contacting NACHA directly to ask about this questionable email he received. NACHA immediately asked, “Is this call about the email you received? It’s a scam.”

BBB ADVICE

NACHA.org has done the right thing, and has posted a warning to its web site here for those with questions or concerns:

http://www.nacha.org/news/newsDetail.cfm/RecentBusinessNewsID/236

BBB TIPS

The FTC, in partnership with the BBB, has produced this video to make people aware of the dangers of phishing scams. It also gives you tips on where you go for further info and how to report phishing scams:

http://video.bbb.org/videos/Phishing+Scam+Protection

Better Business Bureau Integrates U.S. and Canadian Operations

8/17/2011

Posted on 8/17/2011 by
(Arlington VA) – The Council of Better Business Bureaus (CBBB) has integrated operations in the United States and Canada, marking the way for an improved customer experience for those who purchase goods and services across the border. The CBBB Board of Directors voted earlier this month on the integration plan, which became effective today. The CBBB is the international headquarters of the BBB system and the governing body that licenses local BBBs and provides support services to increase their effectiveness.

“The U.S. and Canada remain each other’s largest trading partners,” noted Stephen A. Cox, President and CEO of CBBB. “We share the world’s longest undefended border, and our citizens cross the border 200 million times a year. Every day more than $1 billion in goods, services and investments are exchanged between our two nations. We are really one North American marketplace, and the BBB system now reflects that. Not only will it be easier for consumers to check out businesses in either country, it will be simpler for them to file a complaint or resolve a dispute.”

“Given the advances in technology and the globalization of services, it no longer makes sense to maintain two separate systems,” said M. Jean Lemyre, chair of the Canadian Council of Better Business Bureaus (CCBBB). “The vast majority of consumers initially contact BBB through the Internet. Aligning BBB services into one integrated system will be more efficient for businesses in Canada, and will ensure that consumers continue to receive the high quality of services they’ve come to expect from BBB.”

For nearly 100 years, BBB has helped consumers make smarter buying decisions. More than 400,000 businesses meet the organization’s rigorous standards and are BBB Accredited. In addition, BBB maintains information on more than 4 million businesses, and every year helps millions of consumers through free business reviews, consumer tips, fraud alerts, dispute resolution, and consumer advocacy. 1.1 million complaints to BBB were resolved in 2010.

There are 23 standards that local organizations must meet in order to use the BBB name and logo, and to receive services from CBBB. As part of the integration, boundaries were realigned in four Canadian service areas to combine some operations, reducing the total number of local BBBs from 120 to 116 (10 in Canada, 106 in the U.S.)

# # #

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org for more information.

Contact
Contact: Katherine Hutt
571-422-3584
mediahotline@bbb.org

BBB Warns Consumers of Businesses Misrepresenting Themselves as Government Agencies, Charging for Free Services

8/16/2011

Posted on 8/16/2011 by

CHICAGO, IL- August 10, 2011 - The Better Business Bureau serving Chicago and northern Illinois (BBB) is warning consumers to beware of websites and businesses claiming to provide assistance with immigration services. The BBB recently became aware of an increase in operations claiming to provide passport, citizenship and immigration services, in particular the website www.usaimmigrationsupport.com.

In July alone, the BBB received 32 complaints filed by consumers which eclipses all other months this year. The BBB has a total of 46 complaints since January 2011 when consumers began contacting the BBB in earnest with their concerns. In 24 of those complaints, consumers allege US Immigration Organization, the business that operates the website www.usaimmigrationsupport.com, misrepresented itself as a government entity. The BBB has turned this information over to Illinois Attorney General Lisa Madigan’s office for their review due to the increasing number of complaints being received.

“Immigrants who may speak little to no English can easily fall prey to unscrupulous businesses” said Steve J. Bernas, president, & CEO serving the Better Business Bureau serving Chicago and Northern Illinois. “Businesses are willing to take advantage of anything from a language barrier to someone who is short on time, and scam innocent people out of their money.”

“Consumers have spent anywhere from $75 to hundreds of dollars on these services, thinking they were receiving official assistance with their passport, visa, and naturalization applications”, Bernas noted. “In return, they received only the applications that are free and easily accessible through the federal government.

"It is very important for people to fully read and understand any website and its disclaimers before doing businesses on it," the BBB president stated. "This is particularly necessary when a person is seeking assistance involving personal identification or government programs. There are operations whose intent is to deceive people into thinking the business is something it is not, so people send money and the business also gains access to information about their identities.

Joe Moffa of Oakbrook, Ill., found US Immigration Organization during a search online. He says, “The site looked official; I thought it was a government site. I filled out the form and it asked for $149. I supplied my checking account number and bank routing number. The form said I would get something in a week or two. I did not get anything but when I got my bank statement it showed they had taken the $149 from my account. I tried to call them but could not get through to anyone.”

In the wake of similar activities around the country, the Federal Trade Commission has created multi-lingual educational materials for consumers. These tools can help educate consumers to avoid immigration scams and provide the means to file FTC complaints and report suspected scams or fraud.

The BBB offers tips to individuals looking to obtain legal status in the U.S. while avoiding common scams:

· Never sign blank documents that may contain inaccurate information

· Always retain your original documents and only provide photocopies if necessary.

· Do not make online payments or send money to someone who is not a licensed attorney.

· Make copies of every document you prepare, submit and keep for your own records.

· Request a receipt as proof of payment.

· Check the Illinois Bar Association for licensed attorneys who provide immigration services.

For more advice on fighting fraud and finding businesses and organizations you can trust, visit www.bbb.org

###

As a private, non-profit organization, the purpose of the Better Business Bureau is to promote an ethical marketplace. BBBs help resolve buyer/seller complaints by means of conciliation, mediation and arbitration. BBBs also review advertising claims, online business practices and charitable organizations. BBBs develop and issue reviews on businesses and nonprofit organizations and encourage people to check out a company or charity before making a purchase or donation.

Score a Job – Not a Scam

8/3/2011

Posted on 8/3/2011 by
Looking for a job? You’re not alone. With unemployment at a soaring rate of 9.2%, according to the U.S. Bureau of Labor Statistics, many job hunters are turning to online job boards to post their resume and search for jobs. Better Business Bureau is warning job seekers to proceed with caution before sharing their personal qualifications and inquiring about jobs found online.

As much as the Internet has made searching for jobs easier, it also provides an opportunity for ID thieves and scammers to take advantage of eager—and unsuspecting—job seekers. It’s becoming more and more common for scammers to lure in potential candidates with phrases like, “Get rich quick – without even leaving your home!” all in the hopes of getting their personal information. Craigslist, Monster.com, Careerbuilder.com and now even Facebook are all breeding grounds for scammers and the like.

“Job seekers need to be on the look out for potential scams. Before posting your resume to a career site or inquiring about a job, make sure you know with whom you are dealing,” said Jocile Ehrlich, BBB President. “Many job scammers are having candidates set up direct deposit accounts as part of the application process and making it seem as though it’s naturally part of the process to get an interview—when it’s absolutely not.”

BBB advises job hunters to be on the look out for these red flags when conducting their job search:

Employer emails are rife with grammatical and spelling errors. Most online fraud is perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Emails purporting to be from job posting websites claiming there’s a problem with a job hunter’s account. After creating a user account on sites like Monster.com, Careerbuilder.com or Craigslist.com, a job hunter might receive an e-mail saying there has been a problem with their account or they need to follow a hyperlink to install new software. Phishing e-mails like this are designed to convince readers to click a link within the message to fix the issue, but actually take them to a website that will install malware or viruses on their computer.

An employer asks for extensive personal information such as social security or bank account numbers. Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork suspicions were raised – and rightly so. Regardless of the reason or excuse given by the employer, a job applicant should never give out his or her Social Security or bank account numbers over the phone or e-mail.

An employer offers the opportunity to become rich without leaving home. While there are legitimate businesses that allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at www.bbb.org.

An employer asks for money upfront. Aside from paying for a uniform, it is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. Most recently, the BBB of Metropolitan Dallas uncovered a scam where job hunters were told they had to pay $64.50 for a background check before they could be considered for a cleaning job. Predictably, after paying for the background check, the job seeker never heard from the company again.

The salary and benefits offered seem too-good-to-be-true. The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little experience in order to lure unsuspecting job hunters into their scam.

The job requires the employee to wire money through Western Union or MoneyGram. Many phony jobs require the prospective employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers.

# # #

Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

About BBB

As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit BBB.org/us for more information.

How to Stretch Your Gas Dollars this Summer

8/3/2011

Posted on 8/3/2011 by
Gasoline prices have risen well above $4.00 a gallon in most every state across the country. The average U.S. family with two drivers is now paying nearly $1,000 more annually for gas than they were just two years ago according to a recent study by research gurus, Sperling's BestPlaces. Although there are practical steps you can take to increase gas mileage, Better Business Bureau warns consumers to be wary of gas-saving claims that empty your wallet, instead of saving you fuel.

Many websites make unbelievable claims for various after market automotive devices (fuel-line magnets, air bleed devices and retrofit gadgets) and oil and gasoline additives that supposedly increase gas mileage for automobiles. The Federal Trade Commission found many of these claims to be either false or overly exaggerated.

“Summer travelers should shop around. Nowadays, many smartphones have apps specifically for finding the cheapest gas prices in your area,” said Jocile Ehrlich, BBB President. “You may even want to consider getting a credit card that gives you cash back bonuses on gas purchases.”

Before adding any fuel savings device to your vehicle, check with your mechanic. You may end up with a voided manufacturers warranty and serious engine problems by adding after market devices to your engine.

What you spend at the pump is influenced by how you drive and what type of gasoline you use to fill your tank. As we reach the peak of summer travel, here are some tips on what you can do to save fuel consumption:

Choose the right octane for your car. Check your owner’s manual to find out what octane your car requires. Keep in mind that the higher the octane, the higher the price.

Keep your engine tuned. Studies have shown that a poorly tuned engine can increase fuel consumption by as much as 10 to 20 percent depending on a car’s condition. Follow the recommended maintenance schedule in your owner’s manual; you will save fuel and your car will run better and last longer.

Don’t let your engine run at idle any longer than necessary. An engine actually warms up faster while driving. With most gasoline engines, it is more efficient to turn off the engine than to idle for any period longer than 30 seconds.

Drive more efficiently. Stay within the posted speed limits. The faster you drive the more fuel you use. Set your cruise control on highway trips. This can help maintain a constant speed and, in most cases, reduce your fuel consumption.

Keep your tires properly inflated and aligned. Automobile manufacturers must place a label in the car stating the correct tire pressure. If the label lists a psi (pounds per square inch) range, use the higher number to maximize your fuel efficiency.

Anticipate the driving condition. Driving smoothly and steadily makes the best use of your fuel. If you can, avoid sudden acceleration or braking.

Change your oil and replace air filters regularly. Clean oil reduces wear caused by friction between moving parts and removes harmful substances from the engine. Your air filter keeps impurities in the air from damaging internal engine components.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

Business Blogging – Why Every Business Owner Should Do It

8/3/2011

Posted on 8/3/2011 by
Between Facebook posts and Twitter tweets, it seems like there are a thousand and one ways to communicate virtually these days. However, what many in the business world overlook is blogging. Better Business Bureau is recommending that business owners consider some simple blog implementation strategies to heighten their business’ visibility on the web.

A blog dedicated to the thoughts of a business’ president or CEO or a business’ mission can serve as a meaningful way to attract potential customers – and allow business owners to establish themselves as a thought leader in their respective market(s). Business blogs can be linked from the business’ website, Facebook page and Twitter account and are a great way of sharing the longer, more thought provoking messages.

According to a recent survey by HubSpot, 57% of companies using blogs reported that they acquired customers from leads generated directly from their blog. They go on to find that businesses are now in the minority if they do not blog. From 2009 to 2011 the percentage of businesses with a blog grew from 48% to 65%.

So what’s so great about a blog? “A blog gives a president or CEO the chance to communicate in more of a dialogue-like setting with their constituents,” said Jocile Ehrlich, BBB President. “Limited characters and space can confine a message in some settings. A blog allows for a full message to be shared and can even be catered towards targeted audiences.”

BBB recommends that business owners consider the following when implementing a blog for their business:

Heightened visibility is always a plus. When you blog, you get more eyes on your business and increase your search engine optimization (SEO).

Voicing your passion gets your customers noticing. Letting your customers see how and why your business came about and sharing what it is you love about doing what you do is a great way to make a connection with your audience. With (almost) no length limits, a blog is a great platform to share exactly what it is that makes your business different from the rest.

A blog can serve as a great networking tool. A blog is a great place to inspire your constituents and build a subscriber base. By giving your voice a platform and reaching out to other fellow business bloggers, you have the ability to establish a solid business-to-business network.

For more business advice you can trust, visit www.bbb.org/us/bbb-news.

Shield Yourself from a Cell Phone Radiation Scam

8/3/2011

Posted on 8/3/2011 by
Scammers are always looking to make a quick buck, and with consumers concerned about harmful exposure to cell phone emissions, many scammers are looking to promote “shields” that can protect from the cancer causing waves. Better Business Bureau (BBB), along with the Federal Trade Commission (FTC) are warning consumers to be on the lookout for these so-called “shields” and advising consumers to turn to free options when limiting exposure to cell phone electromagnetic emissions.

Like many other too good to be true products, there is no scientific proof that these shields are actually effective. While it is always good to protect yourself from potentially harmful emissions, there are other ways to do it besides investing in a shield for your cell phone. The FTC even notes that these so-called “shields” may even interfere with your cell phone’s reception.

“Leave it to scammers to jump on the latest scientific frenzy,” said Jocile Ehrlich, BBB President. “It’s important for consumers to do their research before investing in any too good to be true technology. More times than not, victims will end up with a faulty product that, in many cases, doesn’t actually do any good.”

BBB and the FTC advise consumers to consider these free options for limiting cell phone electromagnetic emissions:

Go hands free. When chatting on the phone for long periods of time consider using a hands-free device, like an earpiece, or using the speakerphone feature. For the short conversations, you may even want to consider just texting the message, which allows for a quick response and keeps the phone away from your head.

Wait for a good signal. When you have a weak signal, your phone works harder, emitting more radiation. Phones also give off more radiation when transmitting than when receiving, so tilt the phone away from your head when you’re talking, and bring it back to your ear when you’re listening.

Shop around. When looking for a new cell phone, consider investing in one that has a low specific absorption rate (SAR) before you buy. Measured in watts per kilogram of tissue, the SAR reveals how much radiation the body absorbs while using the mobile device. The FCC has record of this information for phones that were made in the last two years. You can find the FCC ID number on the inside of your cell phone’s case. Legally, in the US, a phone can’t emit more than 1.6 watts per kilogram.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news and for more tips specific to cell phone emission, visit www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm.

BBB Advises Homeowners on Mold Must-Knows

8/3/2011

Posted on 8/3/2011 by
Many homeowners are looking for remedies for dealing with the aftermath of the devastating floods that have hit so many homes around the country. While a little part of the water damage picture, mold can be an ever growing, pesky problem that, if not taken care of quickly, can last forever. Better Business Bureau, along with the Environmental Protection Agency (EPA) are advising homeowners to be proactive when it comes to dealing with mold and mildew.

When looking to eradicate mold, homeowners may choose to either tackle the problem on their own or consult the expertise of a contractor. Either way, BBB advises that, it’s important for homeowners to do their research. According to the EPA’s Mold Guide, the many types of mold may begin growing indoors when mold spores land on surfaces that are wet. Mold can grow on any kind of wood, paper, carpet, and food.

“In 2010, BBB received nearly 30,000 inquires on mold and mildew eradicators,” said Jocile Ehrlich, BBB President. “As mold can ultimately destroy anything that it lands on, it’s important to act smart and fast.”

While homeowners should always avoid handling and touching mold without wearing proper gloves, there are also many other things to keep in mind. BBB and the EPA advise homeowners to consider the following:

Know your risks and side effects. There are many health risks associated with mold and mold growth. Many may experience an allergic reaction and other respiratory complaints when mold is present in the home.

Be proactive. The EPA attests that there is no practical way to eliminate all mold and mold spores in the indoor environment. The way to control indoor mold growth is to control moisture. If you notice a leak in your shower faucet or sink, repair it immediately to avoid the ideal habitat for mold. Clean and dry any wet or damp surfaces within 24-48 hours to prevent mold growth. Vent all bathrooms, kitchens and other moisture-generating sources to reduce indoor humidity and prevent mold growth.

Choose wisely when picking a contractor. Some mold eradicators can be imposters. It’s important to check a business’ BBB Business Review at www.bbb.org before selecting a contractor. Ask for referrals from friends and family members and check with at least three contractors before deciding on one. Make sure the contractor has experience cleaning up mold. Check references and ask the contractor to follow the recommendations in EPA’s Mold Remediation in Schools and Commercial Buildings, or other guidelines from professional or government organizations.

For more tips you can trust, visit www.bbb.org/us/bbb-news.

Watch Out for False Promises from OnlineBusinessScams.com

8/3/2011

Posted on 8/3/2011 by
BBB cautions consumers to watch out for a website that is falsely charging for BBB complaint resolution services. OnlineBusinessScams.com charges consumers an upfront fee of $1500 to $2000 for assistance in collecting money owed from businesses only to forward consumers’ complaints to BBB.

OnlineBusinessScams.com told one consumer that in order to help him collect money owed from a business he needed to pay 30% of the amount owed. The site requested half of the 30% upfront, which he paid.

After receiving the fee, OnlineBusinessScams.com asked the consumer to provide the details of the dispute so the site could determine whether to handle the “case.” Afterwards, the consumer received an information packet that included an envelope addressed to BBB. OnlineBusinessScams.com told the consumer that they would recover his money within 90 days. It’s now been 90 days and the consumer tried to contact OnlineBusinessScams.com to no avail.

BBB wishes to remind all consumers that their services are free. Consumers never have to pay a third party in order to receive help from BBB. To file a complaint against a business, please fill out BBB’s online form or contact your local BBB.

BBB Welcomes July Accredited Businesses

8/3/2011

Posted on 8/3/2011 by

4Dry Out, Inc.

(513) 633-1379

4Seasons Ground Management, LLC

(513) 489-7669

A All Valley Plumbing & Sewer Service, LLC

(513) 733-3311

A1Quality Home Improvement & Roofing LLC

(888) 493-6075

AAMCOTransmissions of Greater Cincinnati and Northern Kentucky

(859) 344-8858

AamcoTransmissions of Greater Cincinnati and Northern Kentucky

(513) 793-4210

AAMCOTransmissions of Greater Cincinnati and Northern Kentucky

(513) 759-0695

AAMCOTransmissions of Greater Cincinnati and Northern Kentucky

(513) 528-6500

AbleRestoration Systems

(513) 671-2224

ABMElectric

(513) 383-9519

AbsolutePerfection Construction, LLC

(513) 518-1442

Alice'sCompanion Dog Training School, LLC

(513) 641-5700

AllAmerican Roofing, Siding & Gutters

(859) 652-5264

AnchorGrill

(859) 431-9498

AutonInsurance

(859) 635-4141

B-DrySystems Cincinnati

(513) 772-2379

BankersOnline Supply

(404) 585-0741

Beautyby Trinity Professional Salon

(513) 405-7179

BeltoneHearing Care Center

(513) 934-2358

BGContractors, LLC

(513) 272-6668

BluegrassBiomedical, Inc.

(800) 497-9204

BlueStar

(859) 371-4423

BobClyse Chevrolet Buick Pontiac GMC

(740) 532-4011

(740) 259-5161

(513) 607-1480

(937) 382-2542

(859) 380-6067

(513) 541-2626

CityWide Maintenance of Cincinnati

(859) 331-6500

ComplianceInsight, Inc.

(513) 860-3512

Crowe& Welch

(513) 831-8511

D& B Services LLC

(859) 586-1715

D& S Cleaning Agency LLC

(937) 271-7474

D2DCincinnati

(513) 407-8633

DeerPark Deli

(513) 891-6440

Designer'sSecret

(513) 752-1023

DGMTransformations, LLC

(513) 543-8898

Dr.Carol A. Strong, DPM, LLC

(937) 685-9187

EmeraldTax Services LLC

(513) 681-1040

ENGLending

(513) 618-6596

FamilyChild Care & Development Center LLC

(740) 820-2273

FigureWeight Loss

(859) 371-4555

FindCheapFood.com

(877) 360-6543

FirstLightHomecare Franchising, LLC

(513) 766-8402

FixIt Home Repair LLC

(937) 763-5245

FurlongBuilding Enterprises, LLC

(859) 647-2999

GrandviewTavern & Grille, LLC

(859) 341-8439

GreaterCincinnati Maids, Inc.

(513) 232-6243

GreenSide Up Landscaping

(513) 283-1800

HaasDistinctive Woodworks LLC

(513) 288-5120

HandSurgery Specialists, Inc.

(513) 961-4263

HathawayStamp & Identification, LLC

(513) 621-1052

HayesElectric Services, Inc.

(859) 982-8802

HinsFordBuilding and Remodeling LLC

(513) 202-1470

HuntingtonLearning Center

(513) 489-5777

HuntingtonLearning Center

(513) 528-7500

IndianaWesleyan University

(513) 881-3600

Inst-I-Glass

(513) 410-6944

J& A Cleaning, LLC

(513) 843-6910

JakeSweeney BMW

(513) 782-2800

JakeSweeney Body Shop

(513) 782-1100

JakeSweeney Mazda Tri County

(513) 782-2800

JakeSweeney Original Used Car Superstore

(513) 782-2800

JCBattle & Sons Funeral Homes, Inc.

(513) 281-4330

JGMMA & Fitness Academy

(513) 889-5851

KBICLEANING, LLC

(859) 250-2513

MainStreet Construction and Remodeling, LLC

(513) 594-7219

McGeeCustom Painting

(513) 616-4867

MeisterInternational, LLC

(513) 923-2712

MendellRoofing, LLC

(859) 817-1457

MoonlightCleaning Service

(513) 824-8176

OttoPrinting Company

(859) 261-3611

PatrickNesbitt Attorney

(513) 755-2600

PendragonHomes, LLC

(513) 492-8285

QualityAlliance, Inc.

(513) 860-0960

R.J.Molloy, Co.

(513) 662-1040

ReinhardtTaylor Services, Inc.

(513) 729-0071

RescueRoofing & Satellite

(513) 886-9992

RHKMotors, LLC

(937) 544-4106

RiversideMotel

(740) 446-2702

RockOut Inc. Entertainment LLC

(513) 278-7746

RoushConstruction

(937) 579-4071

SafeguardConstruction LLC

(859) 240-7740

SantosAuto Service Co.

(513) 761-7881

ScudderGeneral Contracting

(513) 827-5212

Shar-Jo'sPet Styling & Home Pet Sitting

(513) 831-9457

SheakleyEquip, LLC

(513) 771-2277

SmithJewelers

(513) 772-8113

SpartanAsset Recovery Group Inc.

(513) 843-1013

SpotlessServices LLC

(513) 492-9232

SteveBurnett Excavating

(513) 383-7107

StrategicHR, Inc.

(513) 697-9855

SunsetBlinds Shades and Shutters LLC

(513) 426-8081

SwitchLighting & Design, LLC

(513) 721-8100

SycamorePrinting, Inc.

(513) 247-0777

TerraNova Landscaping

(513) 703-6605

TheEnd Zone

(740) 533-1111

TheMedicare Plan Store, LLC

(513) 451-8131

ThomasHudepohl Restoration Company

(513) 398-9691

ThomasLawn & Landscape

(513) 235-4287

TNTFence

(937) 402-7087

Tri-StateSleep Disorders Center

(513) 671-3101

Tri-StateSleep Disorders Center

(513) 671-3101

Tru-CraftRoofing, LLC

(513) 965-9200

ValarieWillis Consulting Company

(513) 677-5637

WaterWorks Car Wash Systems, Inc.

(513) 943-1520

Wendy'sFantasy Fitness Studio, LLC

(513) 889-1001

Beware of Scammers Posing as Friends in Trouble

7/29/2011

Posted on 7/29/2011 by

I received an email out of the blue from an acquaintance I hadn’t heard from in a while. The text of the email is below:

Good Morning!!

I'm sorry for this odd request because it might get to you too urgent but it's because of the situation of things right now..

I am presently stuck in SPAIN right now: came here on vacation and Unfortunately we got Robbed at the park of the hotel where we stayed. All cash and credit cards were stolen. Glad we still have our passports with us!!!

We've been to the embassy and the Police here but they're not helping issues at all and our flight leaves in less than 6hrs from now but we're having problems settling the hotel bills and the hotel manager won't let us leave until we settle the bills. I need a quick loan from you to settle our bills and i will be very very glad to pay back...You have my word.

Hope to hear from you soon.

It turns out that this is a relatively common email scam. The scam artists may hack an email account, a Facebook account or even call you on the phone posing as a relative or friend in trouble.

BBB Welcomes June Accredited Businesses

7/20/2011

Posted on 7/20/2011 by

ABG Design Build

(513)533-3008

Acme Tree Service, Inc.

(513)574-1234

Adam Brown Heating & Cooling

(513)683-3818

Adams Gravel & Excavating,Inc.

(937)382-0436

Affordable Contracting by TNT

(513)227-6497

Affordable Homes, Inc.

(740)574-4405

After Image Video ProductionsInc.

(513)574-7736

All Natural Salon LLC

(859)635-2400

Alliance Printing & Mailing

(513)422-7611

America Homes LLC

(513)293-4663

American Health Centers ofChesapeake, Inc.

(740)867-5352

AmeriPride Services Inc.

(859)371-4037

Amy's A1 Cleaning

(812)798-3027

Another World Enterprises

(859)586-4642

API

(859)431-4901

Arriba!! Tax Services LLC

(513)528-0904

ASAP Cleaning Service

(513)591-2727

Auel Landscape and Lawn Care

(513)607-7213

Auto Haus Cosmetics, LLC

(513)791-1688

Avalon Consulting Group

(888)513-1116

Barnes Electric(513) 737-5555

Basic Health Chiropractic & Rehab,LLC

(859)525-1695

Benchmark Masonry Contractors,Inc.

(513)705-9152

BIC Roofing, LLC

(513)824-8622

Blue Ash Fire Protection

(513)386-7020

Blue Chip Pavement Maintenance,Inc.

(513)321-9595

Bridle Path Stables

(513)202-4277

C & A Construction

(513)487-9604

Calvin's Auto Laundry

(513)241-9274

Campbell County Auto Body, Inc.

(859)781-5800

Captain's Cove Marine

(513)321-1111

Cheviot Auto Body Carstar

(513)661-8915

Cincinnati Public Adjusters, LLC

(513)894-2000

Classic Auto Detail

(513)761-4004

Colerain Collision Carstar

(513)741-2922

Complete Care Providers Inc.

(513)432-9766

Crab Mechanical Services, Inc.

(740)355-5300

Creative Scapes Lawn &Landscaping, LLC

(513)614-4752

Custom Flooring Products

(513)615-4206

Custom Window Coverings LLC

(859)426-5052

DCH Construction, Inc.

(859)491-8899

Deaf Choice, Inc.

(513)608-1695

Delhi Hills Flower & GardenCenter, Inc.

(513)771-3737

Dick Scott Plumbing Inc.

(513)921-2254

Diversified Facility Solutions,LLC

(513)482-3466

Dixie Imports, Inc.

(513)829-2777

Document Destruction, LLC

(513)772-1114

Dugan Concrete & BobcatServices, LLC

(859)653-2374

E.F. Bavis & Associates, Inc.

(513)677-0500

EA Motorsports

(513)943-7010

Eastern Hills Academy of HairDesign(

513)231-8621

Eazy Dry, Inc.

(888)339-3299

Eddie L. Jenkins

(740)534-2390

EMH Enterprises LLC

(513)550-1935

Equipment Maintenance Solutions,LLC

(866)324-4508

Essential Licensed MassageTherapy

(513)791-1512

Ethos Laboratory

(513)889-4423

Evans RV Center

(937)382-2344

Extreme Clean Auto Detailing, LLC

(513)526-6706

Fast-Teks On-Site ComputerServices

(513)575-3278

Fields Marketing Research, Inc.

(513)821-6266

Fix It, Joe Mac! LTD

(513)236-5205

Fred H. Peck, DDS, LTD

(513)621-7666

Gary A. Shearer, MD MedicalClinic

(859)746-2880

Gifts For Everyone U Know

(888)204-1439

Glenway Auto Center

(513)251-5555

Goddess of Geekdom TechnologySolutions

(513)616-9510

Gracious International CareService

(513)782-0123

Granite Designs

(513)828-7005

Green B.E.A.N. Delivery

(513)761-2326

Green City EcoStruction

(513)221-5537

Grey Street Company

(859)393-2888

Grime King

(859)802-0968

H&H Labor Service, LLC

(513)834-5567

H.E.Y. Graphics, Inc.

(513)948-8700

Hallit, Inc.

(937)787-4860

Handy Champs, LLC

(513)297-7746

Harkavy Management Services, Inc.

(513)351-1412

Harley Grim MD

(513)931-3400

HDI Home & CommercialServices

(513)221-9609

Hoffman's Home Enhancements, Inc.

(513)759-6818

Hopkins Painting Inc.

(513)265-8822

iClean

(513)828-3885

Ideal Garage Solutions, LLC

(513)562-7542

Immerman & Tobin Co., LPA

(513)381-8430

Inlight Photography Studio

(937)776-1413

Invent Help

(859)331-2704

J Mar Concrete & Excavating, Inc.

(859)485-7421

J. Gill Enterprises Inc.

(513)476-7276

Jake Sweeney Automotive, Inc.

(513)782-2800

Jake Sweeney Chrysler Jeep DodgeRam

(513)782-1000

Jake Sweeney Kia

(859)371-1818

Jake Sweeney Mazda West

(513)699-4900

Jake Sweeney Smartmart, Inc.

(513)721-3764

John Loos & Sons Blacktopping

(513)367-9228

Just Right Carpentry, LLC

(513)432-1675

Keith Edwards Roofing

(937)470-7513

Kemper Pond Office Park, LLC

(513)671-7888

KemperConnect, Inc.

(513)352-0991

Kneading Touch TherapeuticMassage Center

(513)942-1999

Knisley's Body Shop

(937)981-2359

KS Designs, Inc.

(513)241-5953

L. Craig Kendrick, LLC

(859)371-4321

LightSpeed Gaming LLC

(800)620-6698

Loman's Furniture

(513)737-1000

London Bridges Child DevelopmentCenter, LLC

(513)825-3222

Lowes Roofing and Remodeling

(513)332-7333

Medical Institute Of Kentucky

(859)282-8170

MGM Auto Sales, LLC

(866)442-8584

Midwest ManufacturingConsultants, LLC

(513)536-2828

Mira Auto Sales

(513)889-2750

Mireagan Group, Inc.

(513)206-7990

Monroe Collision Center

(513)539-7800

Moore's Auto Body

(513)553-2331

Mr. Appliance of GreaterCincinnati

(513)777-1777

Mullins Remodeling

(513)377-8300

My Independence, LLC

(513)771-0306

Nana's Stepping Stones, LLC

(740)532-4869

Napier Siding & GutterCompany Co.

(513)425-0594

National Prosthetics &Orthotics, Inc.

(866)442-0590

Newmans Kennel

(513)625-1229

Northwest Service Center

(513)931-7034

O'Sullivan Exteriors

(513)652-3703

Ohio Valley Drywall

(937)205-3869

Ohio Valley Natural Fibers

(937)446-3045

Overhead Door of Pike County

(740)289-3925

Patterson's Home Improvement

(513)282-5775

PC Repair Shack

(859)282-1235

Pediatric Associates ofFairfield, Inc.

(513)874-9460

Peppe Ramundo & Son, Inc.

(513)921-2400

Perry Seaman Custom Homes

(812)576-6090

Playful Pooches & Parents DogTraining

(513)939-3647

Pleasant Run Service Center

(513)829-0119

PM/PC Direct Inc.

(513)492-9250

Porch Front Properties LLC

(513)266-6525

Print Zone

(513)553-2077

Prodigy Preschool, LLC

(513)683-2345

Prodigy Tattoo LLC

(513)360-0179

Quality Sounds DJs, LLC

(513)201-1380

Queen City Propane

(513)233-0333

Randy's Auto Body, Inc.

(859)586-4239

Rice's Furniture

(740)446-9523

Rick's Car Care, Inc.

(513)932-1004

River Road Auto Center, LLC

(513)941-8111

Robert A. Klingler Co., LPA

(513)665-9500

Robinson Cleaners

(513)385-7180

Robinson's Automotive Service

(513)874-7999

Rohrer's Tavern, LLC

(513)941-4266

Ronald Tipton Roofing

(513)225-1587

Ronnie Price Upholstery & TopShop

(513)368-9462

Roof Tek

(513)520-8380

Sandpiper Media Group

(513)448-0055

SCRIP-SAFE International

(513)697-7789

Senior Helpers of Southwest Ohio

(513)204-7921

Silgas Propane

(513)874-3731

Southern Ohio Services

(513)320-4461

Sportman's Construction Service,LLC

(937)489-6032

Stacy L. Davis, DDS, LLC
(740) 947-1990

Stamper's Blinds Factory

(859)525-7047

Stan Riley's Custom Draperies

(513)821-3732

Stereo Master

(513)621-1983

Systems Insight, Inc.

(859)291-9026

Taylor Made Inspections

(513)621-2188

The House Healer LLC

(513)313-3745

The Law Office of Iversy Velez

(859)746-1835

Tina's Home & Business CareLLC

(513)293-1987

Top Quality Service Realty, LLC

(859)282-8427

Total Performance Racing, Inc.

(513)942-7020

Tri-State Foam Insulation

(513)744-2575

Tri-State Home Exteriors, Inc.

(859)356-5119

U-Pull-&-Pay LLC

(513)948-8649

Ultimate Air Shuttle

(513)437-3931

Volume Electronics LLC

(513)761-8888

Webster Interactive LLC

(513)644-8041

Western Hills School of Beauty& Hair Design, Inc.

(513)574-3818

Wetzel Flooring

(800)860-1723

Windy Acres

(937)382-8057

Wonderful World of Kids

(513)868-8500

WSI4Marketing

(513)545-0059

Young Achievers Child Care Center

(513)922-2273

Your Life My Window Photography

(513)646-1915

Cincinnati Police Issue Warning on Door-to-Door Magazine Crews

7/19/2011

Posted on 7/19/2011 by
Ah the hazy humid days of summer are upon us and so are the summer scams. The Cincinnati Police just issued a warning to residents that door-to-door magazine crews are working in east-side neighborhoods. According to their alert, the sales folk are claiming that proceeds would go to local charities but the local charities have revealed that they have no working relationship with these groups

Council of Better Business Bureaus Announces Groundbreaking Agreement on Child-Directed Food Advertising

7/14/2011

Posted on 7/14/2011 by
Arlington, VA – The Children’s Food and Beverage Advertising Initiative (CFBAI), a program of the Council of Better Business Bureaus, today announced a groundbreaking agreement that will change the landscape of what is advertised to kids by the nation’s largest food and beverage companies. For the first time, these food and beverage companies, who do the vast majority of advertising to children, will follow uniform nutrition criteria for foods advertised to children.

These uniform nutrition criteria, designed by CFBAI and top food industry scientists and nutritionists, will further strengthen voluntary efforts to change child-directed food advertising. Approximately one in three products currently advertised to kids do not meet the new nutrition criteria. While individual companies already have strong nutrition criteria for the products they advertise, the new uniform nutrition criteria will require many companies to change the recipes of these products or they will not be able to advertise them after December 31, 2013. The new criteria encourage the development of new products with less sodium, saturated fat and sugars, and fewer calories.

“These uniform nutrition criteria represent another huge step forward, further strengthening voluntary efforts to improve child-directed advertising. Now foods from different companies, such as cereals or canned pastas, will meet the same nutrition criteria, rather than similar but slightly different company-specific criteria. The new criteria are comprehensive, establishing limits for calories, saturated fat, trans fat, sodium and total sugars as well as requirements for nutrition components to encourage,” said Elaine Kolish, Vice President and Director of the CFBAI.

The result of a year-long effort to further improve the nutrition composition of foods advertised to children, the new CFBAI criteria take into account food science, U.S. dietary guidelines, and the real-world difficulties of changing recipes of well-known foods. The new CFBAI uniform criteria fill gaps in the system of company-specific standards. They also recognize the inherent differences in food categories and their role in the diet, and set calorie and nutrient requirements that are appropriate for ten categories. Under the new CFBAI criteria, different foods such as cereals, peanut butter and dairy products have different nutrition criteria that are appropriate to each category.

“The food supply is a critical component to health and wellness. These criteria are meaningful, but practical, science-based standards that will further encourage healthier foods to be developed and advertised to children. Having criteria that are balanced for both nutritional significance and yet allows inclusion of foods that taste good and are affordable is critical because no matter how healthy a food is, if it’s not consumed it will not improve health and wellness. These criteria strike that balance,” said Dr. Eric Decker, Chair of the Department of Food Science, at the University of Massachusetts-Amherst, and a member of the Institute of Medicine’s Committee on School Foods.

The ten product categories are: juices; dairy products; grains, fruits and vegetable products; soups and meal sauces; seeds, nuts, nut butters and spreads; meat, fish and poultry products; mixed dishes; main dishes and entrees; small meals; and meals. Each category has its own set of criteria, such as:

Juices. For juices, no added sugars are permitted, and the serving must contain no more than 160 calories.

Dairy. This category includes products such as milk and yogurt. For ready to drink flavored milk, an 8 fluid ounce portion is limited to 24 grams (g) of total sugars. For yogurt products, a 6 ounce portion is limited to 170 calories and 23 grams of total sugars. These sugars criteria include both naturally-occurring and sugars added for flavoring.

Grains, fruits and vegetable products (and items not in other categories). This category includes products such as cereals, crackers and cereal bars. Foods with ≤ 150 calories, such as most children’s breakfast cereals, must contain no more than 1.5 g of saturated fat, 290 milligrams (mg) of sodium and 10 g of sugar (products with > 150−200 calories get proportionately higher limits). Foods in this category also must provide ≥ ½ serving of foods to encourage (fruits, vegetables, non- or low-fat dairy, and whole grains) or ≥ 10% of the Daily Value of an essential nutrient.

Seeds, nuts, nut butters and spreads. Foods in this category, which includes peanut butters, must have no more than 220 calories, 3.5 g of saturated fat, 240 mg of sodium and 4 g of sugar per 2 tablespoons. Foods in this category also must provide at least one ounce of protein equivalent.

Main dishes and entrees. Foods in this category, such as canned pastas, must have no more than 350 calories, 10 percent calories from saturated fat, 600 mg of sodium and 15 g of sugar per serving. Foods in this category also must provide either ≥ 1 serving of foods to encourage or ≥ ½ serving of foods to encourage and ≥ 10% of the Daily Value of two essential nutrients.

“The foods advertised during kid’s programming are better now than before. CFBAI participants have stepped up to the plate and changed what’s on it. As a result, the fat, sugar, sodium or calorie content of foods advertised to kids has been reduced, and their nutrient density increased. During the last several years, the CFBAI participants have changed the recipes of or created more than 100 products to meet their meaningful, science-based nutrition standards,” said Kolish.
Under the current company-specific criteria, a limit of 12 grams of added sugars was the general standard for children’s cereals. This represented a significant improvement from 16 or 15 grams of sugars in cereals advertised to children prior to the CFBAI. Now, under the CFBAI’s new uniform criteria, the limit for most children’s breakfast cereals is 10 grams of total sugars. Similarly, companies’ sodium standards for canned pastas ranged up to 750 mg. Now, 600 mg of sodium, the level FDA uses in its definition of “healthy” claims for main dishes, will be the maximum.

The Council of Better Business Bureaus created the CFBAI in 2006 to respond to the FTC’s and Institute of Medicine’s calls for greater self-regulation of food advertising to children. As a result, advertising primarily directed to children through traditional and emerging media today are for healthier products, and these new criteria will result in participants improving products even more.

For more details on the criteria, visit: http://www.bbb.org/us/children-food-beverage-advertising-initiative/.

###
About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills, Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Incorporated; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the current pledges of the participants visit: http://www.bbb.org/us/children-foodbeverage-advertising-initiative

Is Retirement in your Future

7/5/2011

Posted on 7/5/2011 by

Having an alternate plan for retirement is becoming the norm today. With the changes in retirement rules and the fact that employees are cutting back on what they contribute to an employee’s retirement, consumers now realize they must take more personal responsibility for their retirement finances. In this economy, how do you go about making sure you will have the finances needed for a secure retirement?

According to the U.S. Department of Labor (USDOL), fewer than half of all Americans have calculated how much they will need to save for retirement. While it’s important to plan, it’s also important to set realistic, achievable goals. Know your options and ask questions. Set aside time to talk with your employer about retirement plans. Your employer may offer benefits like 401(k) plans which allow for an immediate tax deduction growth on your savings.

“While earlier generations of retirees relied on employer provided pensions, today’s workers will need to rely on their own work-related and personal savings for retirement,” said Jocile Ehrlich, BBB President. “That’s why it’s extremely important to have an alternate plan and save as much as possible.”

BBB and USDOL recommend that consumers consider the following to ensure a more financially comfortable retirement:

A penny earned is a penny saved. Start saving now and continue to stick to your savings goal, it’s never too late to start saving. Make a budget and use it! Saving can be fun if you think big and realize how much it will pay off when the times comes to retire.

Be realistic about your retirement needs. According to the USDOL, experts estimate that you will need about 70 percent of your preretirement income – lower earners, 90 percent or more – to maintain your standard of living when you stop working. The average retiree is in retirement for 20 years of their life. Plan ahead and familiarize yourself with how much you will need after factoring in Social Security and other sources of retirement income.

Take advantage of your employer’s retirement savings plans. While more and more companies are becoming less generous with retirement benefits, some still allow you to contribute to a 401(k) plan. If it’s offered, participate. There may even be a chance that your employer matches a percentage of your contribution. If your employer doesn’t offer a plan, consider investing in a traditional IRA or Roth IRA. You can put up to $5,000 a year into an Individual Retirement Account (IRA); you can also contribute even more if you are 50 or older.

Don’t stir the pot. Avoid touching your retirement savings if at all possible. If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

For more financial tips you can trust, visit www.bbb.org/us/bbb-news.

Avoid Unexpected Cell Phone Data Charges when Traveling this Summer

7/5/2011

Posted on 7/5/2011 by
Nowadays, cell phone users are surfing the web, receiving emails and watching movies all on their smartphone with just the click of a button from just about anywhere. However, when traveling abroad, many consumers fail to recognize that their data plan is constantly in use even when they think their phone isn’t. Better Business Bureau is advising consumers to either turn off their phone or make the necessary data arrangements with their cell phone provider to avoid thousands of dollars worth of data charges while traveling abroad this summer.

Last year alone, BBB received more than 27,000 complaints against the cell phone industry, some of which were from customers who were unaware that their data was still in use as they traveled outside of their coverage area or outside of the United States. One particular customer was charged more than $1,200 when his cell phone auto received his emails daily during a one week stay in Jamaica.

According to the Federal Communications Commission (FCC), “roaming” is the term that describes a wireless phone’s ability to make and receive calls outside the home calling area under your service plan. When your phone is roaming, an indicator light on your phone may display the word “roam.” On occasion, your handset will not display a roaming indicator, even though it is in a roaming area. Before traveling abroad or out of your coverage area, it’s important for consumers to be proactive and contact their provider for specific details regarding their individual data and roaming plan.

“While the international roaming charges may vary from provider to provider, many of the fees can come as a surprise to travelers,” said Jocile Ehrlich, BBB President. Contact your provider to clarify where you are covered and the data plans that can be purchased when traveling abroad.”

BBB advises consumers to do the following with their cell phone and cell phone provider in preparation for a trip abroad this summer:

Turn off your phone. If you don’t need your phone and don’t plan on using it while traveling abroad, turn it off. Some travelers opt for renting or buying international cell phones. Many rental plans offer services that work in several countries and may provide free incoming calls.

Contact your cell phone provider. Many cell phone users know not to make calls or send text messages while out of their coverage area or abroad, but many fail to realize that their data is in use even when they don’t think it is. For the occasional traveler, who doesn’t talk on the phone that frequently, it may be worth looking into an international add-on plan. Your cell phone carrier can provide specific tips that cater to the roaming needs of your individual cell phone and data plan.

Invest in a prepaid SIM card. For the frequent, chatty travelers, or long-term travelers, investing in a prepaid SIM card may be the best way to cut costs. With access to a local phone number, you’ll be able to make phone calls at the country’s local rate. Always check with BBB before choosing an international service provider. Many companies offer SIM cards that can be purchased and can include free incoming calls originating from anywhere in the world.

For more travel tips you can trust, visit www.bbb.org/us/bbb-news.

“Quick” Tips for Marketing With QR Codes

7/5/2011

Posted on 7/5/2011 by
Quick Response codes, or QR codes for short, are popping up everywhere these days. From magazine ads to store windows, QR codes are the fastest way to get your tech-savvy customer to your business’ website. BBB offers some “quick” tips for businesses considering implementing Quick Response (QR) codes for their business.

So what is a QR code, exactly? These 2 dimensional barcodes, which originate back to circa 1994, aren’t exactly new, but are now being used in fun, innovative, business savvy ways that are luring in customers from around the globe.

By simply downloading a QR reader app for free, a QR code can be read quickly by your smartphone. Think of a barcode that can store much more data than you can imagine. Now think of all the places you can put such a small branding – the possibilities are (almost) endless. A business can use a QR code to show information such as directions to their business, their company’s BBB Business Review or even a URL that the viewer can click to receive a coupon. You can even put a QR on your business card with a link in the QR that takes the recipient directly to your website. Or add a QR that contains your contact information making it easy to add that info to a cell phone.

“QR codes are a fun way to attract customers to your business’ website or promotion,” said Jocile Ehrlich, BBB President. “You can get creative by placing the QR code in your email signature, allowing the viewer to go directly to your website. Or you can even have the code contain contact information, making it easy for the viewer to add it to his or her own cell phone.”

So what are other ways to use the code? And are there any risks? BBB offers the following “quick” tips to businesses who are considering a QR code:

Where to display? Many businesses are turning to the windows of their store, paper advertisements, business cards, email signatures, shirts, mugs, ties and other products to display their businesses’ QR code. Some businesses are even using the codes for promotional contests allowing for a creative way to reveal the customer’s prize.

How do you generate your own QR code for free? Many sites offer a free QR generator that spits out an easily copied code that can be used as a template for all of your QR code needs.

Are there risks? Just like with any other website, you should never use a QR code that will link to a website that you don’t trust. Make sure that the website is reputable and that the QR code is found in a trustworthy place. Like any other malicious website, QR codes can potentially direct you to a harmful website that can ultimately lead to a virus infiltration on your smartphone.

For more consumer and business news you can trust, visit www.bbb.org/us/bbb-news.

Don’t Fall Victim to a Beauty Pageant that Could Break the Bank

7/5/2011

Posted on 7/5/2011 by
Many advertisements seeking beauty pageant participants read, “Win Big Prizes! Scholarships! Cash! Become the Next Supermodel!" These ads are appealing to parents of young children, teens and others who are convinced they have what it takes to become the next big star. Participating in a beauty pageant may provide a rewarding experience, but many would-be contestants find that some pageant promoters do not deliver what they promise. While there are legitimate pageants, there are also those - whose only purpose is to fatten the pockets of promoters.

In 2010, Better Business Bureau received nearly 10,000 inquiries from consumers about beauty pageant promotions. “Beauty pageants can carry big price tags,” said Jocile Ehrlich, BBB President. “Before finding yourself scammed out of thousands of dollars, it’s important to check out the pageant operator with BBB first.”

Before entering into a pageant, parents and others who want to get involved should consider the following questions:

How long has the company been operating pageants? Who are the directors? Usually pageants are operated by for-profit organizations that solicit participants by mail or print advertising, or by broadcast media, to compete for recognition and prizes from the promoter.

What is the total cost of pageant participation for both the entrant and the chaperone? Oftentimes, family or business sponsors are asked to pay a sponsorship fee, which can vary in size, to the pageant promoter to cover hotel rental fees, awards, administrative costs and salary for company personnel and to generate company profits. Also, keep in mind that there are other costs for entrants, such as clothing, make-up, food and lodging.

Can the location (place of business) of the pageant company be verified? Where and when will the actual pageant be held? What accommodations are provided for contestants? Will there be adequate supervision?

Do all of the details add up? Are there judges and what are their qualifications? Do they have any affiliation with the company? Are refunds possible if a contestant decides to withdraw from the pageant? How are the winners chosen? What criteria are used for selection? What are the obligations of the winning contestant? What do former contestants and winners have to say about the pageant? Ask the company for references. Finally, what benefit will be derived from participating or winning?

Do the winnings sound too good to be true? If so, they probably are. Be sure to read any contract carefully and thoroughly in advance of entering a pageant to understand the rights and responsibilities of the winner or other contestants.

For more consumer tips and news you can trust, visit www.bbb.org/us/bbb-news

Summer Months Bring Highest Rates of Burglaries – Is Your Home Secure?

7/5/2011

Posted on 7/5/2011 by
The summer months are the perfect time for a vacation getaway. Unfortunately, they are also the perfect time for a home robbery. According to the FBI, the summer months of July and August have the highest rates of burglaries. Better Business Bureau is advising homeowners, who are looking to secure their property this summer, to do their research when picking a home security system.

According to an Academic Study of Home and Business Security by Temple University, the Electronic Security Association (ESA) says that homes without security systems are about 3 times more likely to be broken into than homes with security systems. (Actual statistic ranges from 2.2 times to 3.1 times, depending on the value of the home.) Losses due to burglary average $400 less in residences with security systems than homes without alarm systems.

Although no system makes your home completely burglar-proof, a home security system can reduce your chances of being burglarized and give you some peace of mind. In 2010, BBB received nearly 25,000 inquiries from customers asking about burglar alarm systems.

“It’s important to investigate the purchase of a home security system with the same care you would any major purchase,” said Jocile Ehrlich, BBB President. “There are too many door-to-door salespeople selling home security systems out there that don’t always have your best interest at heart.”

BBB advises consumers to do the following when looking to invest in a home security system:

Choose a professional installer. The best home security system will accommodate your lifestyle and specific valuables you want protected. Carefully consider your security requirements and budget. You may also get recommendation from the insurance company that covers your home. Deal only with reputable firms and check out the company with BBB first.
Contact at least three companies before selecting an installer. Find out if they are properly licensed in your state and if they screen employees before hiring. Make sure to check with the ESA website for a list of member companies throughout the United States who have agreed to abide by the National Code of Ethics.

Ask about all charges up front. Prices for home security systems will vary, based on the level of protection and type of technology used, so be sure to compare apples-to-apples bids on similar systems. Do not forget to factor in the initial installation charge, as well as monthly monitoring charges. Also, talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.

Know the ins and outs of your contract. If your alarm system will be monitored, either by your installing company or by a third-party monitoring center, find out the length of the contract. Typically, monitoring contracts are between two to five years in length. What is your recourse if you are not satisfied with the services provided? Can you cancel the contract? What are your rights if your monitoring company is purchased or acquired by another alarm company? These are the types of questions you need to consider before you obligate yourself to a long-term contract.
Insist that the installer "walk" you through your system until you fully understand how it works. This will prevent the most common problem: false alarms. False alarms are an indicator of the quality of the alarm installation and user education. Ask for a complete inspection of your property and an itemized written estimate. Review the sales contract closely to ensure you understand exactly what equipment and protection you will be provided.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Michael Dawson at 513-639-9134.
For more home tips you can trust, visit www.bbb.org/us/bbb-news.

BBB Welcomes April Accredited Businesses and Charities

6/30/2011

Posted on 6/30/2011 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A
A Better Window Company
3550 Red Bank Road
Cincinnati, OH 45227
(513) 271-0773

Abel Associates, Inc.
3029 Allen Fork Road
Burlington, KY 41005
(859) 586-7939

Able Ready Construction, LLC
3954 Washington Avenue Suite 9
Cincinnati, OH 45211
(513) 353-3692

All Season Lawn Care
305 Washington Avenue
Cincinnati, OH 45217
(513) 200-7887

American Fire & Water Restoration
8979 Cincinnati Columbus Road
West Chester, OH 45069
(513) 779-4357

American Lab Service, Inc.
8515 Denallen Drive
Cincinnati, OH 45255
(513) 474-1492

Apex Irrigation
7166 Grantham Way
Cincinnati, OH 45230
(513) 232-1240

Armstrong Automotive
4601 Woodspur Road
Petersburg, KY 41080
(859) 586-5200

B
B & B Remodeling & Renovation LLC
3318 Bassett Road # 2
Cincinnati, OH 45205
(513) 544-6214

Background Bureau Inc.
2019 Alexandria Pike
Highland Heights, KY 41076
(859) 781-3400

Balestra, Harr & Scherer, CPAs, Inc.
204 Park Avenue
Ironton, OH 45638
528 S West Street
Piketon, OH 45661
800 Gallia Street National City Building 3rd Floor, Suite 705
Portsmouth, OH 45662
(740) 289-4131

Barron W. Hixon, DDS, LLC
444 Home Street
Georgetown, OH 45121
(937) 378-4848

Benham Industries
220 E US Highway 50
Versailles, IN 47042
(812) 689-3200

Bent, LLC
422 W 7th Street
Covington, KY 41011
(859) 360-1280

Bernecker's Shingle Clean & Gutter Guard
10486 Deer Trail Drive
Harrison, OH 45030
(513) 738-7003

Big Bear Childcare, Inc.
525 B W Plane Street
Bethel, OH 45106
(513) 734-6000

Billy Chapman Motors, Inc.
1636 State Route 28
Loveland, OH 45140
(513) 575-9100

Bio-3 Environmental Services, LLC
1725 Stubbs Mill Road
Lebanon, OH 45036
(513) 281-1941

C
Cardinal Home Health Care Solutions, Inc.
4777 Red Bank Expressway Suite 1
Cincinnati, OH 45227
(513) 271-6700

Caudill & Associates CPAs
725 5th Street
Portsmouth, OH 45662
(740) 353-5171

Charles Gray Construction, LLC
225 Poplar Street
Lawrenceburg, IN 47025
(812) 537-9523

Cincinnati Nature Center
4949 Tealtown Road
Milford, OH 45150
6926 Gaynor Road
Goshen, OH 45122
(513) 831-1711

Cinema Sounds, LLC
7112 Pippin Road Suite A
Cincinnati, OH 45239
(514) 489-8008

Cleaner Carpet & Janitorial, Inc.
11385 Landan Lane
Cincinnati, OH 45246
(513) 469-2070

Commercial & Industrial Electric Services Inc.
3605 Lipscomb Road
Covington, KY 41015
(859) 356-7200

Community Auto Service, Inc.
4500 Dixie Highway
Erlanger, KY 41018
(859) 342-6224

Creative Consortium, Inc.
3029 Allen Fork Drive
Burlington, KY 41005
(859) 586-7939

Creative Dimensions
10445 Jason's Bluff
Florence, KY 41042
(859) 240-4117

E
Eastgate Adventures
3232 Omni Drive
Cincinnati, OH 45245
(513) 753-8000

Eastside Construction Plus, LLC
1015 Cobra Road PO Box 314
New Richmond, OH 45157
(513) 553-9300

Economics Center for Education and Research
90 W Daniels Street
Cincinnati, OH 45219
(513) 556-2948

Edge Transportation, Inc.
1589 Production Drive Suite A
Burlington, KY 41005
(859) 647-3343

EveryonesIT LLC
3441 Lapland Drive
Cincinnati, OH 45239
(513) 659-6788

Executive Car Detailing
2050 S Erie Blvd.
Hamilton, OH 45013
(513) 894-7200

F
F & S Hydraulics, Inc.
6071 Branch Hill-Guinea Pike
Milford, OH 45150
(513) 575-1600

Fette's Auto Body, Inc.
12683 N Dearborn Road
Sunman, IN 47041
(812) 623-4014

Five Star Painting
1295 Brookstone Drive
Walton, KY 41094
(859) 290-2423

Forest Hills Painting
3430 Drake Street
Cincinnati, OH 45244
(513) 515-0022

G
Gardens Plus LLC
6715 Sampson Lane
Cincinnati, OH 45236
(513) 984-2690

GEG Painting, Inc.
8533 Wexford Avenue
Cincinnati, OH 45236
(513) 984-0109

Graybach, LLC
4118 Millies Court
Cincinnati, OH 45247
(513) 919-6226

Graydon Construction, LLC
528 Missouri Avenue
Cincinnati, OH 45226
(513) 315-1967

H
Hawg Heaven The Bike Shop of Cincinnati, LLC
351 Pedretti Avenue
Cincinnati, OH 45238
(513) 451-4294

Heggood's Tree Care Service
40 Red Bud Circle
Amelia, OH 45102
(513) 349-5714

Holcim US Inc.
3720 Southside Avenue
Cincinnati, OH 45204
(513) 251-5668

Hops Technology Incorporated
4555 Lake Forest Drive 650 Westlake Center
Cincinnati, OH 45242
(513) 588-2808

I
Images by Daniel Michael, Inc.
10816 Millington Court Suite 116
Cincinnati, OH 45242
(513) 759-6760

Integrity Express Logistics, LLC
8610 Ptarmigan Court
West Chester, OH 45069
(513) 342-4315

Intelligent Products, Inc.
10000 Lower River Road
Rabbit Hash, KY 41005
(859) 689-7200

IVA Research LLC
948 Old State Route 74 Suite 1
Cincinnati, OH 45245
(513) 752-6555

J
JAS Concrete & Construction
3915 Hopper Hill Road
Cincinnati, OH 45255
(513) 258-3774

Jim Eckhoff Plumbing, Inc.
2942 Jonrose Avenue
Cincinnati, OH 45239
(513) 923-1234

Josh Tirey Roofing
108 Lakeview Drive
Middletown, OH 45044
(513) 874-7721

L
Larry McFarland Auto Repair & Wrecker Service
29747 State Route 741
Peebles, OH 45660
(937) 587-2060

Lat-O-Snacks
PO Box 40586
Cincinnati , OH 45240
(513) 508-9604

Latco Transmission Inc.
3031 Madison Avenue
Covington, KY 41015
(859) 491-1919

Lawrence J. Heppner DDS, Inc.
7200 Paddison Road
Cincinnati, OH 45230
(513) 232-2654

Leslie F. Thomas Co. LPA
1420 E McMillan Street Suite 2
Cincinnati, OH 45206
(513) 221-0007

Limes & Riffle LLC
8595 Beechmont Avenue Suite 300
Cincinnati, OH 45255
(513) 474-7550

M
M & S Delicious Catering
1086 W North Bend Road
Cincinnati, OH 45224
(513) 681-2221

MarketForce
100 Crisler Avenue Suite 204
Fort Mitchell, KY 41017
(859) 578-0999

Mills Security Alarm Systems, Inc.
490 Mount Hope Avenue
Cincinnati, OH 45204
PO Box 1500
Cincinnati, OH 45205
(800) 545-7233

MK Enterprises
5070 Winton Road
Fairfield, OH 45014
(513) 520-2707

Moore Insulation Distributors
220 E US Highway 50
Versailles, IN 47042
(812) 689-3200

My Maid Inc.
7711 Five Mile Road
Cincinnati, OH 45230
(513) 232-6243

N
Noland Remodeling & Lawn Care, LLC
3839 S Broadlawn Circle
Cincinnati, OH 45236
(513) 310-9265

Northern Kentucky Machine Tool, Inc.
370 Union Street
Bellevue, KY 41073
(859) 448-9333

O
O'Leary Concrete Company, LLC
5397 Sugar Camp Road
Milford, OH 45150
(513) 312-0305

OKI Property Management Group, Inc.
4484 Harrison Avenue
Cincinnati, OH 45211
(513) 258-2550

Out of Control Wildlife, LLC
10906 Pleasant Ridge Road
Alexandria, KY 41001
(859) 635-0037

P
Paradise Properties & Plumbing, LLC
12120 Deerhorn Drive
Cincinnati, OH 45240
(513) 886-5569

Pawsitively Purrferred
1027 Timber Trail
Cincinnati, OH 45224
(513) 252-8507

Pic's Produce, Inc.
4756 Paddock Road
Cincinnati, OH 45229
(513) 381-1239

Porter Firearms
925 1/2 Center Street
Wheelersburg, OH 45694
(740) 574-8185

PRD Tech, Inc.
1776 Mentor Avenue Suite 107
Cincinnati, OH 45212
(513) 731-1800

Premier Office Park
644 Linn Street Suite 1234
Cincinnati, OH 45203
(513) 381-8128

R
Re-Sash Window & Siding Company, Inc.
6963 Millikin Road
Libery Township, OH 45044
(513) 777-4200

Rebuild Home Renewal, LLC
1227 Blanchard Avenue
Cincinnati, OH 45205
(513) 200-4131

Red Bank Towing
3125 Van Buren Avenue
Cincinnati, OH 45229
(513) 259-4442

Research Associates, Inc.
1814 Kingsway Court
Cincinnati, OH 45230
(513) 233-2241

Revolution Property LLC
2147 Central Avenue
Cincinnati, OH 45214
(513) 381-2020

RG Lawn Care
3838 Fulton Grove Road
Cincinnati, OH 45245
(513) 943-0922

Richard Lewis HVAC Inc.
14867 State Route 125
West Union, OH 45693
(937) 544-5045

RLE Construction, Inc.
4050 Executive Park Drive Suite 230
Cincinnati, OH 45241
(513) 563-9333

Ron's Cab Inc.
2299 Quebec Road
Cincinnati, OH 45214
(513) 921-4222

Royalty Roofing
6740 Glenway Avenue
Cincinnati, OH 45211
(513) 791-8392

RWB Properties & Construction, LLC
954 North Bend Road
Cincinnati, OH 45224
(513) 541-0900

S
S & E Construction, LLC
9716 E Bend Road
Burlington, KY 41005
(859) 586-7898

S. Russell Damron, DMD
118 W Fifth Street
Covington, KY 41011
(859) 261-6116

Schulz & Sons Jewelers Inc.
2202 Dixie Highway
Fort Mitchell, KY 41017
(859) 331-2888

Seal It Blacktop & Sealing Co.
PO Box 922
Cincinnati, OH 45150
(513) 528-0777

Seibert Lawn Care & Maintenance
12000 Indiana Street
College Corner, OH 45003
(513) 839-0471

Selection Management Systems, Inc.
155 Tri County Parkway Suite 150
Cincinnati, OH 45246
(513) 522-8764

Shawn M. Stepleton Attorney at Law
2114 Madison Road Suite 200
Cincinnati, OH 45208
(513) 321-7733

Shawnee Homes Custom Building & Remodeling, Inc.
528 Shade Road
Cincinnati, OH 45255

Sigma Capital Inc.
7560 Reinhold Drive
Cincinnati, OH 45237
(513) 531-4488

Simply Floors, LLC
7584 Voice of America Centre Drive
West Chester, OH 45069
(513) 342-1181

Sleepmakers Mattress Outlet
10917 County Road 1
Chesapeake, OH 45619
(740) 867-4382

Steve's Automotive Repair, Inc.
5971 Taylor Mill Road
Covington, KY 41017
(859) 356-3000

Suffield Orthodontics
7438 Montgomery Road
Cincinnati, OH 45236
(513) 891-4324

Summit Fire Apparatus
11 Sperti Drive
Edgewood, KY 41017
(859) 331-0360

Swatches Inc.
11926 Montgomery Road
Cincinnati, OH 45249
(513) 683-5400

Systems Insight, Inc.
514 Madison Avenue Suite 200
Covington, KY 41011
(859) 291-9026

T
Taxmasters
3934 State Route 7
Chesapeake, OH 45619
(740) 867-8333

The Tanning Hut Oakley, LLC
3096 Madison Road
Cincinnati, OH 45209
(513) 533-9333

Thomas Cahill Plumbing Company Inc.
4478 W 8th Street
Cincinnati, OH 45238
(513) 241-2161

TK Adams, LLC
73 Cavalier Blvd. Suite 105
Florence, KY 41042
(859) 363-1650

Tony Lane Automotive
519 Ash Street
Elsmere, KY 41018
(859) 360-5532

Tri State Pest Management, LTD
71 Powhatton Drive
Milford, OH 45150
(513) 965-8222

Tri-State Visual Products, Inc.
2345 Quebec Road
Cincinnati, OH 45214
(513) 471-7111

Triple M Gutters
10173 Oakwood Road
Winchester, OH 45697
(937) 386-3184

Troyke Manufacturing Company
11294 Orchard Street
Cincinnati, OH 45241
(513) 769-4242

U
UNITS Mobile Storage of Cincinnati
4670 Paddock Road
Cincinnati, OH 45229
(513) 242-8648

US Flooring Sources, Inc.
9585 Fields Ertel Road
Loveland, OH 45140
(513) 683-0499

V
V & V General Contractors, Inc.
3011 Clifton Avenue
Cincinnati, OH 45220
(513) 961-3253

Valentine Research, Inc.
10280 Alliance Road
Cincinnati, OH 45242
(513) 984-8900

Verge Consulting, Inc.
3438 Edwards Road 2nd Floor
Cincinnati, OH 45208
(513) 321-4420

Y
Yoseikan Anderson Karate School
7762 Beechmont Avenue Suites A & D
Cincinnati, OH 45255
(513) 232-1035

U.S. Department of Transportation and Better Business Bureau Collaborate to Fight Distracted Driving

6/17/2011

Posted on 6/17/2011 by

U.S. Transportation Secretary Ray LaHood today announced that the U.S. Department of Transportation and Better Business Bureau will collaborate to educate consumers and businesses about the dangers of distracted driving.

The USDOT and Better Business Bureau are calling on businesses across the country to adopt distracted driving policies as part of their employee culture. A strong distracted driving policy helps companies save lives, reduce time lost from work due to accidents and injuries, reduce insurance premiums, and save money.

“Distracted driving has become a deadly epidemic on America’s roads,” Secretary LaHood said. “We know that educating people about the risk of distracted driving works, and we are pleased to be working with BBB to raise awareness and help businesses and consumers fight this problem.”

“BBB is very pleased to help the USDOT spread the word about the dangers of distracted driving," said Jocile Ehrlich, BBB President. "Raising awareness about the dangers of multi-tasking while driving is vital. We are pleased to help promote this good work of the USDOT.”

The national website of the Better Business Bureau will feature a link to a free tool kit that provides employers with suggested distracted driving policies to help keep their employees safe. The kit, created by the USDOT and the Network of Employers for Traffic Safety (NETS), contains materials such as a sample company policy, a sample memo to employees on that policy, and a sample company press release.

In addition, Better Business Bureau’s national website will feature videos from USDOT’s “Faces of Distracted Driving” video series. The videos include heartbreaking stories from family members who have lost loved ones due to distracted driving accidents. Better Business Bureau will also provide a link to www.distraction.gov, a complete resource on everything having to do with distracted driving.

Nearly 5,500 people in the U.S. were killed and almost half a million were injured in accidents related to distracted driving in 2009. Eighteen percent of those fatal accidents involved the use of a cell phone.

The U.S. Department of Transportation’s campaign against distracted driving is a multi-modal effort that includes automobiles, trains, planes, and commercial vehicles.

On September 30, 2009, President Obama signed an Executive Order directing federal employees not to engage in text messaging while driving government-owned vehicles; when using electronic equipment supplied by the government while driving; or while driving privately owned vehicles when they’re on official government business. The order also encourages federal contractors and others doing business with the government to adopt and enforce their own policies banning texting while driving on the job.

The Federal Motor Carrier Safety Administration (FMCSA) banned commercial truck and bus drivers from texting while driving in September 2010, and proposed a ban on the use of cell phones by commercial drivers in December 2010. In September 2010, the Pipeline and Hazardous Materials Safety Administration (PHMSA) proposed a ban on the use of electronic devices by drivers operating a motor vehicle containing hazardous materials, in conjunction with the proposed FMCSA ban.

The Federal Railroad Administration (FRA) banned rail employees from using cell phones or other electronic devices on the job following a September 2008 Metrolink crash in Chatsworth, California that killed 25 people.

After a Northwest flight crew distracted by a laptop overshot their destination by 150 miles, the Federal Aviation Administration (FAA) advised air carriers to create and enforce policies that limit distractions in the cockpit and keep pilots focused on transporting passengers safely.

For more information, contact Michael Dawson at 513-639-9134 or mdwson@cincinnati.bbb.org

About BBB

As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org for more information.

Cox Diploma Program – A Diploma Mill?

6/6/2011

Posted on 6/6/2011 by

Cox Diploma Program has stated to BBB that they are an alternative school, providing home-based education for adults ages sixteen and up. However, BBB was shocked to find students were required to do little or no high school-level coursework to get a diploma. Instead, students were only required to pay $50 and pass a take-home exam consisting of 58 questions.

Students are led to believe that a diploma from Cox Diploma Program will qualify for admission at several local colleges and universities; however students tell us the diploma is rejected when the students apply for college.

Some consumers report that they requested refunds on this basis but the business denied their requests. Complaints against this business are pending while BBB awaits a response.

A Cincinnati woman, who took the exam, says that the test offered by Cox Diploma Program doesn’t measure high school-level coursework. Some exam questions are either exceptionally easy for a high school student to answer, or are so poorly written that they are almost impossible to answer. For instance, in the math section, students are asked to “Multiply your 4’s and then taking each answer buy the power of 6”.

Students are given 45 days to complete the exam. If the student fails to pass the exam, the student may re-take an equivalent test for an additional $25 fee. Students are also charged $20 fees for transcripts.

Cox Diploma Program specifically names several local colleges and institutions on their exam materials, implying that the diploma will be accepted there.

Fortis College, Devry University, ITT Technical Institute, Southern State Community College, Mount St Joseph, Eastern Kentucky University, Cincinnati State, Gateway Community and Technical College, School of Medical Message, and all branches of the military.

BBB asked the business to provide evidence that the diploma has been accepted by these institutions, as their exam implies; however as of today the business has not provided this information.

BBB has asked the owner and teacher, June Cox if the school is accredited by any academic institution. The business states in their advertising that they are “listed with the National Education Association or NEA”. BBB finds the advertising to be misleading. Not only is Cox Diploma Program not listed with the NEA, but the NEA is a labor union, not an academic accrediting body.

The Ohio Department of Education advises consumers if they have reason to believe a school misrepresented itself or failed to deliver the product or service, consumers can file a complaint with the Ohio Attorney General's office. The link to the online consumer complaint form can be found at http://www.ohioattorneygeneral.gov/SpeakOutOhio/File-a-complaint.

For more BBB information about Diploma Mills:

FTC - Diploma Mills: Degrees of Deception

Want to Earn Your Diploma? What To Know About “Diploma Mills”

BBB Welcomes May Accredited Businesses

6/2/2011

Posted on 6/2/2011 by

25thHour Associates LLC

934 Weninger Circle

Cincinnati, OH 45203

(513) 531-3700

AJ'sTree Service
7382 Butler Warren Road

Mason, OH 45040

(513) 344-3485

AllCleneLLC

961 North Lawn Avenue

Hamilton, OH 45013

(513) 863-9254

AnytimeAppliance Repair LLC

2860 Byrneside Drive

Cincinnati, OH 45239

(513) 335-8246

ArcoConstruction

876 Lebanon Street Suite B

Monroe, OH 45050

(513) 227-2786

BehymerConstruction & Drywall

2088 Richland Lane

Alexandria, KY 41001

(859) 635-1700

BluePrint Apparel, LLC

100 Security Drive

Fairfield, OH 45014

(513) 328-8187

BuildingBlock Early Learning Center, Inc.

706 Lytle Avenue

Elsmere, KY 41018

(859) 342-7189

CathyR. Cook, Attorney at Law

114 E Eighth Street

Cincinnati, OH 45202

(513) 241-4029

CDPeters Trucking

4 North Huntersville Road

Batesville, IN 47006

(812) 934-6000

CertificationResource Institute

526 West Main Street

Mason, OH 45040

(513) 680-0520

ClassicalGlass

1333 Main Street

Cincinnati, OH 45210

(513) 381-4334

CliftonHousing

3404 Manor Hill Drive

Cincinnati, OH 45220

(513) 861-5426

CommercialCleaning Solutions, Inc.

10965 State Route 138

Greenfield, OH 45123

(937) 981-4870

CommunitySiding Company

11523 Fitchburg Lane

Cincinnati, OH 45240

(513) 885-4300

CrystalClear Detail

6410 Madison Road

Cincinnati, OH 45227

(513) 272-2300

Curley'sPainting

26 Southview Avenue

Fort Thomas, KY 41075

(859) 466-6061

DaleyTech,LLC

4421 Roosevelt Blvd Suite L

Middletown, OH 45044

(513) 217-7518

DBProperty Maintenance
4138 Lansdowne Avenue

Cincinnati, OH 45263

(513) 206-2814

DCLandscape & Tree Service

1160 Adams Street

Cincinnati, OH 45215

(513) 203-1729

DeborahK. Brown Gaines Attorney at Law

7030 Reading Road Suite 450

Cincinnati, OH 45237

(513) 924-9800

DePavoSilk Screening, Inc.

9840 Harwood Court

Fairfield, OH 45014

(513) 874-4838

DJJulie Jamison

1233 Shawnee Run Drive

Maineville, OH 45039

(513) 385-5226

Drysdale& Associates Inc.

PO Box 44055

Cincinnati, OH 45244

(513) 831-9625

EagleProfessional Solutions LLC

637 Ohio Pike Suite F

Cincinnati, OH 45245

(513) 262-4751

EichenlaubEnterprises, LLC

6890 Rocky Fork Road

Otway, OH 45657

(740) 372-2571

EmeryBuilders, LLC

8256 Millikin Road

Middletown, OH 45044

(513) 535-1305

EngleParalegal Services LLC

637 Ohio Pike Suite F

Cincinnati, OH 45245

(513) 753-0163

EnvoiDesign, Inc.

1332 Main Street

Cincinnati, OH 45202

(513) 651-4229

Ernst& Associates Attorneys

11 South Broadway Street Suite 200

Lebanon, OH 45036

(513) 932-2214

ESJCarrier Corporation

8525 North Gilmore Road

Fairfield, OH 45014

(513) 728-7388

EverydayHomecare

711 South High Street

Mount Orab, OH 45154

8766 State Route 62

Hillsboro, OH 45733

West Union Airport

Winchester, OH 45697

(937) 444-1672

Excellenceby Nature, LLC

9250 Brookfield Court Suite 400

Florence, KY 41042

(859) 283-1130

ExclusiveImports of Ohio, LLC
12063 Montgomery Road

Cincinnati, OH 45249

(513) 583-0777

FacilitiesMaintenance Service

153 Raintree Road

Florence, KY 41042

(859) 647-2298

Foster-HayworthDay Care

117 Woolper Avenue

Cincinnati, OH 45220

(513) 751-1215

GravelTech USA LLC

4005 Foster Maineville

Morrow, OH 45152

(513) 703-3672

HebronBrew Haus LLC

2030 Northside Drive

Hebron, KY 41048

(859) 534-5600

HeyobMowing

4607 Bottom Lane

Hillsboro, OH 45133

(937) 393-2796

HolseyGeneral Contracting

2911 Eden Avenue

Cincinnati, OH 45219

(513) 751-2082

HomeEnergy Services, LTD

19366 Alpine Drive

Lawrenceburg, IN 47025

(513) 615-1427

ImagineThat! Decor, Inc.

673 Brandtly Ridge Drive

Covington, KY 41015

(859) 363-8868

JetAbout Travel

7747 Fancycab Court

Cincinnati, OH 45231

(513) 521-5701

JohnDsuban Spring Service, Inc.

4830 Duff Drive

Cincinnati, OH 45246

(513) 860-1200

JTSLawncare, LLC

923 Don Victor Drive

Independence, KY 41051

(859) 816-0442

K& P Excavating LLC

8030 Beech Avenue

Cincinnati, OH 45236

(513) 793-1308

KeepIt Simple Construction

1018 Sisk Avenue

Cincinnati, OH 45205

(513) 255-6776

KellHeating & Air Conditioning

2054 US Highway 62

Winchester, OH 45697

(937) 442-5635

LBConstruction & Associates LLC

57 Sutton Lane

Cincinnati, OH 45230

(513) 625-8223

LibertyAir Technicians LTD

11276 County Road 1

Chesapeake, OH 45619

(740) 867-4755

LighthouseMassage Therapy

3476 Irwin Simpson Road Ste 111

Mason, OH 45040

(513) 543-1716

LiquidNation

PO Box 17003

Ft Mitchell, KY 41017

(859) 341-5678

LivingSpaces by NLG Designs, LLC

6717 Sherbourne Court

Mason, OH 45040

(513) 403-5260

LuckyPaws, LLC

525 West 5th Street Suite 219

Covington, KY 41011

(888) 777-2065

Lyons& Lyons Co., LPA

8310 Princeton Glendale Road

West Chester, OH 45069

(513) 777-2222

MagnaDry of Greater Cincinnati

10080 Commerce Park Drive

Cincinnati, OH 45246

(513) 874-3310

MedBillSolutions, LLC

2396 Bascom Corner Road

Rising Sun, IN 47040

(888) 663-8006

MGTech Support, Inc.

PO Box 18249

Cincinnati, OH 45218

(513) 851-0441

MichaelR. Draznik, MD

2055 Reading Road Suite 480

Cincinnati, OH 45202

(513) 579-0707

MicheleBell Painting

884 Garver Road

Middletown, OH 45044

(513) 464-3934

MicroMaids Cleaning Service

810 Matson Place Suite 1106

Cincinnati, OH 45204

(859) 992-7661

MoreThan Decks, LLC

8141 Sagamore Drive

Cincinnati, OH 45236

(513) 623-9359

MVNConstruction, LLC

4222 Lighthouse Lane

West Chester, OH 45069

(513) 226-0174

NoremRenovations

300 North South Street Suite 60

New Vienna, OH 45159

(888) 780-9161

ParamountFitness Center

5130 Crookshank Road

Cincinnati, OH 45238

(513) 451-6509

PerfectionHandyman Services, Inc.

9967 Old Union Road

Union, KY 41091

(859) 525-8560

PersnicketyCleaning Company, LLC

10921 Reed Hartman Highway

Cincinnati, OH 45242

(513) 455-0051

PortableAir Rentals

201 High Street Suite 211

Hamilton, OH 45011

(513) 473-6326

PremierEntertainment

6010 Melody Lane

Milford, OH 45150

(513) 628-2937

PuppyPrep School

1408 Apjones Street

Cincinnati, OH 45223

(513) 541-4217

Rider'sAutomotive, LLC

10053 Dixie Highway

Florence, KY 41042

(859) 371-1090

RiversideInn

515 Eads Parkway East US 50

Lawrenceburg, IN 47025

(812) 537-4441

RosewoodMasonry, LLC

1105 Courtland Drive

Batavia, OH 45103

(513) 646-9670

RTFCarpentry

454 Sunaire Terrace

Cincinnati, OH 45238

(513) 607-5926

Shades

4960 Mulhauser Road

Fairfield, OH 45011

(513) 874-8468

ShowcaseBuilding & Design, Inc.

5917 Jordan Court

Cincinnati, OH 45227

(513) 200-4769

SiemensFossil Services Inc.

3504 Lake Lynda Drive

Orlando, FL 32817

(407) 736-1311

SiemensGenerations Service Company

3501 Quadrangle Blvd

Orlando, FL 32817

(407) 736-5050

SilverMemories Health Care LLC

6996 South US Highway 421

Versailles, IN 47042

(812) 689-6222

SolinskyServices

5976 Belfast Road

Goshen, OH 45122

(513) 805-3391

StayPut Access, LLC

7527 Burton Drive

Liberty Township, OH 45044

(513) 444-3423

Stone'sFine Wood Service

905 Nueway Drive

Lebanon, OH 45036

(513) 934-1160

Tarmacof Milford, LLC

PO Box 401

Milford, OH 45150

(513) 831-0001

TaylorsPerformance Center, LLC

211 South Riverside Drive

Hamilton, OH 45011

(513) 895-1937

TerryEnterprises

1388 Biloxi Drive

Cincinnati, OH 45231

(513) 884-5006

TheLearning Place Country Day School

104 Frank Batsche Way

Mason, OH 45040

(513) 398-5313

TheMaids of Butler and Warren County

7216 Towne Centre Drive

West Chester, OH 45069

(513) 858-3700

TimmyMiller Construction

3802 West Liberty Street

Cincinnati, OH 45205

(513) 607-9333

TreemarkTree and Landscape

5121 Romohr Road

Cincinnati, OH 45244

(513) 232-3568

Tri-StateExteriors

PO Box 12623

Cincinnati, OH 45212

(513) 266-7540

TWTelecom Holdings, Inc.

8630 Jacquemin Drive

West Chester, OH 45069

(513) 644-8940

UnlimitedContracting, LLC

6319 Springmeyer Drive

Cincinnati, OH 45248

(513) 678-0205

VogueRenovations of Ohio, LLC

7527 Burton Drive

Liberty Township, OH 45044

(513) 229-8864

Weber'sGreenhouse

701 North Meridian Street

Sunman, IN 47041

(812) 623-3616

WillPower Tumbling

5 Commerce Drive

Gallipolis, OH 45631

(740) 441-1570

Cox Diploma Program – A Diploma Mill?

6/2/2011

Posted on 6/2/2011 by Janice Clemente

Some consumers report that they requested refunds on this basis but the business denied their requests. Complaints against this business are pending while BBB awaits a response.

Cox Diploma Program specifically names several local colleges and institutions on their exam materials, implying that the diploma will be accepted there.

BBB asked the business to provide evidence that the diploma has been accepted by these institutions, as their exam implies; however as of today the business has not provided this information.

For more BBB information about Diploma Mills:

FTC - Diploma Mills: Degrees of Deception

Want to Earn Your Diploma? What To Know About “Diploma Mills”

Building a Facebook Presence That Works to Your Business' Benefit

6/1/2011

Posted on 6/1/2011 by
Social media has become a dominating force in the eyes of today’s consumer. From YouTube to Facebook, consumers are turning to social media sites now more than ever to get more deeply connected to a business. Better Business Bureau is advising businesses to use their Facebook presence to their advantage.

A Facebook page can serve as an eye catching way to lure in potential customers – if used correctly. Making sure that your website is up-to-date and fresh is the first step to having a solid, successful Facebook page. Don’t make the mistake of having your Facebook page serve as your only online presence. An eye catching Facebook page is a great way to complement your business’ website.

According to Human Business Works, 60% of U.S. businesses are not online in any fashion — a huge mistake in an age where most people rely heavily on search engines to find information about businesses. Investing the time and creative brain power behind your website serves as a great landing page for your Facebook link. As many have found, Facebook serves as a great way to build your fans and overall constituency and it’s important that your page’s messaging speaks volumes about the effectiveness of your business and its brand.

“Businesses can gain great insight about their consumers through their Facebook page. Looking at their responses and involvement on their page is a great indicator of the depth and to what degree they are reaching their audiences,” said Jocile Ehrlich, BBB President. “Special graphics and applications aren’t a must, but could be considered to add a nice spice and to set the page apart from others in the business.”

BBB recommends the following to small businesses that are looking to grow their Facebook presence:

Keep your page fresh, lively and interactive. When posting to Facebook make sure to keep your audience in mind. What would they like to know and what do they need to know? Are you offering any special deals, rewards or promotions? All comments should be kept positive and sincere. Consider polling your audience with a question of the day or week to keep them engaged and feeling valued.

A picture (and video) is worth a thousand words. Make sure to keep the communication light and avoid talking at your audience. Try mixing it up by adding pictures and videos with fun,telling captions to reel in your audience.

Spread the love. By becoming fans and “liking” your business partners, vendors and sponsors, you can not only grow your own constituency, but gain more eyes on your work.

Share the wealth of knowledge. Informative postings that are in-line with your business are a great way to show your followers that you are up-to-date and keeping with the trends of the industry.

For more tips on keeping your business successful, visit www.bbb.org/us/bbb-news.

Proceed with Caution before Investing in Technology Buy-Back Programs

6/1/2011

Posted on 6/1/2011 by
Today’s technology is constantly being replaced with updated models that showcase newer, cooler features. To keep up with the latest technology, many consumers are tempted by the increasing number of retailer buy-back programs. Better Business Bureau advises consumers to weigh the pros and cons of the program before parting with their money.

Typical programs come in the form of a one-time fee that is acquired at the time of the original gadget purchase. To avoid falling short of the latest technology, many consumers opt-in to a buy-back program to ensure that their gadget doesn’t fall victim to digital dust. As long as your gadget is in good condition, many buy-back programs allow you to trade-up items such as your cell phone, laptop, tablet, and television for a percentage of its current value. Usually, this credit will come in the form of a gift card that can be used toward the purchase of a newer model.

“If you are an individual that likes to say on top of the latest and greatest technology, then a buy-back program may be for you,” said Jocile Ehrlich, BBB President. “But, as with anything else, you will need to do your research to find out if the program is worth the cost.”

BBB recommends that consumers weigh the pros and cons before participating in a retailer’s buy-back program:

Buy-back programs can provide a sense of insurance on your product. Buy-back programs essentially guarantee a resale value, meaning they act as insurance against loss of value. But like any insurance policy, its true value can become nominal and hard to define. Before becoming a member of a buy-back program, make sure to read the fine print. Many buy-back options have conditions and constraints that could ultimately keep you from being able to sell back your used gadget.

Remember that the interest of the retailer is usually at heart. In exchange for your old gadget, your return will come back in the form of a gift card more times than not .The plan and gift card mean you are locked into using the issuing retailer for your next technology purchase. Not to mention, that you may end up paying triple the sales tax when all exchanges are said and done. While sales tax rules vary from state to state and buy-back programs vary from program to program, you are the one responsible for paying the tax. By paying the tax once when you buy the gadget and again when you return it, and then again when you use the gift card, you could end up paying triple the tax in the end.

Gadget-buy backs are not ideal for the forgetful or the disorganized. If you haven’t saved your original receipts, power cords and manuals, you could be at a loss or your payout could be less than expected. Most buy-back programs insist that the original items be brought back to the store at the time of the exchange.

Mobile phone contracts are not covered. When you purchase a new phone and add the retailer’s buy-back program, you can resell your phone back to the retailer for the agreed upon dollar amount. But, keep in mind that even when you sell your phone back to the retailer, your cell phone provider will keep billing you for the duration of your contract.

You can compromise your identity. Before selling your electronics back to the retailer take care of your personal data. Many electronic items such as your smartphone or laptop can hold a ton of personal information. If this information gets into the wrong hands, your identity could be compromised. Be sure to fully wipe out all personal data.

You could get more for your electronic gadgets elsewhere. Reselling electronics is not new. Many consumers use sites like eBay and Craigslist to sell their gadgets. In most instances you could get more for your electronics by using these sites than opting for a retailer’s buy-back program.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news

Avoid Wedding Scams this Spring

6/1/2011

Posted on 6/1/2011 by
This spring, love is in the air as many soon-to-be brides prepare for their long-awaited wedding day. With excitement and nervousness every bride deserves to have their big day go off without a hitch. When preparing for the day of your dreams, BBB advises brides to proceed with caution when it comes to buying a wedding dress online, choosing a photographer and selecting a wedding planner.

Doing your research and asking for referrals can make all the difference in helping your special day go as smoothly as possible. Last year alone, BBB received more than 970 complaints against wedding related services. Services like wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists, and jewelers all topped the list. Many of the common complaints were centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

From choosing a florist to picking out the perfect wedding gown, more and more soon-to-be brides are opting for online retailers. While most venues have the brides’ best interest at heart, it’s important to recognize the red flags before shelling out the cash.

“With today’s wedding averaging around more than $28,000, there’s not a penny left to gamble on unreliable venders,” said Jocile Ehrlich, BBB President. “Before securing your wedding services and paying any upfront fees it’s important for all newlyweds to do their research.”

BBB recommends that newlyweds consider the following when planning for their special day:

Research all online vendors. When choosing to go with an online retailer for your wedding services or products start with a trusted site rather than shopping with a search engine. Search results can often lead you to unscrupulous websites or phishing scams. Also, look for the BBB seal and other widely-recognized “trustmarks” on retail websites. Click on the seals to confirm they’re valid. Confirm that your online purchase is secure. Look for the “s” after “http” in the URL or the lock symbol in the lower right-hand corner of the screen. Be sure to check the company out with BBB before doing business with them.

Review all terms and conditions. Whether you’re dealing with a company online or in-person, review all terms and conditions carefully. What is the company’s refund and exchange policy? What is their cancellation policy? What happens if the company can’t hold up their end of the bargain? Who will perform the service on your special day? Be sure you understand your rights as a consumer before doing business with the company.

Keep documentation of your order. For online orders, save a copy of the confirmation page or e-mails confirming the order until you receive the item or service and are satisfied. If you’re dealing with a company face-to-face, be sure to get all details in writing, including specific dates, products, prices, cancellation and deposit policies and signatures from both parties.

Pay with a credit card. Credit cards offer consumers the added protection of disputing any charge over $50 within 60 days of the purchase. Most established businesses accept major credit cards, so use them whenever possible, including payment for deposits Shoppers also have dispute rights if there are unauthorized charges on the card, and many card issuers have “zero liability” policies if someone steals your card number and uses it. Never wire money.

Consider purchasing wedding insurance. Wedding insurance can cover a range of prospective problems including vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. Many policies start at $200 and can potentially save you thousands of dollars.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

Securing Your Child’s Identity: Advice That Every Parent Needs to Know

6/1/2011

Posted on 6/1/2011 by
Hundreds of online businesses are finding inactive Social Security numbers online –most of which are assigned to children under the age of 18 who have not started using them yet - and selling them under different names to help people establish fake credit. The scheme may lead to significant debts for children that might be almost impossible to pay off. Better Business Bureau is warning parents to be on the lookout for the signs that point to their child’s identity being compromised or stolen.

For adults, last year alone, 8.1 million Americans became victims of ID theft, resulting in the loss of $37 billion, according to a 2011 report from Javelin Strategy and Research. While this number is exuberantly high, NBC TODAY reports that it becomes harder to define how many children are actually affected by identity theft because of the fact that most cases go undiscovered for years. However, an identity theft monitoring company, Debix, found an alarming 4,000 cases of tainted identities, out of only 40,000 children.

“It’s terrifying to think that your child or even unborn child’s identity could be comprised for the sole reason that they have clean record,” said Jocile Ehrlich, BBB President. “It is extremely important that parents take the necessary precautions to ensure the safety of their child’s precious and helpless identity.”

BBB urges parents to follow these important steps to secure their child’s identity:

Be aware of how to obtain your child’s credit report. Getting access to your child’s records is actually a different process than obtaining your own. Your child’s report cannot be obtained using the congressionally mandated free credit report website when under the age of 13 and even sometimes for children ages 14 to 18, http://AnnualCreditReport.com. For parents with children under the age of 13, the easiest way to obtain your child’s records is through Trans Union. According to NBC TODAY, if Trans Union says there is no report, odds are good that your child is in the clear. But if there is a report — or you have a specific reason to believe your child is a victim — you'll want to follow up with the nation's other two major credit bureaus — Experian and Equifax — and get a report from them, too.

Recognize the signs of trouble. Watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Know what to do if you suspect that your child has fallen victim. According to the FTC, every parent should check their child’s credit report on their 16th birthday. It’s not good to check it too often, but checking then leaves sufficient time to fix errors and activity before their child goes off to college and tries to obtain financial aid. If suspicious activity arises, parents must contact all three credit bureaus and request a report immediately. From there depending on your state's credit freeze rule, placing a credit freeze should be considered.

For more information on securing your identity, visit www.bbb.org/us/bbb-news/.

Don’t Fall Victim to High Pressure Magazine Sellers at Your Door this Summer

6/1/2011

Posted on 6/1/2011 by
Better Business Bureau receives thousands of complaints each year from consumers who have unknowingly purchased multi-year magazine subscriptions. Unscrupulous telemarketers sometimes trick consumers into paying hundreds of dollars for multi-year subscriptions to magazines they don't want or can't afford. BBB warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer.

Oftentimes, the door knocking presentations are so slick that consumers aren't even aware that they have bought several magazine subscriptions until they receive the bill. In 2011, BBB has already received 662 complaints about door-to-door magazine sellers and dealers, a number that’s well on its way to toping last year’s nearly 1,200 complaints. These high pressure sellers use tactics that can have anyone falling victim.

“With the summer months fast approaching, the warm weather is sure to bring an eager group of door knockers from all trades to your door,” said Jocile Ehrlich BBB President. “Most complaints against door knockers selling magazine subscriptions allege that sales representatives took their check and the magazines never arrived, while some complainants also allege being subjected to high-pressure and misleading sales tactics.”
This summer, BBB recommends the following on how to handle door-to-door magazine sellers:

Listen carefully and be aware of high pressure sales tactics. Some unscrupulous door-to-door sellers will put pressure on you to close the deal at that moment, and even make special offers to entice you. Listen to their tone. Are they increasing in volume as they speak to you? Are they ignoring you despite saying you are not interested? Find a way to end the conversation quickly to avoid long, drawn-out pressure sales pitches.

Stand strong. Do not invite unsolicited salespeople into your home. If you do allow a salesperson inside and decide during the presentation that you are not interested in making a purchase, simply ask him or her to leave. If the salesperson refuses to leave, threaten to call the police, and follow through if they don’t leave immediately.

Verify the individual and the company. If you are interested in buying from a door-to-door seller, get everything in writing including price, warranty and all conditions. Tell the salesperson you will check it out and get back to him or her. Ask for a business card and contact information. Look the company up yourself and check to verify this person is an employee. Also, take the time to check out the company’s BBB Business Review at www.bbb.org.

Know your rights. The Federal Trade Commission’s Three-Day Cooling-Off Rule gives the customer three days to cancel purchases over $25 that are made in their home or at a location that is not the seller’s permanent place of business. Along with a receipt, salespeople should also include a completed cancellation form that customers can send to the company to cancel the agreement. By law, the company must give customers a refund within 10 days of receiving the cancellation notice.

Victims of fraudulent magazine sales can file a complaint with their Better Business Bureau at www.bbb.org, local law enforcement, and state Attorney General offices.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Mike Dawson at 513-639

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Be Cautious About Door to Door Solicitations from Natural Gas Suppliers

6/1/2011

Posted on 6/1/2011 by Leslie Kish

Several of Ohio's regulated natural gas utilities are no longer purchasing their own natural gas supply for resale. As a result of retail choice, customers have the option to choose their own natural gas supplier. The Ohio Consumer’s Counsel is alerting residential consumers, particularly seniors, to a recent increase in complaints about aggressive activities by door-to-door marketers looking for a quick profit.

Customers are strongly advised not to allow any door-to-door marketers access to their natural gas bill unless they have made the decision to switch to that natural gas supplier. It is a common tactic for salespeople to ask to see a copy with a promise that they can provide a better rate. By sharing sensitive material such as their name, address or account number, customers may place themselves at risk of having their service switched without their knowledge.

The OCC advises customers that when entering into a contract with an independent natural gas supplier, they should seek the following information:

* Whether the agreement will be automatically renewed upon completion;

* Whether automatic renewal would subject customers to a higher rate;

* Whether the contract calls for a fixed (i.e., a set rate that is locked in for a period of time) or variable rate (one that fluctuates with market prices, usually on a monthly basis); and

* Whether any additional fees, such as for enrollment, transfer or cancellation, may be charged.

The OCC has received a number of complaints about salespeople participating in high-pressure tactics and has taken action on their behalf. However, customers can help themselves by being aware of their rights before entering into a contract. First and foremost, customers must know they are legally protected from unfair and deceptive marketing practices by the Consumer Sales Protection Act and by PUCO rules regulating competitive retail natural gas suppliers.

The OCC offers a fact sheet, Understanding the Rules for Door-to-Door Solicitors, that informs customers of their rights and tells them what to look for when approached by a door-to-door salesperson. The OCC also offers an up-to-date chart, Comparing Your Energy Choices, listing all independent natural gas suppliers in Ohio, their rate offers, whether the rates are fixed or variable and the contract length. You may also check out suppliers with BBB.

BBB Consumer Newsletter: Dollars & Sense

5/23/2011

Posted on 5/23/2011 by Trisha Sefakis

Dollars & Sense Consumer Newsletter

Your BBB is launching a Consumer Newsletter entitled: Dollars & Sense. This newsletter will be issued on a quarterly basis. This will feature an “Ask the Expert” corner. BBB will provide video and written tips on scams and trends currently affecting consumers. We appreciate any feedback on topics that you would like to see covered in upcoming issues. Our first issue will be published the first week of June. Please click here to subscribe.

BBB Wise Giving Alliance, Guidestar USA and Independent Sector Launch Charting Impact

5/18/2011

Posted on 5/18/2011 by
Washington, DC — Today the strategic alliance of BBB Wise Giving Alliance, GuideStar USA and Independent Sector announce the launch of “Charting Impact,” a standard framework for creating reports that enable stakeholders to easily and clearly understand the objectives, benchmarks for progress, and impact of nonprofits and foundations. This sector-wide initiative was developed by nearly 200 leaders to help organizations of all types, sizes, and missions convey their efforts to advance the common good, establishing an industry standard for reporting in-depth mission objectives and results. Charting Impact Reports will be made available for public view through www. chartingimpact.org

“One of many benefits for organizations answering Charting Impact’s questions is that it forces deep, meaningful conversations with stakeholders about the impact the organization has made, will make, and how to bridge the gaps,” said Diana Aviv, president and CEO of Independent Sector. “As we refine the process and share our reports we will undoubtedly unleash new possibilities for innovation, collaboration, and for strengthening our work across the sector.”

The cornerstone of Charting Impact is a series of five questions that encourage strategic thinking and the open sharing of ideas, strategies and results within the nonprofit community. Completing a Charting Impact Report will empower organizations to convey their mission, achievements and goals in a way that encourages donors to channel their resources to organizations that best fit their charitable goals; facilitates strategic thinking about mission, practices and how results are measured; and fosters collaboration and idea sharing within the nonprofit community.

“We have long stood for and applied broad accountability standards that cover far more than financial ratios,” said Art Taylor, president and CEO of the BBB Wise Giving Alliance. “By providing charities a place and structure to share information about their effectiveness, Charting Impact extends still further the resources available to help donors make really informed giving decisions.”

The five questions organizations must answer to complete a Charting Impact Report are:

What is your organization aiming to accomplish?
What are your strategies for making this happen?
What are your organization’s capabilities for doing this?
How will your organization know if you are making progress?
What have and haven’t you accomplished so far?

“Charting Impact reports empower organizations to respond to the specific concerns of donors in one thorough, thoughtful format,” says Bob Ottenhoff, President and CEO of GuideStar USA. “For organizations , the introspection required to fill out the report is designed with results in mind: increased financial support from donors responding to tangible measures of progress.”

Nonprofits and foundations can respond to these five questions using an online interface available at ChartingImpact.org. Each response includes a character limit, encouraging careful, example-filled descriptions of the organization’s achievements to clearly communicate with an audience of donors and other investors without inundating that audience with information. Responding through ChartingImpact.org produces a formatted Charting Impact Report that will be shared publicly on ChartingImpact.org, on GuideStar USA or BBB Wise Giving Alliance profiles, and—in the future—with other websites and information sources. Individual nonprofits and foundations can also share their Charting Impact Report on their own websites.

About Charting Impact
Charting Impact is a collaboratively developed, thoroughly-tested framework that focuses on making nonprofit organizations more effective. It encourages strategic thinking about how an organization will achieve its intended impact. Responding to the five questions shares concise information about that organization’s plans and progress with key stakeholders and the public. For more information, visit ChartingImpact.org

About BBB Wise Giving Alliance
The BBB Wise Giving Alliance seeks to help donors make informed giving decisions and to advance high standards among publicly soliciting charities by producing reports that specify whether the charity meets 20 Standards for Charity Accountability. There is no charge to the charity for the accountability evaluation and the resulting reports are available to the public for free at www.give.org.

About GuideStar USA
GuideStar, www.guidestar.org — the premier source of nonprofit data—connects people and organizations with information on the programs and finances of more than 1.8 million IRS-recognized nonprofits. GuideStar serves a wide audience inside and outside the nonprofit sector, including individual donors, nonprofit leaders, grantmakers, government officials, academic researchers, and the media.

About Independent Sector
Independent Sector is a leadership network for nonprofits, foundations, and corporate giving programs committed to advancing the common good. Our nonpartisan coalition leads, strengthens, and mobilizes the sector; we advocate for public policies that fortify our communities; and we create unparalleled resources so staff, boards, and volunteers can further their missions and increase their impact. http://www.independentsector.org/

BBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/16/2011

Posted on 5/16/2011 by
(ARLINGTON, Va.) – Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer, according to Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA). Chief among them: make sure you know who you’re hiring and know your rights.

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans—or about 13 percent—move to a different home every year, according to the latest U.S. Census Bureau statistics.

Every year, however, both BBB and AMSA receive complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. BBB received more than 8,900 complaints against movers in 2010—a five percent increase over the previous year—primarily about damaged or lost goods and final prices in excess of original estimates. In a too-frequent worst-case scenario, the moving company holds the customer's belongings “hostage” and requires potentially thousands of dollars to unload the van.

One particularly-egregious complaint last year involved a consumer who hired a moving company found on Craigslist. A-1-A Jay's Way Moving quoted a reasonable price of $80 per hour. It wasn’t until they arrived at the new apartment that A-1-A Jay’s Way Moving upped the price to $800 – practically doubling the quoted price. Demanding the payment in cash, A-1-A Jay’s Way Moving refused to unload the belongings and threatened that the furniture would be taken to storage, leaving the consumer no choice but to pay the drastic difference in price.

BBB discovered that the company did not have its required licensing as a household mover with the Federal Motor Carrier Safety Administration (FMCSA). A-1-A Jay’s Way Moving did not respond to the complaint.

"Because anyone with a truck and a website can claim to be a mover, our industry is plagued by con artists who don’t adhere to standards for honesty and ethical conduct," said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can prevent a lot of headaches by checking on a company in advance to identify which put customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

"Checking a mover's credentials is critical and easy. Last year alone, consumers relied on BBB more than one million times for finding a trustworthy mover," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB."

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the company thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the federal government and are assigned a motor carrier number you can verify on FMCSA’s website, www.protectyourmove.gov. Also check the company's rating with your BBB, which maintains more than 17,000 Business Reviews on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization's Code of Ethics.

Get at least three written in-home estimates. No legitimate mover will offer to give you a firm price online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know your rights. Research your rights as a consumer with either FMCSA for interstate moves or the state in which you reside for moves within that state. Also, enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or threatens to hold your belongings hostage. FMCSA requires interstate movers to offer arbitration to help settle disputed claims.

Consider getting full value protection. It may cost a few dollars more up front, but it can provide some peace of mind and eliminate a headache after your move. Investing in full (replacement) value protection means any lost or damaged articles will be repaired or replaced, or a cash settlement will be made to repair the item or to replace it at its current market value, regardless of age. It’s important to note that the required minimum coverage of 60 cents per pound would not cover the replacement cost, for example, of a flat panel TV if damaged in transit.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website; and the U.S. Department of Transportation's site. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Media Contact:
Kelsey Owen, Marketing Coordinator
(703) 247-9376

About AMSA
The American Moving & Storage Association, headquartered in Alexandria, Va., is the trade association representing the nation’s moving and storage companies, which provide household goods moving services, specialized transportation for sensitive freight such as computers and trade show exhibits, and warehouse storage services. The association has 3,200 members, including more than 200 international members, and sponsors programs and activities that promote consumer protection, professional development, safety, and operational efficiency.

Media Contact:
John Bisney, Director of Public Relations
(703) 706-4986 jbisney@moving.org

Attorney General DeWine Takes Action against Shoddy Home Improvement Businesses

5/13/2011

Posted on 5/13/2011 by

Attorney General DeWine Takes Action against Shoddy Home Improvement Businesses

(COLUMBUS, Ohio) — Ohio Attorney General Mike DeWine today announced lawsuits against two Ohio home improvement businesses, a Springfield based tree-cutting business and a Cleveland-area home repair company, for multiple violations of Ohio consumer law.

"In both cases, the defendants accepted advance payment from Ohioans, but failed to do what they promised," Attorney General DeWine said. "They also ignored repeated attempts to resolve complaints out of court. While my office aims to work with all Ohio businesses, companies that violate the law will be held accountable."

The first lawsuit was filed in the Franklin County Court of Common Pleas against James K. Hall, Kim Hall and Richard Abston, owners and operators of a Springfield based tree-cutting business. The defendants operated under various business names, including Nationwide Tree Service, Nationwide Tree and Mulch, Advanced Tree and Mulch, Nationwide Tree Care, Capital City Tree Care and Hall Tree Service.

Whichever business name the defendants used, consumers made the same or similar complaints. The defendants promised to cut down trees, grind out the stumps, and remove the mess. Instead, after taking consumers' full payments, they cut down the trees and left without finishing the job. The lawsuit charges them with multiple violations of Ohio's Home Solicitation Sales Act and Consumer Sales Practices Act (CSPA), including failing to notify consumers of their three-day right to cancel, providing shoddy work, failing to deliver, and making misrepresentations about their service.

The second lawsuit, filed in the Cuyahoga County Court of Common Pleas, charges Joseph Tribuzzo of Tribuzzo Construction with multiple violations of the CSPA. According to the lawsuit, Mr. Tribuzzo took advance payments for roofing and other home repair work, but failed to do the jobs or did shoddy work.

In both complaints, Attorney General DeWine seeks injunctive relief to stop further violations of consumer laws, full restitution for affected consumers and civil penalties.

As Ohioans plan for springtime repairs and landscaping work, Attorney General DeWine warns people to be wary of contractors who:

• Fail to provide notice of consumers' three-day right to cancel door-to-door sales

• Use high pressure sales tactics

• Have a poor reputation or no reputation with the Better Business Bureau (BBB)

• Refuse to provide written information about the sales

When selecting a home improvement contractor, consumers should research the company with the Ohio Attorney General's Office and the BBB. They also should contact past customers to ask about their experiences with the company. If possible, consumers should get written estimates from multiple contractors before making a final selection.

For more information or to report consumer fraud, contact the Ohio Attorney General's Office at www.OhioAttorneyGeneral.gov or 1-800-282-0515.

BBB Advice on Giving to Storm and Flood Relief Charities

5/13/2011

Posted on 5/13/2011 by
Arlington, VA – Americans watching the mounting Mississippi floodwaters and the devastation wreaked by recent tornadoes are responding with generous gifts of time and money, as they’ve traditionally responded to disasters throughout the world. But even when needs are close to home, givers should take steps to assure themselves that their donations will go to legitimate and reputable charities and relief efforts that have the capability to help victims, cautions the Better Business Bureau Wise Giving Alliance.

“Despite long experience in giving for major natural disasters, and with the desire to quickly help those in need, Americans sometimes forget to heed advice that’s relevant to all charitable giving,” says Art Taylor, President and CEO of the BBB Wise Giving Alliance. “In the present situation, we advise donors especially to learn about what individual charities are doing and the time frame of their work. Donors who know what to expect from the charities they support are less likely to question the benefit of their gifts.”

BBB Wise Giving Alliance offers the following five tips to help Americans decide where to direct donations:

Take time to check out the charity. The best way to avoid being disappointed in helping Flood Relief Charities is to find out more about the charity before making the donation. Unfortunately, most people don’t. Donors should review the charity’s website and go to third party sites such as the BBB Wise Giving Alliance (www.bbb.org/charity) to learn more about the charity and verify its accountability.

Identify what stage of relief the charity intends to provide. There are three general stages to flood relief efforts. Find out which stage the charity is intending to address. The Emergency Response stage involves immediate rescue needs and takes place within the first week of the storm or flood. Next, Disaster Relief occurs in the first month and provides clothing and temporary shelter for displaced families. Finally, the Recovery Stage can last over a year and involves clean up, repair and/or rebuilding homes, and other long-term recovery needs.

Find out if the charity is providing direct aid or raising money for other groups. Some charities may be raising money to pass along to relief organizations. If so, you may want to consider “avoiding the middleman” and giving directly to charities that have a presence in the region. Or, at a minimum, check out the ultimate recipients of these donations to ensure the organizations are equipped to effectively provide aid.

Be wary of claims that 100 percent of donations will assist relief victims. Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims that 100 percent of collected funds will be assisting flood victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Verify if the charity is registered to solicit donations in your state. Most states require charities to register with a state agency (usually the Attorney General’s office or the Secretary of State’s office) in order to solicit charitable contributions. Contact your appropriate state agency to determine if the soliciting flood relief charity is properly registered. Watch out for newly created entities that do not have a track record and/or experience in providing disaster relief.

For more information or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Kelsey Owen at 703-247-9376.

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,300 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus, the national organization representing 123 BBBs serving communities across the U.S. and Canada – evaluating and monitoring nearly 4 million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

National Immunization Survey (NIS)

5/10/2011

Posted on 5/10/2011 by Christine Hayley

By: Christine Hayley/Director, Marketplace Resources

You or a family member may have received a letter or phone call regarding National Immunization Survey (NIS). The NIS is conducted by National Opinion Research Center (NORC) from the University of Chicago.

So what is this survey all about? The National Center for Immunizations and Respiratory Diseases(NCIRD) and the National Center for Health Statistics (NCHS) of the Centers for Disease Control and Prevention (CDC) are conducting the study. The NIS provides the public with important health information about childhood immunizations and related health matters. The voluntary survey also helps health officials in their efforts to improve health care programs.

This phone survey is conducted in households across the county. Surveys are assigned to telephone numbers using random assignment, and sometimes depend on the age group of the household members. Participation is voluntary and no information that identifies any individual will ever be released. All personal data are kept under strict confidentiality regulations followed by the CDC.

If you have questions about the National Immunization Survey (NIS), you may call toll free 1-866-999-3340.

Entitled Money from BBB?

5/5/2011

Posted on 5/5/2011 by Christine Baker

By: Christine Hayley/Director, Marketplace Resources

Unfortunately, BBB does not have money to give away. A BBB representative recently took a call from a customer who said her husband was contacted by a miscellaneous individual informing him that he was entitled to money from BBB. BBB will never contact you to tell you that you are entitled to money. Often times, scammers pose as having an association with BBB because we are a trusted name and resource. If you have received a call similar to this or have questions, feel free to contact our office.

BBB Warns of Phony Acai Berry Weight Loss Products

5/5/2011

Posted on 5/5/2011 by
Arlington, VA – In conjunction with the Federal Trade Commission’s (FTC) recent lawsuits on acai berry weight loss products, Better Business Bureau is warning consumers to be wary of phony “news” announcements of free trial offers for online diet pills.

According to the FTC, millions of consumers are being lured to websites that imitate those of reputable news organizations. The “reporters” on these sites have supposedly done independent evaluations of acai berry supplements, and claim that their products cause major weight loss in a short period of time with no diet or exercise. In reality the websites are deceptive advertisements placed by third-party or “affiliate” marketers. The websites are aimed at enticing consumers to buy the featured acai berry weight-loss products. These fake news operations are the subject of a nationwide law enforcement initiative.

Ubiquitous deceptive online ads for the acai berry weight loss products can be found posing to be from popular outlets like ABC, Fox News, CBS, CNN, USA Today and Consumer Reports. According to the FTC, the defendants collectively have paid more than $10 million to advertise their fake news sites, and have likely received well in excess of that amount in ill-gotten commissions.

In 2010, the FTC filed an action against acai berry marketer Central Coast Nutraceuticals which has an F rating with BBB. According to the more than 2,800 complaints to the Central, Northern and Western Arizona BBB the company deceptively marketed acai berry supplements as weight-loss products, and “colon cleansers” along with a variety of refund and exchange issues.

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Just as soon as one company is put out of business it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.”

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with BBB. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Cox.

BBB offers additional advice on signing up for free trial offers. Consumers who believe they have been misled by a free trial offer can file a complaint online with the BBB.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Travel Tips to Ensure a Safe and Timely Flight

5/5/2011

Posted on 5/5/2011 by
With summer just around the corner, many consumers are beginning to plan their vacation getaway. While dreaming of island sun, many travelers fail to factor in the uncertainties that come with flying, such as unpredictable weather patterns, aviation system issues, maintenance or crew problems into their travel plans. BBB, along with the U.S. Department of Transportation, are advising vacationers to plan ahead when traveling this summer to ensure safety and timeliness.

To avoid troubles in the sky, it’s important for travelers to be aware of their flight options,” said Jocile Ehrlich, BBB President. “With the burden and chaos that can come from a delayed or cancelled flight, it’s important for travelers to plan ahead and know their options.”

The U.S. Department of Transportation (DOT) advises consumers to be proactive when it comes to planning a getaway trip. According to Bureau of Transportation’s 2011 Statistics, 25.5 percent of all flights were reported to be not on time.

BBB and the U.S. Department of Transportation advise travelers to do the following when booking and securing their flights this summer:

The early bird gets the flight. When booking your flight, remember that a departure early in the day is less likely to be delayed than a later flight, due in part to the “ripple” effects of delays throughout the day. Also, if an early flight does get delayed or canceled, you may have more rerouting options. If you book the last flight of the day and it is canceled, you could get stuck overnight.

Know your rights with a canceled flight. If your flight is canceled, most airlines will rebook you on their next flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Unfortunately, compensation is required by law only when you are “bumped” from a flight that is oversold. Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight.

Secure your payment. Consider paying by credit card, which provides certain protections under Federal credit regulations. For example, in all recent airline bankruptcies passengers who had charged their fare and were not provided service were able to have their credit card company credit their account for the amount of the fare.

For more travel tips, visit www.bbb.org/us/consumer-tips-travel.

Leasing an Office Space That Works for You

5/5/2011

Posted on 5/5/2011 by
If your business is starting to take up more room than your home office has to give, it’s time to think about moving your business out of your house. Taking the leap and leasing a commercial office space can be a frightening prospect. But if you ask the right questions and take the time to do your research, you’ll avoid the common pitfalls.

“Choosing the work environment that’s right for you makes all the difference when it comes to your overall productivity,” said Jocile Ehrlich BBB President. “An efficient work space allows for an overall efficient work ethic.”

BBB recommends considering the following when choosing a leasing space that’s right for your business:

What are your needs? Before you start your search, spend some time thinking about what you need in an office space. Don’t just consider how many employees you currently have; seriously consider your company’s growth and estimate how many employees you’ll gain over the course of a lease. The general rule for allotting space is 175 to 250 square feet of usable area per person. Also consider the common areas such as break rooms, reception area, and conference rooms you and your employees will need.

Get professional help. Finding the right commercial office space isn’t as easy as finding residential property. Chances are you’ll need a realtor to navigate you through the process of finding that perfect office space. Before you select your realtor, check out their free BBB Business Review.

Location, Location, Location. The perfect location can often depend on what kind of business you run. If you regularly expect clients in your office you’ll need a convenient, safe, location. Where is the competition located?

Consider safety and accessibility—parking, public transportation—as well as the condition of the building and the neighborhood. Will your employees be able to easily get to work?

Go ahead, kick the tires. Take a long hard look at the office space and assess the condition of the building. Office space is typically broken down into three categories, Class A, B, and C dependent on the location, age, condition, and amenities with Class A being considered the highest quality. Ask the landlord about recent improvements and upgrades as well as the condition of the AC and heating units.

Also, discuss with your landlord how much remodeling needs to be done to the office space and determine who will foot the bill. You’ll need to consider the basics such as new carpet, fixtures, and fresh paint as well as major interior renovations such as constructing new walls.

Review the lease carefully. It’s time to get out the glasses because you need to make sure you read all of the fine print of your lease. If you need help deciphering the legalese of your lease, an attorney who specializes in lease agreements can help negotiate the terms. Don’t be shy about negotiating; this is a major investment and a big step for your company and you don’t want to get locked into a bad deal.

For more business tips you can trust, visit www.bbb.org.

BBB Advice on Choosing a Driving School That’s Right for You

5/5/2011

Posted on 5/5/2011 by
While a scary but exciting time, having your eagerly-awaiting teenager soon to be behind the wheel is one that comes with lots of necessary preparation. When choosing a driving school for your soon-to-be driver, Better Business Bureau urges both parents and students to make smart, informed decisions.

A driver education course is designed to teach new drivers fundamental skills and basic knowledge about driving a motor vehicle. However, in the last two years, BBB has received more than 700 complaints against driving instruction with complaints ranging from no shows to customer service and sales practices.

“Consumers need to do their research before choosing a driving school,” said Jocile Ehrlich, BBB President. “Parents and students alike should check with their state’s Department of Motor Vehicles to learn more about all of the necessary requirements and to verify the driving school instructor’s license status.”

BBB recommends the following when choosing a driving school in your area:

Check it out. For information on driving schools in your area, start your search at www.bbb.org for a free BBB Business Review that will help you make informed decisions.

Ask around. Call several schools to find out about the course schedules, fees and registration procedures that they offer. Neighbors and friends can be a great resource, as well. Ask for references from previous students of the school. Remember, price is not the sole factor in choosing a driving school. You must compare instructional quality, class size and behind-the-wheel lessons.

Visit the driving school. Ask to see classrooms and if you could observe part of a course. Ask to see the course book. Is the text up to date? Are there enough textbooks for all students? The ideal course integrates behind the wheel and classroom training. Do not assume that the fastest course is the way to go.

Check the details. Find out if the school has a policy on make-up classes and refunds. Know how to file a complaint against the school and check to see how the school resolves its complaints.

For more information you can trust, visit www.bbb.org.

BBB Warns That Scammers May Be Chasing Your Wallet In Light Of Recent Storms

5/5/2011

Posted on 5/5/2011 by
Your home and wallet may take a serious beating when a big storm hits and with several recent storms and tornadoes, Better Business Bureau is warning consumers to be wary of fly-by-night “storm chasers,” as well as fraudulent charities promising to provide relief.

Storm chasers and other door-to-door salespeople often peddle dubious deals that may cost homeowners thousands of dollars and create serious headaches. BBB recommends doing your research to avoid getting taken advantage of by untrustworthy home contractors and the like.

For those who seek to aid in relief, BBB Wise Give Alliance urges donors to check trustworthy charities before making any donations. Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance.

“Not only do Americans need to be concerned about avoiding fraud, they need to know that their home contractors and charity relief efforts are legitimate and honorable,” said Jocile Ehrlich BBB President. “It’s imperative to find a home contractor and charity that you can trust.”

When looking for a contractor you can trust and when seeking to aid to relief efforts, BBB recommends that homeowners and donors do the following:

Start Your Search with BBB. In addition to offering Business Reviews on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB accreditation standards require that accredited businesses make a good faith effort to resolve disputes.

Find trustworthy charities when aiding to relief. BBB Wise Giving Alliance urges donors to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. Interested donors should visit www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Recognize the red flags. Beware of any contractor who uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits. When looking to make a donation, be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the previous natural disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Vet the contractor carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the contractor will be subcontracting the job or relying on their own employees.

Beware of storm chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door-to-door, in unmarked trucks. They might require advance payment and make big promises on which they won’t be able to deliver.

Seek at least three bids. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring home professionals and for finding a charity you can trust, visit us online at www.bbb.org/us/consumer-tips-home and BBB Wise Give Alliance at www.bbb.org/charity.

BBB Warns: Beware of Osama Bin Laden Scams

5/5/2011

Posted on 5/5/2011 by

Scam artists stay on top of the news and regularly seek to exploit “the top stories of the day.” Today, BBB is warning consumers to watch out for a slew of cyber scams that have popped up in the past few days after Osama Bin Laden’s death.

According to Kaspersky Labs, an Internet security firm, malicious Web sites and links have been proliferating on Google Images search, Facebook, and other social media sites.

On Facebook, a fake video purporting to show the death of Bin Laden prompts users to input a malicious URL into their browsers, which will infect their computer with a virus.

Another Facebook scam lures victims to malicious Facebook Pages with promises of free airplane tickets, and other “free” offers to “celebrate Osama’s death.”

Consumers should also be wary of links to Osama related Web sites that they find on Twitter, or any link with a URL that leads to an unfamiliar webpage. These links often lead consumers to sites with viruses, or forms that encourage consumers to enter personal information.

Consumers should also beware of phishing emails that claim to be from “insiders”, such as Pakistani citizens or U.S. military troops that request their help in smuggling Bin Laden’s fortune out of the country. These emails are simply an updated version of the old “Nigerian prince” scam letters.

One of the letters appears to be from General Lloyd J. Austin, III, who is the current commander of American Troops serving in Iraq. Needless to say, the message wasn’t sent by the “real” General Lloyd J. Austin, III. An example of one of these letters is below:

From: "Lloyd Austin" <armygeneral_lloyd.austin@rediffmail.com>

Date: 2 May 2011 23:42:16 -0000

To: (removed for privacy reasons)

Subject: Re: Please, Get Back To Me ASAP!

Dear Associate,

How are you my friend? Great i guess especially on the death of Osama Bin Laden. I know this message will definitely come to you as a huge surprise, but please kindly take your time to go through it carefully as the decision you make will probably go a long way to determine my future, your future and continued relationship

First, let me introduce myself. I am General Lloyd James Austin III am assigned to 2nd Battalion, 3rd Marine Regiment, 3rd Marine Division, 3rd Marine Expeditionary Force, Western Anbar Province in Iraq. But i and some troops were assigned to Pakistan on a raid of Osama Bin Laden hide out. We succeeded on the mission and he is dead at the moment and buried in the sea. Right now, i have a situation at hand, i am desperately in need of assistance and i have summoned up courage to contact you.

I am seeking your assistance to evacuate the sum of $10 Million (Ten Million only) to the States or any safe country, as far as i can be assured that it will be safe in your care until i complete my investigation in Pakistan and service in Iraq. This is no stolen money and there are no dangers involved.

SOURCE OF MONEY:

Some money in various currencies was discovered and concealed in barrels with piles of weapons and ammunition at a location near Osama Bin Laden's house during a the raid and it was agreed by all party present that that particular moment that the money should be shared among us. This might appear as an illegal thing to do but i tell you what? No compensation can make up for the risks we have taken with our lives in this hellhole.

The above figure was given to me as my share and to conceal this kind of money became a problem for me, so with the help of a German contact working with the UN here (his office enjoys some immunity) I was able to get the package out of Pakistan immediately to a safe location entirely out of trouble spot. He does not know the real contents of the package as he believes that it belongs to an American who died in an air raid, before giving up trusted me to hand over the package to his close relative. i have now found a secured way of getting the package out of it's current location for you to pick up.

I do not know for how long i will remain here, as i have been lucky to survive two suicide bomb attacks by Pure Divine intervention. This and other reasons put into consideration have prompted me to reach out for help. If it might be of interest to you then Endeavor to contact me and we would work out the necessary formalities but i pray that you are discreet about this mutually benefiting relationship.

Thank you and God bless you.

With great expectation and regards,

General Lloyd James Austin III
United States Marine Corps

Here are tips from the BBB to avoid these Osama Bin Laden scams:

· Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of Bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.

· Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or Web site you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.

· Don't fill out surveys looking for personal info that promise something free celebrating Osama bin Laden's death.

For more information on how consumers can protect themselves against scams, or to find reputable businesses they can visit www.cincinnati.bbb.org or call 513-421-3015.

CPSC’s New Publicly Available Consumer Product Safety Information Database

5/2/2011

Posted on 5/2/2011 by
The U.S. Consumer Product Safety Commission (CPSC) is the leading federal agency charged with ensuring the safety of consumer products. We protect families from risks of injury, death, fires and property damage from thousands of types of consumer products, including items that many of you use every day, such as computers, kitchen appliances, power tools, and air conditioners.

From the first day I took over as Chairman of CPSC, I have been committed to making the agency more open to the public and to families. Just a few weeks ago, we launched our biggest open government project to date. CPSC has unveiled a new publicly searchable database of incident reports that we receive about the use of consumer products.

The database is posted on the website SaferProducts.gov, and it makes available online for the first time the product safety reports we receive from consumers, public safety entities, medical professionals, and child care providers.

We would like to show you how the database can be used to report a hazard relating to the use of a consumer product. You can also use the database to search for incident reports and recall information on merchandise that you own already or may be thinking of purchasing.

Knowing how to use SaferProducts.gov will help you to avoid purchasing potentially hazardous or recalled products, to access important safety information, and become connected to the CPSC.

We urge the BBB community to click on this link to watch a video demonstration of the process for reporting an incident to CPSC. Please share this message with friends and family who you think would be interested. We hope you’ll connect with us on Twitter @OnSafety and through our blog, which aims to answer your questions.

Under the Consumer Product Safety Improvement Act (CPSIA), each report that CPSC receives about a hazardous product is transmitted directly to the product’s manufacturer or private labeler within five business days, as long as the report meets minimum standards. The manufacturer then has ten business days to add a comment, if they choose to, before the report is published in the database. Manufacturers may also claim that the report contains confidential or materially inaccurate information.

Because of these tight timelines, it is important that CPSC be able to reach manufacturers quickly in the event that we receive a report about their product. To that end, it is critical that all manufacturers and private labelers register with SaferProducts.gov so we can communicate with them quickly.

We urge all BBB accredited businesses who represent manufacturers or private labelers to click here to register their companies with the database, and to click here to watch a short video tutorial demonstrating how to register.

We are grateful for the involvement of BBB in our new consumer database, and we look forward to our continued partnership to keep customers and employees safe and to increase trust and integrity in the marketplace.

BBB Welcomes April's New Accredited Businesses

5/2/2011

Posted on 5/2/2011 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

1Tax Financial
5601 Ridge Avenue 2nd Floor
Cincinnati, OH 45213
(513) 794-1829

6 Reasons Lawn Care
7364 Lake Lakota Circle
West Chester, OH 45069
(513) 515-5815

A

A Gogo Event Rentals LLC
7566 Bridgepoint Drive
Cincinnati, OH 45248
(513) 520-6259

A One Pools
4373 McKeever Pike
Williamsburg, OH 45176
(513) 724-7735

A-Cress Heating & Cooling, LLC
6163 East Bend Road
Burlington, KY 41005
(859) 991-3790

A.L. Miller Plumbing, Inc.
609 Nordyke Road
Cincinnati, OH 45255
(513) 474-4915

Above & Beyond Home Repair, Inc.
1136 Nelis Court
Waynesville, OH 45068
(513) 285-7105

Access of Cincinnati
11369 Williamson Road Suite A
Blue Ash, OH 45241
(513) 469-2990

Advanced Outdoor Services LLC
1095 Flick Lane
Batavia, OH 45103
(513) 685-2048

Advent Media Group, LLC
205 West Fourth Street Suite 1250
Cincinnati, OH 45202
(513) 421-2267

AJ Jr.'s Lawncare & Outdoor Services
6945 Lucia Drive
Burlington, KY 41005
(859) 586-4571

Alfred's Family Animal Hospital, Inc.
333 West Main Street
Batavia, OH 45103
(513) 732-1116

All Ways Fencing
1013 Vine Street
Newport, KY 41071
(859) 816-5485

Amen Med-Care, LLC
270 Northland Blvd Suite 204
Cincinnati, OH 45246
(513) 771-3378

American Entertainment Systems, Inc.
16 Cherokee Trail
New Richmond, OH 45157
(513) 553-6099

Anchor Brothers Properties, LTD
9909 Springfield Pike Suite A
Cincinnati, OH 45215
(513) 771-8070

Arch Materials LLC
4438 State Route 276
Batavia, OH 45103
(513) 724-7625

Atlantic Sign Company
2328 Florence Avenue
Cincinnati, OH 45206
(513) 241-6775

Aunt Kathy's Child Care, Inc.
4 Hidden Valley Drive
Highland Hgts, KY 41076
(859) 442-5668

B

B & D Graphics, Inc.
300 Township Avenue
Cincinnati, OH 45216
(513) 641-0855

Bacher's Remodeling & Repair, LLC
1080 Scenic Drive
Alexandria, KY 41001
(859) 512-0494

Bartling Pondscapes LLC
6246 Cleves Warsaw Pike
Cincinnati, OH 45233
(513) 476-9977

Beagle & Beagle Trucking, Inc.
4604 Tealtown Road
Batavia, OH 45103
(513) 561-5679

Bee Clean 100 LLC
8303 Kenwood Road
Cincinnati, OH 45236
(513) 967-3094

Bemis Promotions, LLC
4030 Mount Carmel Tobasco Road Suite 121
Cincinnati, OH 45255
(513) 898-9307

Berra Remodeling, LLC
PO Box 33126
Cincinnati, OH 45233
(513) 478-6534

Best Tree Experts
1922 Buck Run Road
Wilmington, OH 45177
(937) 256-4828

BF Electrical & Faulk Construction
11 Elm Avenue
Cincinnati, OH 45215
(513) 376-4150

Bick's Driving School of Middletown, Inc.
1727 South Breiel Blvd
Middletown, OH 45044

746 Columbus Avenue
Lebanon, OH 45036
(513) 423-7288

Big Bear Childcare, Inc.
525B West Plane Street
Bethel, OH 45106
(513) 734-6000

Big Papa's Car Audio, LLC
6715 Montgomery Road
Cincinnati, OH 45236
(513) 561-5300

Boyd Pest Control
12175 Brookston Drive
Cincinnati, OH 45240
(513) 252-2648

Braffords Auto Body
1006 Woodlawn Avenue
Cincinnati, OH 45205
(513) 921-5902

Building Blocks Development Center, LLC
1750 Queen City Avenue
Cincinnati, OH 45214
(513) 471-5437

Burer's Garage
5284 Winton Road
Fairfield, OH 45014
(513) 829-2441

C

Canine Companion Boarding & Training
PO Box 85
Walton, KY 41094
(859) 356-6457

Cardinal Home Healthcare Solutions, Inc.
2247 Losantiville Avenue
Cincinnati, OH 45237
(513) 271-6700

Carefree Heating & Cooling, LLC
3878 Tara Brooke Way
Hamilton, OH 45011
(513) 341-1943

Cargan Construction LLC
725 Chase Avenue
Hamilton, OH 45015
(513) 341-3940

Cates & Associates, Inc.
PO Box 685
Owensville, OH 45160
(513) 625-2129

cBank
30 West Third Street 5th Floor
Cincinnati, OH 45202
(513) 651-3000

Cincinnati Home Improvement Company, LLC
6577 Chandler Street
Cincinnati, OH 45227
(812) 907-0468

Client Expectations
645 Highland Avenue Suite B-3
Fort Thomas, KY 41075
(859) 441-6733

Clopay Building Products Company, Inc.
8585 Duke Blvd
Mason, OH 45040
(513) 770-4800

Cocoa Rose Photography
2126 Nichols Ridge Road
Seaman, OH 45679
(513) 309-6413

Country Serenity Counseling, LLC
10603 South Fork Road
Dillsboro, IN 47018
(812) 667-2978

Creative Dimensions
10445 Jason's Bluff
Florence, KY 41042
(859) 240-4117

Creative Steps Learning Center, LLC
1769 Carll Street
Cincinnati, OH 45225

2494 Sunnyhill Drive
Cincinnati, OH 45225
(513) 542-5437

CrimsonShift, LLC
8180 Simpson Court
Cincinnati, OH 45040
(888) 339-3647

D

Daddy's Daycare Child Development Center, LLC
901 Findlay Street
Cincinnati, OH 45214
(513) 407-5240

Data Virtue
5244 Leninger Haigh Road
Hillsboro, OH 45133
(937) 509-8797

Deck Aid
179 Fairfield Avenue Lower Level
Bellevue, KY 41073
(859) 344-1221

Digital Integrators, LLC
8331 Colonial Mill Manor
West Chester, OH 45069
(513) 779-9204

Discount House Painters
4611 Shawnray Drive
Middletown, OH 45044
(513) 292-0918

Dobson Plumbing
PO Box 152
Sunman, IN 47041
(812) 623-3146

E

E & J Trailer Sales & Service
610 Wayne Park Drive
Cincinnati, OH 45215
(513) 563-2550

Everlast Concrete Construction
1001 Kieley Place
Cincinnati, OH 45217
(513) 242-2000

Executive Services Group
179 Fairfield Avenue Lower Level
Bellevue, KY 41073
(859) 344-1221

Extreme Construction LLC
119 Aaron Drive
Mount Orab, OH 45154
(937) 444-0868

F

Family Heating & Air Conditioning
375 West Main Street
Williamsburg, OH 45176
(513) 319-9648

Federal Equipment Company
5298 River Road
Cincinnati, OH 45233
(513) 621-5260

First National Resolution LLC
2300 East Ohio Pike Suite C
Amelia, OH 45102
(513) 734-9800

Fischesser Cleaning Services
764 Summit Avenue
Cincinnati, OH 45204
(513) 284-5474

Fit4You
524 Wards Corner Road
Loveland, OH 45140
(513) 340-4639

Fox Plumbing, LLC
7568 Sycamore Woods Lane
Hamilton, OH 45011
(513) 259-0699

G

G-1 Painting, LLC
5472 Wesley Way
Hamilton, OH 45011
(513) 863-2900

Garage Storage and More
6259 Newtonsville Road
Goshen, OH 45122
(513) 779-3400

Gardner's Lawncare LLC
145 Della Court
Verona, KY 41092
(859) 643-2825

George's Family Pharmacy, Inc.
308 North Meridian Street
Sunman, IN 47041
(812) 623-6251

Glenda's Christian Cleaning Service
1177 Mckinley Ct
Batavia, OH 45103
(513) 515-7457

Gorman Construction Services, LLC
4557 Ross Road
Batavia, OH 45103
(513) 616-9150

Got Mulch Landscaping, LLC
28 Mallard Drive
Amelia, OH 45102
(513) 201-7362

Grand Buffet by Tom Inc.
3320 Highland Avenue
Cincinnati, OH 45213

6421 Glenway Avenue
Cincinnati, OH 45211
(513) 598-5183

H

Heavenly Angel's Pet Grooming
3708 Carlton Street
Cincinnati, OH 45227
(513) 569-2221

Hot Shots Creative Photography LLC
5494 Dixie Highway
Fairfield, OH 45014
(513) 939-2200

I

Imagination Creation Childcare, LLC
72 East Crescentville Road
Cincinnati, OH 45246
(513) 671-2500

Imperial Title Services, LLC
4665 Cornell Road
Blue Ash, OH 45241
(513) 489-0404

Indus Grand Entrance and Windows
1455 Dalton Avenue
Cincinnati, OH 45214
(513) 241-1551

Industrial Rope Supply Company
PO Box 33170
Cincinnati, OH 45233
(513) 941-2443

Innovative Mechanical Inc.
1103 Boyle Road
Hamilton, OH 45013
(513) 737-0162

J

JA Kruse Law Firm
20 High Street Suite 129
Hamilton, OH 45011
(513) 867-8111

Jackson Exteriors LLC
PO Box 13269
Hamilton, OH 45013
(855) 478-7663

Jackson Tile and Remodeling
15 Cranberry Court
Elsmere, KY 41018
(859) 240-2119

Jacobs Mechanical, Inc.
1366 Hopple Street
Cincinnati, OH 45225
(513) 681-6800

Jewel King Jewelers
801 Monmouth Street
Newport, KY 41071
(859) 491-3461

K

Kapital Roofing
5327 Galley Hill Road
Milford, OH 45150
(513) 722-9400

Kreative Kids Child Care Center, LLC
PO Box 6
Blanchester, OH 45107
(937) 783-5437

L

L & S Painting and Repair
PO Box 531053
Cincinnati, OH 45251
(513) 674-0774

Life Photography Studio
1798 Devils Backbone Road
Cincinnati, OH 45233
(513) 702-1525

Loyalty 360, Inc.
4120 Dumont Street
Cincinnati, OH 45226
(513) 360-8681

M

Meyer Financial Services
3105 Hudnall Lane
Edgewood, KY 41017
(859) 466-4611

Midwest Mechanical Systems
1633 Reading Road
Cincinnati, OH 45202
(513) 723-9797

MN8 Products
6680 Russell St
Loveland, OH 45140
(513) 235-6383

ModaMotive, LLC
7535 Colerain Ave
Cincinnati, OH 45239
(513) 521-1222

Murdock Massage & Wellness, LLC
5420 North Bend Road Suite 101
Cincinnati, OH 45247
(513) 389-1298

O

Oak Hills Nursing and Rehabilitation Center
4307 Bridgetown Road
Cincinnati, OH 45211
(513) 598-8000

OnFlight, Inc.
4536 Airport Road
Cincinnati, OH 45226
(513) 321-6100

Optimistic Medical Equipment Supply Services LLC
270 Northland Blvd Suite 204
Cincinnati, OH 45246
(513) 771-3378

P

Paint Finesse, Inc.
9783 Kings Auto Mall Drive
Cincinnati, OH 45249
(937) 313-6965

Paycor, Inc.
644 Linn Street Suite 200
Cincinnati, OH 45203
(513) 381-0505

Pleasant Run Mechanical
6391 Morning Sun Road
Oxford, OH 45056
(513) 383-9832

Professional Services Group
179 Fairfield Avenue Lower Level
Bellevue, KY 41073
(859) 344-1717

Q

Quality In Living Residential Care
2344 Laredo Avenue
Cincinnati, OH 45206
(513) 823-2141

R

RWT Windows, Inc.
1142 West Seymour Avenue
Cincinnati, OH 45216
(513) 761-0944

S

S & S Drive In and Carry Out, Inc.
506 South Second Street
Ironton, OH 45638
(740) 532-7007

Sam's Food Market
2277 State Route 125
Amelia, OH 45102
(513) 734-4915

SanMar Corporation
8901 Global Way
West Chester, OH 45069
(206) 727-3221

SDI Concrete Construction
16745 Rebecca Court
Moores Hill, IN 47032
(812) 655-6600

Simplicity Pest Control Solutions
PO Box 3873
Lawrenceburg, IN 47025
(513) 518-8056

SLR Professional Cleaning Services
PO Box 37232
Cincinnati, OH 45222
(513) 891-0081

Star Self Storage & Office Suites
3620 Park 42 Drive
Cincinnati, OH 45241
(513) 733-0000

Steem-Dry Carpet Cleaning
320 Short Road
Lynchburg, OH 45142
(937) 364-2121

StoneMakers of Cincinnati
24 Landy Lane Suite 6B
Reading, OH 45215
(513) 400-0482

T

TB Properties LLC
5284 Winton Road
Fairfield, OH 45014
(513) 829-1287

Tellus Web & Application Development
394 Wards Corner Road Suite 195
Loveland, OH 45140
(513) 831-6684

Tender Age Learning Center
1 Edgecombe Drive
Milford, OH 45150
(513) 576-6322

The Chimney Care Company
413 Wards Corner Road
Loveland, OH 45140
(513) 248-9600

The Gingerbread House Day Care, LLC
406 West Main Street
Mount Orab, OH 45154
(937) 444-9990

Tiburon Energy Construction
2285 Banning Road
Cincinnati, OH 45239
(513) 681-9300

Tiny Times Daycare
50 Smalley Blvd
Hamilton, OH 45013
(513) 895-2273

Tri-State Towing, LTD
524 Wayne Avenue
Cincinnati, OH 45215
(513) 729-4285

V

Victory Mechanical Inc.
12029 Staffordsburg Road
Independence, KY 41051
(859) 363-7971

Vinylmax Windows
2921 McBride Court
Hamilton, OH 45011
(513) 772-2247

W

Walkers Concrete LLC
10380 Rochester Cozaddale Road
Goshen, OH 45122
(513) 315-7751

Wayne Electrical Service, LLC
2414 Lock Road
Butler, KY 41006
(859) 472-1050

WB Farnsworth Remodeling
11934 Snider Road
Cincinnati, OH 45249
(513) 432-5553

West 8th Carry Out
3603 West 8th Street
Cincinnati, OH 45205
(513) 471-3940

West Chester Building & Design
6728 Bromley Drive
Liberty Township, OH 45011
(513) 476-2210

Will Fields Contracting
301 South Sycamore Street
Harrison, OH 45030
(513) 266-3756

Without A Doubt Truck Repair Inc.
8525 N Gilmore Road
Fairfield, OH 45014
(513) 200-4785

Y

YardWorks Landscape Service LLC
3125 Tricia Court
Burlington, KY 41005
(859) 760-4555

Z

Zornes Services, LLC
5371 Mount Washington Road
Hillsboro, OH 45133
(937) 402-0608

Tips on Giving to Police and Firefighter Charities

4/22/2011

Posted on 4/22/2011 by Erika Lehman

BBB has been receiving requests for information about giving to police and firefighter charities. Most frequently, callers report that they are being telemarketed by these charities, but, in some instances, callers also indicate that these charities are engaging in door-to-door solicitations. If you are considering supporting police and firefighter causes, BBB advises you to consider the following.

1) Some police and firefighter groups are not charities. While some groups are 501(c)(3) tax-exempt charities, others are labor organizations, fraternal groups, or benevolent associations. Make sure to ask the group for its tax identification letter to determine whether your contribution will be tax-deductible.

2) Local police officers and firefighters are not always involved. Don’t make the assumptions based on the name alone; the words “police” and “firefighter” in an organization’s name does not necessarily mean that local members are involved.

3) Don’t believe promises of special treatment. If such suggestions or threats are used, contact your local police department, your state’s attorney general, and BBB.

4) Ask for written materials. Learn more about the organization’s finances before giving. It should “raise a red flag” if the organization is unwilling to provide this information.

5) Find out how much of your gift will be spent on fundraising costs. In some cases, fundraising expenses for police and firefighter organizations can be as high as 90% or more of the funds collected.

6) If asked to buy tickets to send needy kids to an entertainment event, ask how the children are chosen, how many will attend, how tickets will be distributed, and if transportation has been arranged for the children. Many times the soliciting organizations have not made arrangements with local children’s charities, might not provide transportation for the children, or few children may actually attend the event.

7) If your business is asked to buy advertising space in a police or firefighting journal, ask how many copies of the publication will be distributed, who will receive them, if there is a cover price, the estimated publication date and ask to see a copy of the draft and published version of the ad. In some cases few copies of the publication are ever distributed and those that are given out may be done haphazardly.

More Storms Means More “Free Roof” Ads: Don’t Believe the Hype

4/21/2011

Posted on 4/21/2011 by Jason McGlone

The Cincinnati area is often subject to strong winds and heavy rain. Along with this type of storm comes damage to consumers’ homes, and subsequently, insurance claims.

Over the past couple years and the damaging storms that they brought with them, BBB has noticed a sharp increase in the number of ads claiming that consumers are entitled to “Free Roofs.” Many roofers also claim to “Work directly with your insurance company” so that consumers “don’t have to.”

BBB cautions customers to be wary of “Free Roof” claims and to know that a roofer can’t possibly guarantee what only your insurance company can confirm. If you see a business you think might be trying to exploit our recent weather woes, please get in touch with us at 513-421-3015 or by email at info@cincinnati.bbb.org.

‘Tis the Season for IRS Tax Scams

4/19/2011

Posted on 4/19/2011 by Janice Clemente

IRS impersonation schemes flourish during filing season. These schemes may take place via phone, fax, Internet sites, social networking sites, and particularly, e-mail. Be aware, the IRS does not send taxpayers unsolicited e-mails about their tax accounts, tax situations or personal tax issues. If you receive such an e-mail, most likely it's a scam.

Con artists pass themselves off as the IRS to trick you into giving them pertinent personal information, such as your social security number, bank account information and credit card numbers - information that can be used to access your financial accounts.

Some e-mail scams contain attachments or links that, when clicked, download malicious code (virus) that infects your computer or direct you to a bogus form or site posing as a genuine IRS form or Web site. Some impersonations may be commercial Internet sites that consumers unknowingly visit, thinking they're accessing the genuine IRS Web site, IRS.gov. However, such sites have no connection to the IRS.

Return preparer fraud is also something to watch out for. Dishonest tax return preparers can cause many problems for taxpayers who fall victim to their schemes. These scam artists make their money by skimming a portion of their clients’ refunds and charging inflated fees for return preparation services. They attract new clients by promising large refunds. Taxpayers should choose carefully when hiring a tax preparer, especially one who promises something that seems too good to be true.

Tax evasion is both risky and a crime, punishable by up to five years imprisonment and a $250,000 fine. Remember, no matter who prepares a tax return, the taxpayer is legally responsible for all of the information on that tax return.

Investigate whether the preparer has any questionable history with the BBB, the state’s board of accountancy for CPAs, the state’s bar association for attorneys or the IRS Office of Professional Responsibility (OPR) for enrolled agents or the oversight agency in states that license or register tax preparers. Suspected tax fraud can be reported to the IRS using IRS Form 3949-A, Information Referral. Form 3949-A is available for download from the IRS Web site at IRS.gov.

The HCG Diet: A Recycled Diet in a Web-based World

4/14/2011

Posted on 4/14/2011 by Jason McGlone
2011 is here, and it’s not surprising that Bing.com recognized that weight loss again will be one of the most popular researched resolutions for the New Year.

Consumers who hit the net to look for a fast way to shed some pounds will probably come across the “HCG diet” which originated years ago and popular once more.

However, the BBB warns consumers to be wary of advertised claims about the HCG diet.

Origins
The HCG diet dates back to the 1950s and is attributed to Dr. A.T.W Simeons. The diet requires participants to introduce the pregnancy hormone, Human Chorionic Gonadotrophin (HCG), into their bodies while following a very strict, very low-calorie diet of about 500 calories a day.

The diet was popular in the 1970s and is now regaining popularity. However, this time around, marketers have the power of Internet marketing on their side, and the BBB has noticed HCG diet advertising gaining momentum.

Claimed Results
Advertisers are claiming that participants are losing up to 40 lbs. in 40 days. HCG diet advocates claim that the introduced HCG decreases appetite which makes the 500 calorie a day diet more manageable. Although advertisers provide numerous clinical studies and testimonials to support their claims, controversy remains about the link between HCG and weight loss.

Criticism
Does HCG really contribute to weight loss? Both the Food and Drug Administration (FDA) and American Society of Bariatric Physicians (ASBP) say proof is lacking. Both organizations attribute testimonial weight loss to the 500 calorie a day diet.

Since 1975 the FDA has required HCG labeling and advertising to disclose the following:

“HCG is a drug which has not been approved by the food and drug administration as safe and effective in the treatment of obesity or weight control. There is no substantial evidence that HCG increases weight loss beyond that resulting from caloric restriction, that it causes a more attractive or ‘normal’ distribution of fat, or that it decreases the hunger and discomfort associated with calorie-restrictive diets.”

Additionally, in 2009, the ASBP stated that the use of HCG is inappropriate for the treatment of obesity.

The BBB advises anyone who is considering a weight loss plan to check with their own doctor to make sure the plan is safe for that individual and has been shown to be effective.

If you’re aware of other questionable advertisements, feel free to contact your local BBB’s advertising review department.

THE MCGRAW-HILL COMPANIES AND BETTER BUSINESS BUREAU'S MILITARY LINE

4/12/2011

Posted on 4/12/2011 by

(NEW YORK, NY AND ARLINGTON, VA, APRIL 12, 2011) -- As part of First Lady Michelle Obama and Dr. Jill Biden’s “Joining Forces" initiative, McGraw-Hill (NYSE: MHP) and the Better Business Bureau's (BBB) Military Line are joining together to develop and deliver expanded financial literacy and consumer protection programs to military families. The campaign builds on six years of BBB Military Line training initiatives and McGraw-Hill's decade-long commitment to ensuring financial literacy for all. The combined effort will reach more than 40,000 military families initially and will include a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions.

According to an October 2010 FINRA (Financial Industry Regulatory Authority) study entitled, "Financial Capability in the United States: Military Survey," military populations suffer disproportionately from financial strain (poor credit, high debt, foreclosures, etc.) due to service members' unique circumstances of long deployments, protracted family separation and frequent moves. The study notes, "Improving financial capability is not only important for military service members and their families, it also affects the military as a whole. When military families make poor financial decisions, the cost of those decisions can undermine military readiness."

"Lack of financial literacy can become a serious national security issue, as well as an unnecessary and burdensome distraction for our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "Financial readiness is critical to mission readiness and BBB Military Line is honored to work with McGraw-Hill to make this happen."

"McGraw-Hill is proud to work with BBB's Military Line to equip the armed forces and their families with the tools to make informed financial decisions," said Harold McGraw III, Chairman, President and CEO of McGraw-Hill. "We applaud First Lady Obama and Dr. Biden for launching this worthy campaign and McGraw-Hill stands ready to do our part."

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About McGraw-Hill

Founded in 1888, The McGraw-Hill Companies is a leading global financial information and education company that helps professionals and students succeed in the Knowledge Economy. Leading brands include Standard & Poor’s, McGraw-Hill Education, Platts energy information services and J.D. Power and Associates. With approximately 21,000 employees in more than 280 offices in 40 countries, the Corporation's sales in 2010 totaled $6.2 billion.

Connect with McGraw-Hill on Twitter and Facebook.

McGraw-Hill's philanthropic mission is to ensure financial literacy for all. Please visit www.mcgraw-hill.com/site/cr/community/financial-literacy for additional information about its financial literacy programs. Additionally, stay up-to-date about McGraw-Hill’s Financial Literacy Now campaign on Twitter and Facebook.

About BBB Military Line

The Better Business Bureau (BBB) Military Line program, established in 2004 and in partnership with the DOD Financial Readiness Campaign, brings financial workshops tailored to the military for adults and teens; participates in community fairs, conferences, and military installation events; and provides consumer protection information and services --- all through the efforts of local BBB offices throughout the US. Our program empowers our military communities and builds bridges between civilian and military cultures through face to face interaction and cooperation. Our online presence provides financial literacy and military consumer information, along with consumer threat alerts that specifically target the military population. Please visit www.bbb.org/military for more information.

Connect with BBB Military Line on Facebook.

McGraw-Hill Contact: BBB Military Line Contact:

Jason Feuchtwanger Janet Riessman

Director, Corporate Communications Director, Marketing Communications

212-512-3151 office 703-247-9345 office

347-419-4169 mobile 202-256-7280 mobile

jason_feuchtwanger@mcgraw-hill.com jriessman@council.bbb.org

More Proof That Auto Dealerships Should Tread Lightly When It Comes to Third-Party Marketers

4/12/2011

Posted on 4/12/2011 by Jason McGlone

This press release from the Ohio Attorney General’s office just came across my desk:

Ohio Attorney General Mike DeWine along with nine other state attorneys general today announced a settlement with Georgia marketing firm Action Integrated Marketing (AIM) to resolve accusations that it used deceptive advertising practices.

"This company conducted sales events for used car dealerships across the country," Attorney General DeWine said. "Using phrases such as 'Government Vehicle Disposal' and 'The Repo Joe Sale', AIM's ads typically were designed to steer buyers to sales events under the pretense they would receive a special deal. In reality, most of the ads violated state consumer law."

Based in Norcross, Georgia, AIM was hired to conduct sales promotions for various auto dealers across the nation, including several dealerships in Ohio. AIM ran sales events at dealerships and provided related services, such as print and direct mail advertising, signs at the dealerships and additional sales staff for the sale.

According to Attorney General DeWine, AIM used deceptive language that made consumers believe the sale vehicles were not part of the dealer's normal inventory, when that was not the case. For example, it conducted sales that gave consumers the false impression that they would get a better deal because the vehicles had been repossessed and because AIM would use their connections to bring in vehicles for the sale.

The state attorneys general accused AIM and its Chief Executive Officer, Jay D. Murphree, of designing promotions that created a false sense of urgency, that failed to disclose all mandatory charges and that failed to adequately disclose prices and terms.

Under a multi-state settlement filed today in the Franklin County Court of Common Pleas and other states' local courts, AIM and Murphree agreed to an injunction placing restrictions on their marketing practices. Additionally, the defendants will pay $150,000 to reimburse the participating states for attorneys' fees. Ohio's share of the payment is $13,000.

The defendants also were assessed a civil penalty of $130,000, which will be suspended provided they comply with the agreement. Other states participating in the settlement include: Georgia, Idaho, Illinois, Kentucky, North Carolina, Oregon, Pennsylvania, Tennessee, and Washington.

We’ve been concerned for quite some time about this type of advertising. Lately, we’ve seen a local resurgence in their appearance in local newspapers and television stations.

This shows, in my opinion, that it’s in the best interest of auto dealers to be proactive in paying close attention to and controlling the content of their ads.

If you have questions about advertising issues or BBB’s advertising guidelines as they relate to auto dealers, feel free to get in touch at 513-421-3015 or send me an email at jmcglone@cincinnati.bbb.org.

Choosing a credit card for your business

4/7/2011

Posted on 4/7/2011 by

If expense reports are piling up and you’re tired of hearing your employees complain about not getting reimbursements, it might be time to consider a business credit card. The Better Business Bureau offers advice to business owners on choosing the right credit card for your business.

According to a 2009 survey by the Board of Governors of the Federal Reserve System, 83 percent of small businesses used credit cards; 64 percent used small business cards, and 41 percent used personal cards.

It is easy to understand why small business credit cards represent a growing, competitive marketplace, and many banks and credit card companies are actively pursuing small business owners as a rich source of new partners and clients.

For small business owners, now is actually a good time to research how a business credit card can benefit operations, or to re-evaluate existing business credit card plans to take advantage of best rates and current offers in the marketplace.

“There are many ways that a business credit card can make life easier for an owner and their employees,” said Jocile Ehrlich, BBB President. “It can build credit history for your company, provide you with short-term loans, offer discounts with vendors, and make expense reports a thing of the past.”

Basically, there are two options for business credit cards - small business and corporate credit cards. The decision on which option to choose is based in large part on the size of the business and who is responsible for the debt.

As the names imply, a corporate credit card is for large businesses and corporations and the burden of debt typically falls on the corporation. A business credit card is intended for smaller businesses with sole-proprietors and the burden of debt is on the owner. Unless the business is producing more than $2 million annually in gross income, a corporate credit card isn’t an option.

A business credit card is very similar to a personal credit card and carries a credit limit and minimum monthly payments. Business owners and any employee who will use the card will typically undergo a credit check.

BBB offers tips for choosing and implementing a new business credit card approach:

Do your research. Many banks and credit card companies are making various offers, with some attractive perks that may fit nicely with your business needs. But offers run the gamut, so be choosy. You’ll want to find out about offers from both your local banks and national credit card companies.

Don’t get burned by special offers. As noted, there are many offers and plans available for small business owners, but pay specific attention to business credit card plans with introductory offers for 0% APR. While this may be a good option for an immediate, high-end purchase to support your business, you need to find out what the conditions for the APR are – under what conditions will it rise, and what are your options if it does rise. Beware of getting stuck with a high APR after the introductory period.

Consider the rewards. Many cards will offer perks for both you and your employees including discounts with preferred vendors and airlines, as well as rewards points.

Lay the ground rules. Make sure your employees know exactly what can and cannot be charged on the credit card. Some cards will let you adjust the credit limit on individual employee cards, as well as limit where the cards can be used.

For additional tips on managing your business’s finances, go to www.bbb.org.

BBB Urges Consumers to Make Smart Solar Energy Investments

4/7/2011

Posted on 4/7/2011 by

With warm weather approaching and many consumers looking to stick to a budget when making home improvements, many are turning to green solar energy as a solution. BBB advises consumers to be smart about investing in any home improvement project.

Solar energy scams are no exception when it comes to the typical contracting scam. Fraudulent contractors prey on those who are unfamiliar with their product. They may show up at your door, advertise in local papers or deliver fliers to your home. Like the typical contracting scam, solar paneling scams can range anywhere from issues with the installation and costs to the actual solar panels themselves.

Consumers need to know how solar energy works and how the benefits will affect them before investing $5,000 to $60,000 in any solar energy products. There are many state and federal rebates that offer a reduction in the initial costs. However, consumers who opt for a “greener” remodel this spring need to be wary of the less-than-reputable and unqualified contractors that breeze into town promising a variety of “green” services at cut-rate prices. Consumers need to find an installer that is trustworthy and knowledgeable on the benefits of solar energy.

“As with any kind of home improvement contractor, consumers need to be cautious of installers that promise too-good-to-be-true offers,” says Jocile Ehrlich, BBB President. “It pays to look beyond the lowest bid when selecting a contractor.”

BBB recommends considering the following before investing in solar energy:

Determine if solar energy is right for you. Due to the high costs associated with the initial investment of solar power, it is important to conduct a self energy audit to determine if solar energy is right for you. Usually, if your monthly bill is less than $100, consider other ways to save energy that cost less.

Consider all the costs associated with solar energy. Ask about all the costs associated with the maintenance and upkeep of the system. Determine if the benefits and savings outweigh the costs over the long run.

Stay informed about state and federal incentive programs. Depending on your location, state and federal programs can save you as much as 50% on installation costs. Be sure to understand the terms and conditions of the incentive programs and conduct your own research prior to signing a contract with an installer. For the latest information on state programs, visit http://www.dsireusa.org/.

Be cautious of installers that promise no out of pocket costs prior to reviewing your specific situation. Be leery if an installer suggests obtaining credit for the full amount of the system even though they are promising very low or no costs due to rebates.

Make sure the roof of your home is equipped to sustain a solar panel system. Even though a properly installed solar system will not damage your roof, make sure your roof is in good condition before you begin the installation to avoid any future problems.

Understand how your solar energy works. You can take full advantage of the benefits in solar energy once you know how it works. For instance, panels facing south with no shade obstructions receiving maximum sun exposure during the hours of 9 a.m. and 3 p.m., will provide the greatest percent of energy. Significant savings occur when you have excess energy that is not consumed by your household. This excess energy can then be credited to your utility bill, saving you money.

For more advice you can trust and information you need for hiring the right contractor for your home improvement projects, go to www.bbb.org.

BBB Advises Internet Surfers to Use Caution When Using Wi-Fi Networks that Aren’t Their Own

4/7/2011

Posted on 4/7/2011 by

Protecting your identity is important and with Wi-Fi networks popping up nearly everywhere, many consumers don’t realize the dangers that come with using a Wi-Fi connection that is not their own. According to a recent poll conducted by Wakefield Research and Wi-Fi Alliance, 32 percent of respondents said they have tried to get on a Wi-Fi network that was not their own, a startling 18 percent more than a December 2008 poll. The Better Business Bureau, along with the Federal Trade Commission (FTC), urges consumers to think ahead before surfing the Web on a Wi-Fi hotspot.

Wi-Fi hotpots like coffee shops, libraries, airports, hotels and universities are all breeding grounds for hackers. According to the FTC, new hacking tools—available for free online—make hacking easy, even for users with limited technical know-how.

Consumers should be cautious before using a non-secure wireless network and before sending personal information via unencrypted websites. When surfing on a non-secure Internet connection, an individual’s personal information, private documents, contacts, photos and even login information can be up for grabs as other users on the network have the capability of seeing what is being sent.

Jocile Ehrlich,BBB President warns consumers against two popular security scams that can be associated with using an unsecure Internet connection. “Many consumers don’t realize the repercussions that come from using a Wi-Fi hotspot. Phishing, a popular e-mailing scam, and smishing, a SMS texting scam, grow exponentially when hackers obtain access to personal information on the Web via an unsecure Wi-Fi network.” BBB urges consumers to protect themselves from such scams by securing their Internet surfing.

In order to confirm that an Internet connection is secure, BBB advises consumers to follow the FTC’s top Wi-Fi tips:

• Make sure the connection is protected by a unique password. If a Wi-Fi hotspot doesn’t ask for a password, the Internet connection is not secure. If a hotspot asks for a password just to grant access, consumers should proceed as if the connection were unsecured. Only trust home and work internet connections that are protected by a customized user password. Wi-Fi hotspot connections with generic passwords are vulnerable to hackers.

• Transmitted information should be encrypted. When sending personal information like addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Look for https (the “s” stands for secure) at the beginning of the URL address to confirm its security.

• Don’t stay permanently logged-in to wireless hotspots. Never leave your Internet connection running while your computer is unattended and make sure to log-off after every use.

• Change your passwords frequently. When creating new accounts, make sure you use different passwords. Do not use the same password for different sites. If one password is hacked, the chances of other accounts being hacked becomes greater with repeated passwords.

For more advice on security scams, visit www.bbb.org or to learn more about protecting your privacy online and what to do if your information is compromised, visit www.OnGuardOnline.gov and http://www.ftc.gov/opa/2011/02/wireless.shtm.

Online Auto Scam: Best Auto Sales Inc.

4/5/2011

Posted on 4/5/2011 by Janice Clemente

When shopping for a vehicle online, BBB wants you to steer clear of a company called Best Auto Sales Inc operating the websites www.best-autosales.com and www.auto4sales.com. Their websites advertised great looking cars at reasonable prices, but the catch is that the cars don’t really exist. Instead, this company is operating a wire fraud scam. Using doctored photos of cars for sale, Best Auto Sales Inc dupes consumers into wiring thousands of dollars. The cars never arrive and the people behind the fake website can’t be located.

The photos are fake. We investigated a car advertised on their website – a 1972 Volkswagen Bus and found it odd that the same photo of the Volkswagen Bus posted on Best Auto Sales Inc’s website has been used in other advertisements on the internet. This car has supposedly travelled the country, having been bought and sold several times in Louisiana, Colorado and Washington since last summer. Best Auto Sales Inc is selling the car for $2,766 when it could possibly be worth twice that much.

We found another car, this time a 2004 Black Range Rover. The car is selling on Best Auto Sales Inc’s website for an incredibly low price of $5,400, when the vehicle really costs $21,000. We can be certain of the exact price because a private individual in Maryland is currently selling the vehicle online at www.cars.com. Note that the photos for both of the ads are an exact match.

The address isn’t real. We have other reasons to believe the Best Auto Sales Inc’s isn’t a real business. BBB researched the company's addresses and we are unable to verify the company's actual location. The Ohio address - 4447 Spurgeon Hill Rd., West Union, OH, 45693, actually belongs to another company named C & C Auto Sales, who is not affiliated with Best Auto Sales Inc.

Best Auto Sales Inc's website also says the company is headquartered in the United Kingdom, at 161 Manchester Road, Swidon, Wiltshire, SN1 1TU, United Kingdom. However, when checking that address, we found it belongs to a soil conditioning company, Natural Soil. As far as we can tell, Natural Soil is not affiliated with Best Auto Sales Inc.

The websites were just created in March and registered in Romania. BBB tried to contact the company by phone to find out exactly where they are located and get an explanation of the hijacked photos; however we were unable to reach a live person.

BBB advises consumers when shopping any classified advertisement, online or not, to:

· Think twice before purchasing anything from a seller out of state or out of the country. You have no way of verifying that person’s identity or that the product actually exists.

· Be especially suspicious if it’s an extraordinary deal. You can check the going price of most used cars on Kelley’s Blue Book’s website.

· Never wire money to an unknown person or address. Purchasing with your credit card will allow you to dispute a transaction if the seller doesn’t deliver, but don’t wire money and don’t provide personal account information.

· Always check with BBB before wiring money or responding to advertisements that boast unbelievable deals.

Data Breach Could Spell Trouble for Consumers

4/4/2011

Posted on 4/4/2011 by

Until this weekend, Epsilon wasn’t exactly a household name. But now that the marketing giant firm has notified its high-profile customers that it was the victim of a data breach, web results and social media trends about the company are growing by the minute.

If your bank, credit card lender, or favorite retailer is an Epsilon customer, you need to keep an eye on your email and a tight grip on your personal information. The same goes for parents and students signed-up with The College Board for prep tests and help with their college search.

Here is a sample phishing email sent to customers of Chase Bank.

“According to the notifications BBB received, only names and email addresses were compromised by the hack. Reports indicate that personal and financial information on file with Epsilon were not accessed,” said Jocile Ehrlich, BBB President. “However, it is very likely that information obtained during the breach could be used in phishing attacks designed to scare customers into divulging personal and financial information,” Ehrlich added.

While BBB has received notices from Best Buy, Kroger, Chase, U.S. Bank and The College Board, it has not been able to confirm exactly how many consumers are at risk. But the attack certainly has the potential of impacting a huge number of consumers. On its Web site, Epsilon states, “We are the world’s largest permission-based email marketing provider, sending over 40 billion emails annually.” In a press release, Reuters claimed this “…could be one of the biggest such breaches in U.S. history…”

BBB Tips to Avoid Phishing

Beware of any email asking for personal, financial or account information. Legitimate companies you rely on for your online shopping, financial needs and college tests will not request this information – they already have it.

Do not open any attachments. Attachments may contain malicious code that will infect your computer.

Do not click on any links. If you want to communicate with the business use your favorite search engine to find their Web site and/or contact information. Do not trust the information provided in the email.

Never provide your User ID or password in an e-mail.

Watch for strange emails from family/friends. Hackers sometimes use stolen information to pose as someone in your address book.

Make sure your computer’s spyware, spam filter and virus protection are up to date.

Report suspicious emails to www.ic3.gov and your BBB.

At this time, the following organizations’ customer records have been reportedly compromised by the Epsilon data breach:

BJ’s
Barclays Bank of Delaware
Best Buy
Brookstone
Capital One
Chase
Citi
Disney Destinations
Home Shopping Network
JPMorgan Chase
Kroger
LL Bean
Marriott Rewards
McKinsey & Company
New York & Company
Ritz-Carlton Rewards
The College Board
TiVo
US Bank
Walgreens

Fake UPS Email Alert

3/31/2011

Posted on 3/31/2011 by Janice Clemente

BBB warns consumers and businesses to be on the look out for any suspicious email from UPS. A new malware distribution campaign that generates emails posing as delivery notifications from United Parcel Service (UPS) is currently hitting people’s inboxes.

The rogue emails bear a subject of “United Parcel Service notification” and have spoofed headers to make it appear as if it originates from an infojs@ups.com address.

The contained message reads: “The parcel was sent your home address. And it will arrive within 7 business day. More information and the tracking number are attached in document below. Thank you.”

The attachment is called UPSnotify.rar, and it contains a file called UPSnotify.exe which is a trojan downloader. Once installed, this malicious file proceeds to download and execute additional malware on the computer.

BBB advises consumers to treat all email attachments with caution, even if the emails appear to originate from legitimate sources. Also, consumers should be aware that the name of various parcel delivery services like UPS, DHL, USPS, FedEx and others are constantly used to distribute malware. When in doubt, always call the company over the phone to inquire about your package.

To read the full article, visit http://news.softpedia.com/news/Fake-UPS-Email-Campaign-Serves-Malware-Cocktail-191161.shtml

BBB has other related articles about how to keep your computer safe:

Spotify Users: Beware of Trojan Attack

Keep your kids safe online by teaching them the seven stop signs

Can This E-mail be a Phony?

How To Reduce the Amount of Spam You Receive

Direct E-Cig 'Free' Offer For Smokeless Cigarettes Turned Into A Real Drag, Consumers Tell BBB

3/31/2011

Posted on 3/31/2011 by
Consumers who tried to take advantage of “free” Internet offers for smokeless cigarettes say they were burned by unexpected charges that totaled $100 or more, the Better Business Bureau (BBB) warns.

Customers from 44 states have filed more than 360 complaints against Direct E-Cig of Naples, Fla., and London, England, in the last year. More than 40 of those complaints came from Missouri and Illinois, including several from the St. Louis area.

Direct E-Cig has an “F” grade with the BBB, the lowest grade possible.

Michelle Corey, St. Louis BBB President and CEO, said Direct E-Cig failed to answer 170 of the complaints.

“The complaints point to a significant and ongoing pattern of problems with Direct E-Cig,” Corey said. “In most cases, consumers say they ordered what they thought was a free starter kit, only to find out later that the company billed their credit cards for $100, $200, or more. The cigarettes may be smokeless, but there is no question that a lot of customers felt they were watching their hard-earned dollars go up in smoke.”

On its website, Direct E-Cig calls its product “a revolutionary electronic smoking device designed as a great smoking alternative to traditional tobacco cigarettes.” The site says smokers can smoke “virtually anywhere, without the flame, ash, tar or carbon monoxide.”

Direct E-Cig is among several distributors of smokeless cigarettes. Other companies also offer free or discounted starter kits and then bill customers for the full price or enroll them in an ongoing program to receive cartridge refills and other products.

In response to some of the complaints, Direct E-Cig told the BBB its website notes that consumers must go through a cancellation process within 15 days “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” Several consumers said they received direct email solicitations from the company and never saw the cancellation policy.

Even if consumers are dissatisfied with the product and follow the return policy exactly, it appears that the so-called free trial offer will end up costing them money. The website notes that Direct E-Cig charges $7.50 for each opened or missing cartridge and a $10 restocking fee on all returns.

A man from Cincinnati said he signed up for a starter kith that was advertised to be "no cost" to him except for a $4.95 shipping and handling fee. He protested as soon as he found out that his credit card was billed more than $100 for the kit. "Little did I know that their ad was deceptive, manipulative and totally misleading."

A woman from Villa Ridge, Mo., said she was searching the Internet for aids to help her quit smoking when she came upon a glowing review for Direct E-Cig on what she thought was an independent consumer site – Consumer Guide USA. She has since learned that the site does Internet marketing for Direct E-Cig. She said she used her credit card to pay $4.95 shipping for what she thought was a free sample of the product, but later noticed charges on her card totaling $179. She is now working with the BBB to get the issue resolved. She called the product “a piece of crap” that did not ease her smoking craving. “What scares me more than anything is they have my credit card number.”

A St. Charles, Mo., man said he signed up for the $4.95 trial offer after his son forwarded him an email about Direct E-Cig. He said he was stunned when his credit card later was billed more than $100 for the kit. “I wasn’t satisfied and I told them that, but they didn’t seem to want to listen.”

A woman from Desoto, Mo., said “I will never order anything over the Internet again” after a similar experience with Direct E-Cig.

The highest number of complaints about Direct E-Cig have come from Texas (28 complaints), California (27), Illinois and Florida (26 each), New York (24) and Ohio (23). At least 16 complaints have come from Missouri.

A warning in small print on the Direct E-Cig website notes that “This product contains nicotine, a highly addictive substance. It has not been approved by the FDA as a smoke cessation device.”

The U.S. Food and Drug Administration has warned consumers about potential health risks associated with electronic cigarettes. The FDA has said the products can increase nicotine addiction among young people and may lead them to try other tobacco products including conventional cigarettes.

The BBB offers the following advice for consumers who are considering taking advantage of free or low-cost trial offers for smokeless cigarettes or other products:

Be very cautious of committing to trial offers, especially when you are asked to supply credit card information. Often, these offers require you to pay the full price for the product or automatically enroll you in an ongoing program as soon as the trial period is over.
Consumers often report difficulty canceling their agreements, even if they try to follow all requirements.
Understand that, in some cases, these companies can supply your contact information to other businesses.
Check out BBB Business Reviews by going to www.bbb.org or by calling 314-645-3300.

Contacts: Michelle Corey, President & CEO, 314-645-3300, mcorey@stlouisbbb.org, or Bill Smith, Trade Practice Investigator, 314-645-3300, tpc1@stlouisbbb.org, or Michael Dawson, VP of Marketing, 513-639-9134, mdawson@cincinnati.bbb.org

6 Signs Of A Scholarship Scam

3/23/2011

Posted on 3/23/2011 by

Within the last few years, the landscape of colleges and universities across the nation has changed. Achieving the test scores needed to be accepted to your dream school and paying for tuition once you’re there is much more difficult than it was 20, 10 or even five years ago. Dwindling federal funds and grants left a myriad of openings for scholarship and SAT prep scams to emerge.

The Federal Trade Commission (FTC) is warning consumers to use caution when approached by a company that is guaranteeing or promising scholarships, and using strong emotional appeal to get you to agree to share private financial information with them. Likewise, your BBB advises all consumers to use caution when buying SAT prep DVDs or courses over the phone or online.

While there are still many trustworthy and ethical companies out there with students’ best interest at heart, the BBB is warning students and parents of students alike to be wary of these tell-tale signs:

· Guarantees and promises: If you are approached by a company that assures you that you will receive a scholarship or higher test scores, but only if you sign up with them now, remember that legitimate deals are rarely one-time offers.

· Exclusivity: Be wary of companies that tout information that no one else could provide you. Most scholarship lists are public information, and while there are legitimate companies who compile lists you should know that none of that information is limited to just you.

· Requests for personal information: Whether they are offering you a list of scholarship opportunities or a series of classes to prepare for the SAT or ACT, make sure you see and understand the details of what they are proposing before you hand over your personal information. It is critical that you make sure you are giving your money to an ethical business.

· Advance fee: Don’t pay ahead of time for a company to find you a scholarship. Be wary of giving money to a representative who cannot answer all of your questions to your satisfaction, but requires upfront payment for services yet to be rendered.

· Awards for contests you never entered: The chances of you being awarded a scholarship you never applied for are very small. Don’t be fooled into giving away personal information: If you receive a phone call from a representative claiming you have been chosen for a scholarship, ask for more information in writing, and make sure that you keep a detailed list of the scholarships for which you did, in fact, apply.

· Phone calls claiming that your son/daughter requested a program: Often, SAT/ACT prep course scammers will call households claiming that the parent’s student requested the company’s program. This pressured parent will transfer hundreds of dollars and personal information over the phone only to discover later that their child has never heard of the company.

BBB reminds you to always come prepared with questions for the company’s representative. If you do the proper amount of research on the company or service from which you are intending to buy, then you are far less likely to be the victim of a scam. Also, check with BBB.org to find business and charity reviews on companies with whom you are considering doing business.

Is it time to change your batteries?

3/22/2011

Posted on 3/22/2011 by
When was the last time you changed the batteries in your smoke alarm and carbon monoxide detector? When was the last time you tested them? As everyone turned their clocks forward last weekend, the U.S. Consumer Product Safety Commission (CPSC) recommended consumers also change their batteries and test their devices.

The CPSC recommends that batteries on both smoke alarms and carbon monoxide detectors be changed once a year. They also recommend testing both devices monthly.

Since carbon monoxide is a colorless, odorless, poisonous gas, it is important for consumers to have carbon monoxide detectors as they can’t see or smell the gas.

For more safety tips to prevent carbon monoxide poisoning and fires, visit www.FireSafety.gov.

Discover Cincinnati

3/18/2011

Posted on 3/18/2011 by Trisha Sefakis

Discover Cincinnati Information

Salvation Army warns against phony email

3/18/2011

Posted on 3/18/2011 by

The Salvation Army has issued a warning to individuals about a phony email appeal that asks for donations to the Salvation Army’s relief efforts in Japan. While the email uses actual language used by the organization to make a traditional appeal and also lists the organization’s mission statement, the email address being used is not a valid Salvation Army Address, officials said.

The phony email asks individuals to send personal information as well as a donation amount, minimum of $100 to an email designated as donations@salvationarmyrelief.zzn.com

According to Faithe Colas, community relations director for The Salvation Army of Greater Milwaukee, the scam was originally reported in Indiana, but as a precaution the warning was issued nationwide. Here’s the full article.

FINRA Warns of Facebook Pre-IPO Scams

3/18/2011

Posted on 3/18/2011 by Leslie Kish

The Financial Industry Regulatory Authority (FINRA) is alerting consumers to watch out for scams purporting to offer investors access to pre-IPO shares of well-known social media companies such as Facebook. They have a detailed investor alert called Pre-IPO Offerings – These Scammers Are Not Your Friends.

Tips from FINRA include:

· avoiding any unsolicited pre-IPO offer – investors should ask themselves, "Why would a total stranger tell me about a really great investment opportunity?";

· being alert to persuasion tactics – virtually all pre-IPO scams rely on the same recipe for a con: dangling the prospect of exclusive access to eye-popping returns at a discount if you act quickly;

· verifying whether the person touting the stock or investment is licensed;

· determining if you're being conned by a convicted criminal by using the Federal Bureau of Prisons Inmate Locator;

· using search engines to learn as much as you can about a solicitation and those behind it; and

· getting an unbiased second opinion from a licensed investment professional or an attorney.

If you’ve been the victim of an investment related scam, you can file a complaint with FINRA and your BBB.

BBB Tips for Tax Season

3/17/2011

Posted on 3/17/2011 by

BBB Tips for Tax Season

With tax filing season upon us, many people will get assistance from a professional tax preparer or tax software when filing their taxes this year. The Better Business Bureau of Metropolitan New York encourages taxpayers to use caution when selecting tax preparation help or they may end up with headaches as well as mounting fines and fees if the return isn’t correct or filed late. Keep in mind that the IRS also announced that taxpayers have until April 18^th to file their tax returns this year.

Unfortunately, every year BBB receives thousands of complaints from consumers against tax preparers. Commonly, complainants state that the tax preparer made errors in their return which resulted in fines and fees.

“Even though the tax preparer completes the return, it’s the taxpayer who is ultimately responsible for the return’s accuracy and whether or not it’s filed on time,” said Jocile Ehrlich, President and CEO.

BBB offers the following advice to find a trustworthy tax preparer:

Ask around.

Get referrals from friends and family on who they use and check the BBB Reliability Report on tax preparation services at www.bbb.org.

Look for credentials.

Ideally, your tax preparer should either be a certified public accountant, a tax attorney or an enrolled agent. All three can represent you before the IRS in all matters, including an audit. Also, find out if the preparer is affiliated with a professional organization that holds its members to a code of ethics.

Be aware of new regulations.

The IRS has instituted a new oversight system. Part of this system is the Preparer Tax Identification Number (PTIN). All tax preparers (individuals who prepare taxes for compensation) including attorneys, certified public accountants, public accountants and enrolled agents are required to have one. When meeting with your tax preparer make sure they have a PTIN; otherwise they are not authorized to prepare taxes.

There are other parts of the new oversight plan to be instituted mid 2011 and later, part of which is a competency exam that, CPAs, attorneys and enrolled agents are exempt from.

Although these compensated tax preparers are required to have a PTIN, it is your name on the tax return and your responsibility to make sure that they have a PTIN and that it is up to date.

Don’t fall for the promise of a big refund.

Be wary of any tax preparation service that promises larger refunds than the competition, and avoid any tax preparers who base their fee on a percentage of the refund.

Think about accessibility.

Many tax preparation services only set up shop for the months leading up to the tax filing deadline, which this year is April 18. In case the IRS finds errors, or in case of an audit, you might need to be able to contact your tax preparer throughout the year.

Read the contract carefully.

Read tax preparation service contracts closely to ensure you understand issues such as how much it is going to cost for the service, how the cost will be affected if preparation is more complicated and time consuming than expected and whether the tax preparer will represent you in case of an audit.

Prepare your information carefully and be honest with your tax preparer.

The more information you bring to your tax preparer the better they will be able to help you. Though the tax preparer can be held for negligence, it is your name on the tax form and the IRS will hold you responsible for any cases of fraud.

For more advice on finding professionals you can trust, visit www.cincinnati.bbb.org.

You can also visit the IRS website for updates and other information pertinent to the current tax filing season.

Flood Tips

3/15/2011

Posted on 3/15/2011 by
For more information on flooding please visit BBB's Comprehensive Flood Resource Center.

BBB Welcomes March Accredited Businesses

3/15/2011

Posted on 3/15/2011 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

A & G Driving Academy
2035B Tri County Road
Winchester, OH 45697
(937) 695-5001

A to Z Consignment & Antique Shop
819 East Main Street
Vevay, IN 47043
(812) 427-9405

Abide Remodeling
1165 Chappelow Ridge Road
West Harrison, IN 47060
(513) 921-1721

Absolute Appliance Repair, LLC
3864 Banks Road
Cincinnati, OH 45245
(513) 549-4932

Affordable Energy Solutions of Cincinnati
2138 Schappelle Lane
Cincinnati, OH 45240
(513) 317-4208

Alba Manufacturing, Inc.
8950 Seward Road
Fairfield, OH 45011
(513) 874-0551

All Around Joe LLC
1169 Muirwood Lane
Batavia, OH 45103
(513) 348-6577

All Creatures Pet Sitters, LLC
6430 Hunting Creek Drive
Liberty Township, OH 45044
(513) 737-3872

American Wood Source, LLC
139 Harmon Avenue Suite B
Lebanon, OH 45036
(513) 228-1297

At Your Service Catering & Event Planning LLC
9405 Cincinnati Columbus Road
West Chester, OH 45069
(513) 889-3762

Barefoot Custom Decks and Remodeling
3887 Glendale Milford Road
Cincinnati, OH 45241
(513) 769-1935

Basement Restoration Technologies
10235 Spartan Drive Suite R
Cincinnati, OH 45215
(513) 322-2499

Best Diagnostic Services Inc.
9403 Kenwood Road Suite C109
Cincinnati, OH 45242
(513) 793-2283

Betz Music
5912 Glenway Avenue
Cincinnati, OH 45238
(513) 921-9947

CB Consultation
2924 Palmetto Court
Florence, KY 41042
(513) 443-2477

Chaney's Lawn Service, LLC
2009 Erie Avenue
Middletown, OH 45042
(513) 267-0699

Cincinnati Window Design, LLC
3710 Drakewood Drive
Cincinnati, OH 45209

619 Riegart Square
Fairfield, OH 45014
(513) 377-8819

Clifton's Creative Design
90 Alexandria Pike Suite 19
Fort Thomas, KY 41075
(859) 663-6341

Comprehensive Title Corporation, LLC
8040 Hosbrook Road Suite 315
Cincinnati, OH 45236
(513) 258-2494

Conley Trucking, LLC
195 Slocum Heights Road
Portsmouth, OH 45662
(740) 776-7634

Dave Kinder Construction, LLC
13681 Stablegate Drive
Walton, KY 41094
(859) 356-5808

David W. Kapor Attorney at Law
2306 Park Avenue Suite 102
Cincinnati, OH 45206
(513) 721-2820

Dirty Rug Carpet Care, LTD
1274 Winstone Court
Cincinnati, OH 45255
(513) 378-8995

Distinct Designs Salon & Spa
1102 West Kemper Road
Cincinnati, OH 45240
(513) 851-0300

Dixon Builders
8050 Beckett Center Drive
West Chester, OH 45069
(513) 887-6400

Don's Fairfield Auto Service, LLC
6122 Winton Road
Fairfield, OH 45014
(513) 860-2280

Executive Management Services, Inc.
1202 Second Avenue
Dayton, KY 41074
(859) 581-7000

First America Corporation
2400 East Sharon Road
Cincinnati, OH 45241
(513) 821-1000

Funducate LLC
8192 Celestial Circle
Liberty Township, OH 45044
(513) 759-4900

Hall's Welding and Fabrication LLC
15 Shelton Road
Peebles, OH 45660
(513) 218-0197

Hamilton Parker Company, LLC
2945 East Kemper Road
Cincinnati, OH 45241
(513) 276-4840

HHA Services, Inc.
Cincinnati, OH 45202
(800) 442-1140

Home Away From Home Childcare
2093 Harrison Avenue
Cincinnati, OH 45214

2136 Harrison Avenue
Cincinnati, OH 45211
(513) 386-8244

Hyde's Restaurant, Inc.
130 South Erie Highway
Hamilton, OH 45011
(513) 892-1287

Imagine Landscape Possibilities, LLC
6615 Plainfield Road
Cincinnati, OH 45236
(513) 205-1460

Imperial Painting Services LLC
7730 Crystal Lake Lane
Maineville, OH 45039
(513) 330-3288

Jack's Lawn Care
3622 Morris Place
Cincinnati, OH 45226
(513) 520-2330

Joel Jentelson Insurance
4555 Lake Forest Drive Suite 650
Blue Ash, OH 45242
(513) 563-3530

Johnny On The Spot Cleaning Services
PO Box 672
Williamsburg, OH 45176
(513) 300-9766

JPT Construction LLC
4877 Bordeaux Lane
Mason, OH 45040
(513) 407-1551

Kingdom Builders Custom Remodeling LLC
1545 Independence Road
Independence, KY 41051
(859) 620-6670

Krauland, Inc.
11554 North Dearborn Road
Sunman, IN 47041
(812) 623-3292

Kruse & Crawford Certified CPAs
700 West Pete Rose Way Suite 330
Cincinnati, OH 45203
(513) 381-2345

Larry's Lawn Care
4444 Anchorage Road
Cincinnati, OH 45226
(513) 866-3327

Lawn Shark Mowing -Yard Service
4012 Timberview Road
West Harrison, IN 47060
(513) 607-8672

Lawyers Title Insurance Corporation
4555 Lake Forest Drive Suite 200
Cincinnati, OH 45242
(513) 985-0550

MACA Plastics, Inc.
3455 Cross Road
Winchester, OH 45697
(937) 544-8618

Main Street Family Advisors, Inc.
4700 Ashwood Drive Suite 150
Cincinnati, OH 45241

PO Box 1280
West Chester, OH 45071
(513) 891-7019

Marty B's General Klean
6940 Home Street Suite 2
Silverton, OH 45236
(513) 709-9850

Mastercraft Restoration
120 North Sycamore Street Suite 1
Lebanon, OH 45036
(513) 479-0035

Matt's Handyman Service
7211 Vinnedge Road
Fairfield, OH 45011
(513) 403-2401

McKenzie & Snyder LLP
229 Dayton Street
Hamilton, OH 45011
(513) 737-5180

Menning Carpentry, LLC
331 Maddox Road
Alexandria, KY 41001
(859) 635-7221

Mercedes-Benz of West Chester
5897 Mulhauser Road
West Chester, OH 45069
(513) 870-1000

Modern Drywall Company
1404 Compton Road
Cincinnati, OH 45231
(513) 522-4059

Molloy's on the Green
10 Enfield Street
Cincinnati, OH 45218
(513) 851-5434

Neff Landscape & Maintenance, Inc.
1234 Old State Route 74
Batavia, OH 45103
(513) 753-6333

Newman Meats & Groceries
223 West Broadway Street
Wellston, OH 45692
(740) 384-2886

Newsad Insurance Services, Inc.
3121 Central Avenue
Middletown, OH 45044
(513) 424-6871

Nicole Lynn Photography LLC
220 West Main Street
Williamsburg, OH 45176
(513) 543-7891

Peebles Monument Company
172 North Main Street
Peebles, OH 45660

236 North Market Street
West Union, OH 45693
(937) 587-2210

Peru's Tree Service, LLC
6549 Kristine Drive
Hamilton, OH 45011
(513) 554-1403

Queen City Transitions, LLC
425 Sanford Street
Covington, KY 41011
(513) 432-2020

Raemar Construction
5738 Yamassee Drive
Liberty Township, OH 45011
(513) 759-4027

Randy's Mobile Lube
4263 Orchard Lane
Cincinnati, OH 45236
(513) 687-8897

Rauch Excavating, Inc.
3724 Middleboro Road
Morrow, OH 45152
(513) 899-4500

Red Dragon Cakes LTD
7868 Red Fox Drive
West Chester, OH 45069
(513) 755-3963

Renew Reuse Roof Cleaners, LLC
3163 Celeron Avenue
Cincinnati, OH 45209
(513) 374-5057

Rid-X Pest Control, Inc.
4468 Foley Road
Cincinnati, OH 45238
(513) 921-7439

Rolfes International, LLC
30 Reily Road
Cincinnati, OH 45215
(513) 821-8222

Second Nature Furniture Restoration
594 Northland Blvd
Cincinnati, OH 45240
(513) 316-7279

Signature Renovations Group LLC
6250 Muirfield Court
Fairfield, OH 45014
(513) 284-3017

Starr Custom Cabinetry
601 West Main Street
Batavia, OH 45103
(513) 735-5000

Stealth Foundation, LLC
1020 Marcie Lane
Milford, OH 45150
(513) 489-0332

Steven J. Myers Custom Siding & Trim
20 High Street Suite 214 A
Hamilton, OH 45011
(513) 967-5715

Tackett's Body Shop, Inc.
410 South 2nd Street
Ironton, OH 45638
(740) 533-2835

The Christenson Group Inc.
726 Mohawk Trail
Milford, OH 45150
(513) 334-0848

The Works IT, LLC
2159 Seeley Road
West Harrison, IN 47060
(513) 549-3887

Tiny Steps Development Center
4311 Simpson Avenue
Cincinnati, OH 45227
(513) 271-3731

Tony Lane Automotive
519 Ash Street
Elsmere, KY 41018

7525 Industrial Road
Florence, KY 41042
(859) 360-5532

Tree Top Tree Trimming
2694 Bergen Road
Batavia, OH 45103
(513) 256-5634

Tri State Adventure Boot Camp
10086 Simonson Road
Harrison, OH 45030
(513) 910-8444

Wethington Design Build LLC
6937 Palmetto Street
Cincinnati, OH 45227
(513) 561-8300

WJ Painting & Repair
3232 Orangeberg Court
Cincinnati, OH 45251
(513) 378-7512

Womens Health Care of Northern Kentucky PSC
20 Medical Village Drive Suite 354
Edgewood, KY 41017
(859) 331-4665

FDIC Announces “Top 10” Online Consumer Resources

3/15/2011

Posted on 3/15/2011 by Leslie Kish

If you are looking to learn how to shop for a bank account, maintain a budget, build savings and avoid financial scams, the FDIC has some online resources for you.

• "EDIE," the FDIC's Electronic Deposit Insurance Estimator: An online calculator that assists consumers and businesses in determining their deposit insurance coverage for each FDIC-insured bank where they have deposit accounts. EDIE also provides a printable report showing whether those deposits are fully protected or if some exceed the federal limits.

• FDIC Consumer News: The FDIC's quarterly publication for consumers offers information and tips on credit cards, bank accounts, loans, scams, money management, and much more. Consumers can also listen to articles anywhere, anytime online or by downloading to an MP3 player.

• Bank Find: Our online directory that consumers can use to locate an FDIC-insured institution, learn what happened to a bank that changed names or no longer exists, and more.

• Customer Assistance Form: An easy-to-use form to submit a question to the FDIC or a complaint regarding a financial institution. Of course, consumers with questions or concerns can also call the FDIC toll-free at 1-877-ASK-FDIC, which is 1-877-275-3342.

• Consumer Alerts: Warnings about financial frauds and scams.

• Small Business Web Page: Useful information for small businesses, especially regarding access to loans, plus an online form to ask the FDIC a question or register a concern.

• The FDIC YouTube Channel: Videos on topics such as deposit insurance and Internet fraud and messages from FDIC Chairman Bair.

• Money Smart: A financial education curriculum concentrating on the development of consumers' financial skills and positive banking relationships.

• Foreclosure Prevention Toolkit: A Web page that provides easy access to helpful information for homeowners on avoiding foreclosure and foreclosure "rescue" scams.

• E-mail updates: Sign up to receive e-mail notices of each new issue of FDIC Consumer News, Consumer Alerts, and other announcements and publications from the FDIC. Consumers can also follow the FDIC on Twitter and Facebook.

Insurance Department, Natural Resources, ODOT and Ohio EMA Team Up For National Flood Safety Awareness Week

3/14/2011

Posted on 3/14/2011 by

March 14-18, 2011 has been designated National Flood Safety Awareness Week. The Ohio Department of Insurance, Ohio Department of Natural Resources, Ohio Department of Transportation and Ohio Emergency Management Agency are teaming up to inform Ohioans about the dangers of flooding.

During the week, the partnering agencies will provide valuable information to help Ohioans prepare their vehicles, homes and property for a flood, keep them safe during a flood, and help them recover should they experience a flood.

To assist individuals in better understanding flood risks in Ohio and nationwide, the Federal Emergency Management Agency (FEMA) and the National Oceanic and Atmospheric Administration (NOAA) have created an interactive “flood impact map” that features localized, searchable data about the scope and severity of flood events in recent years. The map is available at www.floodsmart.gov/noaa . The web page also contains tips on what to do before, during, and after a flood. It also encourages flood insurance protection among other safety measures.

The primary mission of the Ohio Emergency Management Agency is to coordinate activities to mitigate, prepare for, respond to and recover from disasters. This mission is carried out by closely interfacing with local, state and federal agencies in an effort to bring resources of recovery and support to Ohioans impacted by the disaster. In addition to disaster response and recovery, Ohio EMA agency activities include: education, training, planning and preparedness, strengthening Ohio's first responder capabilities, and improving communication across the state.

The Ohio Department of Natural Resources ensures a balance between wise use and protection of natural resources for the benefit of all. Visit the ODNR Web site at ohiodnr.com .

The Ohio Department of Transportation (ODOT) serves million of travelers each day by providing safe and efficient highways, assistance to transit, rail, airports, maritime ports and river terminals, and local governments who maintain multi-use paths. If faced with a disaster, ODOT has the resources and readiness to assist law enforcement in restoring Ohio's transportation system to one that is safe and open for business.

The mission of the Ohio Department of Insurance is to provide consumer protection through education and fair but vigilant regulation while promoting a stable and competitive environment for insurers. Consumers with insurance questions can call the Department’s toll-free consumer hotline at 1-800-686-1526 or visit the Department's website, www.insurance.ohio.gov .

After Grand Opening, Beeftown USA Disappears

3/14/2011

Posted on 3/14/2011 by Janice Clemente

Consumers hoping to take advantage of Beeftown USA’s deal to get “150 lbs of beef for 3 easy payments of $49.95,” as advertised in the local Reach Magazine and the Dayton Daily News last February, may be out of luck. The company appears to have left the Cincinnati and Dayton area. The Beeftown USA locations at 763 Reading Rd, in Mason and 480 E Main St, in Wilmington are now closed.

The sudden disappearance of Beeftown USA is only one of the many lingering mysteries surrounding the business. BBB contacted them about their advertising, specifically requesting that the business provide evidence that customers would receive a $20 Gas coupon, 10 ribeye steaks or 10 prime rib cuts, 40 sirloin steaks and 50lbs of bonus meat, all for free.

Some consumers alleged that the company charged them more than expected and that the business's pricing model was confusing. We’ve also received reports from customers saying they were unable to simply pay for the beef in cash. In other words, Beeftown USA wouldn’t sell them anything unless customers agreed to establish credit.

We asked the company to explain their pricing model and disclose their financing terms, but we haven’t received any reply. The phone for their Wilmington location is disconnected and the voice mailbox for their Reading Rd location is full and will not accept new messages.

If you have any information concerning the whereabouts of Beeftown USA or if you would like to tell us about your personal experience with the company, please let us know. We would be happy to hear from you. We also have helpful tips if you are interested in learning more about buying bulk meats.

Flood Tips

3/11/2011

Posted on 3/11/2011 by
For more flood information please visit BBB's Comprehensive Flood Resource Center.

Flood Tips

3/11/2011

Posted on 3/11/2011 by
Flood Tips Video

For more flood information please visit BBB's Comprehensive Flood Resource Center.

BBB Advises Donors on Tsunami Relief Efforts

3/11/2011

Posted on 3/11/2011 by
In the wake of the most powerful earthquake to ever hit Japan, many Americans want to help those impacted by the earthquake and the tsunami that followed. Your Better Business Bureau warns donors to exercise caution when making donations to relief agencies and charities.

As with every natural disaster, there are unscrupulous people who will attempt to take advantage of the public’s eagerness to help victims.
“In the face of any disaster, Americans will immediately step forward with donations to aid the victims and their families,” said Jocile Ehrlich, president and CEO of your BBB. “Unfortunately, we’ve seen time and time again that scammers will try to take advantage of the generosity of the public after a disaster; that’s why it’s so important to take your time and do your research before donating to relief efforts.”
Your BBB offers the advice for donors to ensure their donations go to trustworthy relief efforts.

Before donating, visit www.bbb.org/charity to research organizations you’re considering supporting.
Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs.
Ask for written information about the charity’s program(s) and finances such as the charity’s latest annual report and financial statements.
Ask what the charity intends to do with any excess contributions remaining once they’ve fully funded the disaster relief activities mentioned in solicitations.
Don’t give cash. Checks or money orders should be made out to the name of the charitable organization, not to the individual collecting the donation.
Beware fake charities that imitate the name and style of well-known organizations in an attempt to confuse donors.
Don’t give in to excessive pressure for on-the-spot donations. Be wary of any request to send a “runner” to pick up your contribution.
Be wary of any charity that is inexperienced in carrying out relief efforts but is suddenly soliciting for aid in the wake of the earthquake and tsunami. Although well intentioned, they may not be able to quickly deliver aid to those in need.
Be wary of appeals that are long on emotion, but short on describing what the charity will do to address the needs of victims and their families.
Don’t give your credit card number or other personal information to a telephone solicitor or in response to an e-mail solicitation.
Make sure your contribution is tax deductible: donations should be made to charitable organizations that are tax exempt under section 501(c)(3) of the Internal Revenue Code. Go to IRS Publication 78 on the IRS’ website for a current list of all organizations eligible to receive contributions deductible as charitable gifts.

For additional information you can trust when making giving decisions, or to view BBB Wise Giving Reports on charities across the nation, start with bbb.org.

Can't Wait for Your Refund?

3/11/2011

Posted on 3/11/2011 by

Each year, some anxious tax filers expecting refunds, choose to take out a Refund Anticipation Loan to speed the return of their money.

According to a report released by the National Consumer Law Center and the Chartered Financial Analyst Institute, the most recent IRS data states that 7.2 million taxpayers received RALs in 2009. RALs are short-term loans that are paid back once the refund has been received from the IRS. Some tax preparers also offer a Refund Anticipation Check. The RAC is facilitated through a bank in partnership with the tax preparer. In the case of a RAC, a temporary bank account is established into which your IRS income tax refund will automatically be deposited.

However, if consumers borrow more than their refund actually may be, they will have to pay back the bank, and there could be fines and fees attached.

"The taxpayer may assume that the loan will be paid off quickly when the refund arrives, but problems can arise if the refund is less than the loan,” said Jocile Ehrlich, President/CEO of BBB| Greater Cincinnati. “In the event of a shortage, you must repay the difference and get stung with fees and fines."

As the appeal of electronic filing and lighting fast refunds grow, scammers are increasingly creative in deceiving individuals into handing over personal information and money. Phishing e-mails have warned individuals of an issue delaying the processing of their taxes. The often convincing, yet fraudulent e-mails provide phony links and look-alike websites to gain social security, bank and credit card account numbers. Taxpayers should be aware that the IRS will not e-mail you about your taxes.

Educated Consumers are Safer Consumers

3/11/2011

Posted on 3/11/2011 by

Have you been on the bad end of an Internet transaction? If so, you’re not alone.

According to the 2010 Internet Crime Complaint Center Report, nondelivery or nonpayment of merchandise ordered online accounted for 20.5 percent of all complaints filed last year. The median loss per victim was $990. IC3 is a partnership between the Federal Bureau of Investigation and the National White Collar Crime Center.

Credit-card fraud and identity theft were second and third in the number of consumer complaints. Total loss came to $11.6 million in complaints reported to the IC3.

While it would be nice if all businesses and customers operated in a trustworthy and ethical fashion, the truth of the matter is, they don’t.

The on us is on you to be a smart consumer and to become educated in all facets of scams and fraud – many of which share the same red flags.

To help, the Better Business Bureau and other consumer groups are partnering with the U.S. Federal Trade Commission for National Consumer Protection Week, March 6-12.

Get everything in writing and always read the fine print.
Contracts, customer agreements and fine print protect the business and outline the terms of the agreement with the customer. While it’s natural to want to avoid reading the legalese, it’s important that customers understand their rights. Whenever signing a contract, your BBB recommends reading the fine print carefully. Also, don’t just take a sales associates’ word for it; get all verbal promises in writing.

Protect your identity — and your pocketbook.
Fighting identity theft means staying vigilant online and off. Protect your identity by taking the following steps:
• Always shred sensitive documents that include personal financial information such as bank, credit card and Social Security numbers.
• Monitor your financial accounts closely to more quickly detect suspicious activity.
• Make sure your computer has up-to-date antivirus software and be extremely selective when opening attachments or clicking on links in e-mails.
• Shop online through secure sites only and always confirm that the business is trustworthy before entering your credit or debit card number.

Never wire money to someone you don’t know.
Many scams bilk victims by convincing them to wire money. The reasons for wiring money can vary and include mystery shopping, paying fees to win a lottery and — if the target is a small business owner—overpayment for goods or services. Scammers know it’s extremely difficult to track money sent via MoneyGram or Western Union. More troubling for victims is the fact that it’s nearly impossible to get your money back. Even if you’ve been given a check to supposedly cover the amount you’re wiring, never send money to someone you don’t know personally.

Know where to complain.
If you’ve been ripped off by a business, there are any number of organizations and government agencies that want to hear about it. You can file a complaint with:
• Your BBB;
• Federal Trade Commission at ftc.gov; and
• Colorado Attorney General at coloradoattorneygeneral.gov.
If you’ve been ripped off by a scam online — such as a phishing e-mail or deceptive website — you can also file a complaint with the Internet Crime Complaint Center.

Always check businesses out with BBB.
Nearly 400,000 businesses bear the BBB seal of accreditation and meet our standards; you can find the seal on websites and at business locations. However, the BBB doesn’t just report on accredited businesses. You can check out BBB Business Reviews for nearly 4 million businesses across the United States and Canada.

A BBB Business Review will tell you how many, if any, complaints the company has received, whether the company responds to complaints and much more.

Good Cars for High Fuel Prices

3/11/2011

Posted on 3/11/2011 by

As gas prices continue to climb above $3.50 a gallon, the point at more than half of consumers would consider buying a more fuel-efficient car, many wonder which models are best. CBS Money Watch offers their top picks.

Sales of hybrid and electric cars rose an astounding 19% in the month of February. However, before buying one of these models, it is important to think about how much money it will actually save you in the long-run. Try calculating the “payback time,” the point at which the money you save on gas exceeds the extra amount you pay for the hybrid or electronic car. For instance, Nissan Altima Hybrid, with a list price of $26,800 has a payback time from extra mileage over the gas Altima of 10.3 years, longer than most people would own the car.

CBS Money Watch recommends the following vehicles based on their payback times:

1.) Toyota Prius-This hybrid car gets an impressive 51 mpg in city driving and 48 mpg on the highway. At $23,050, it costs only $620 more than the comparable gasoline Toyota Camry. They payback time is only about eight months.

2.) Lincoln MKZ Hybrid- This sedan costs the same amount as the gasoline version-$34,605. Instead of a payback time, buyers must choose between a car that gets better gas mileage (the hybrid) or a car that is more powerful (the gasoline version).

3.) Mercedes-Benz GL-Class Diesel-The diesel version of this car starts at $61,950, or about $1,000 less than the gas model. However, buyers in this price league probably do not need to worry about the cost of diesel fuel, which can be pricier than regular gas.

4.) Audi A3 Diesel- At $29, 950, the Audi A3 Diesel costs $1,432 more than the gas model. But with its rating of 30 mpg in city driving, 42 mpg on the highway, it will pay back the difference in 2.3 years.

To read the full article, visit http://moneywatch.bnet.com/saving-money/blog/cars-money/gas-prices-hybrids-diesels-not-always-the-biggest-money-savers/2450/

BBB Honored by Hamilton County Greg Commissioner Hartmann

3/10/2011

Posted on 3/10/2011 by
Hamilton County Greg Commissioner Hartmann on March 9, 2011 presented to Jocile Ehrlich, President & CEO and Leslie Kish, Vice President of Operation of Better Business Bureau a proclamation honoring BBB’s exemplary services in consumer advocacy and protection. BBB is a partner in the Hamilton County Coalition to Stop Fraud, Scams & Abuse.

Energy Saving Begins at Home

3/10/2011

Posted on 3/10/2011 by

According to industry experts, many consumers can expect to see their natural gas heating bills rise at least 50 percent this winter due to a combination of cold weather and low inventories. Whether you heat your home with oil, natural gas, or electricity, the Better Business Bureau, along with the Federal Trade Commission (FTC), offer some tips to help you save money and stay warm this winter.

For starters, conduct an energy audit to help detect waste and gauge the efficiency of your current heating system. Your utility company may offer free or low-cost energy audits, or you can conduct your own. For example:

· Check your attic, attic stairway, attached garage walls and basement to make sure your home is insulated to the Department of Energy-recommended levels for your area. When inspecting and buying home insulation products, look for the R-value. The higher the R-value, the greater the insulating power.

· Wrap your hot water heater in an insulating jacket.

· Schedule an annual inspection for your heat pump, furnace or boiler. Your utility company may provide this service.

· Hire a professional to seal and insulate leaky ducts and to ensure that the airflow distribution system serving your heating equipment is operating at peak efficiency.

· Clean or replace filters on forced air-furnaces, seal flues in fireplaces you don't use, install drapes or some other covering on windows, and seal holes around plumbing and heating pipes.

· Check caulking and weather-stripping, and repair where necessary.

· Close your foundation vents in the winter if there's a crawl space under your home.

The BBB also warns consumers carefully evaluate advertising for energy-saving products and services. Some claims may be overpriced or just plain bogus. Be wary of devices, gadgets, and energy-saving products that promise drastic reductions in home heating costs or extreme energy savings. Check with the BBB before hiring contractors offering furnaces, windows, roofing, or other heat-saving home improvement projects.

Will That Be Plastic or Plastic?

3/10/2011

Posted on 3/10/2011 by
Do you realize which card carries the most risk? A stolen credit card or a stolen debit card? Without a doubt a stolen debit card carries more risk.

Federal law says that you can only be held liable for $50 of fraudulent charges on your credit card. Many banks will waive that charge.

According to www.federalreserve.gov if your debit card is stolen your loss is limited to $50 --- but you have to tell the financial institution within two days after learning of the loss or theft of your card. If not, you could be held liable for $500.

There’s more. If you let the unauthorized transaction go unreported more than 60 days after it appears on your statement, you are liable for all the charges! However, if you check your bank account transactions online at least once a week, you are going to know what is going on with your account.

There’s an even bigger problem with the debit card. The thief can clear out your entire bank account by using your PIN at an ATM. This leaves you with no money to pay your bills. Granted, the bank could cover most of your losses and return money to your account, but that will take time to do the necessary investigation.

Also, because the money for your transaction with a debit card is taken at the point of purchase, you could possibly run your balance too low and end up with an expensive overdraft charge.

Some people argue that it is better to use a credit card because you are using someone else’s money until the statement is due. So, if you are charging at the beginning of the billing cycle you have a month to use someone else’s money.

I like to use a debit card for those small dollar amount transactions. You don’t have to carry as much cash, plus you don’t have a bunch of small transactions on your credit card to check at statement time. Plus, many times businesses don’t like you to make charges for a small purchase.

In my wallet you will find both credit cards and a debit card. They each meet different needs. What works best for you? Why?

Financial Fitness Day

3/7/2011

Posted on 3/7/2011 by

Exciting news! United Way and community partners are sponsoring our first ever community wide Financial Fitness Day. Financial Fitness Day scheduled for Saturday, April 2nd, 9AM-3PM at Xavier University is designed to boost the financial fitness of community participants. Please help spread the word by disseminating the attached flyers and press releases to your consumers, staff and partners.

The day is planned to be fun, informative and beneficial to individuals and families in the community. We will have free workshops, one-on-one expert consultations, tax preparation services and even fun give-a-ways for participants. All pre-registrants are automatically entered into drawings for a flat screened TV and other prizes! Don't miss it and please help spread the word! Check out http://www.uwgc.org/FinancialFitnessDay to pre-register and for more information . Thanks ahead

Did I Really Win a Sweepstake?

3/4/2011

Posted on 3/4/2011 by Christine Baker

Chances are probably not, especially, if you didn’t enter anything. Everyday, we receive calls from the public asking us to check out a company to see if they won a sweepstake. They seem so routine to us because of the number of calls we receive, but to the public, it seems all too real.

Typically, here is what happens: You receive a letter saying you won a large portion of money and the check is included. You are instructed to go to the bank and cash it. The bank cashes the check and has to give you the money, however, the check hasn’t cleared yet. You strut out of the bank with the money and are typically required to wire money (often times a large portion) to an unknown person and then they will send you the award. (These scam artists want you to wire the money because it can’t be traced.) By the time the check actually clears the bank, you have wired the money, the check doesn’t clear and the bank comes back to you for the money -- that you already wired. That money is gone and you are out.

Unethical sweepstakes can usually be identified by the following red flags:

· Some form of payment is required up front, like an entry fee, advance payment of taxes, or shipping and handling charges. They may even require that you cash a check and send a certain portion back. Do not do this!

· They may announce that you have already won a prize or require that some purchase is necessary to enter.

· Mailings may appear to be a check or may even contain some implication of a government connection.

Law governs many aspects of sweepstakes promotion. Some of these include:

· Easy to read and understand disclosures.

· Notification that no purchase is necessary to win and that purchase does not increase odds of winning.

· Entry forms on products must include directions to participate without making a purchase.

· You should also expect to see a statement of odds of winning, as well as a description of the quantity and value of prizes.

Remember, if it sounds to good to be true, it probably is.

Butler County United Way Does Not Solicit Door-to-Door Donations

3/3/2011

Posted on 3/3/2011 by

The Butler County United Way has been contacted by the Liberty Township Police Department and made aware of a recent string of residential robberies involving an individual soliciting door-to-door for donations to United Way. Full artical.

6 Tips For Car Buyers

3/1/2011

Posted on 3/1/2011 by

Investing in a car is a big responsibility. Whether you are a first-time buyer, a veteran at the dealership, or even a 16 year-old, buying a safe, reliable car that is also the right choice for your lifestyle is no easy feat. There is so much to consider these days (size, gas mileage, color, level of coolness), that often easy but important tasks are forgotten.

Here is some food-for-thought on buying a dependable new or used car:

Know your credit score before searching for car or for an auto-loan. You are less likely to be scammed by a new or used car salesman, or finance manager, if you know for which loans you do and do not qualify.

Do your homework. Know before you start shopping how much you can afford to put down and how much your monthly payments will be. Even though you may be able to find a car loan that only requires a 5% down payment, make sure you remember that the lower your down payment, the higher your monthly and overall payment on the vehicle.

Know the total amount you want to spend on your car. When it comes to buying a car, people often shop according to the monthly payments they can afford. If you do this, the sales person has more opportunity to convince you to buy a more expensive car (more than you want or can afford), but with less monthly interest or a longer loan amount. Best to go in knowing the TOTAL you want to spend on the car and let the dealership figure out how to take that total amount and make it work to also fit your monthly budget.

Read dealership reviews. Your BBB monitors both used and new car dealerships. Before you lay all of your trust in a dealer, check the BBB Business Reviews to see if they are Accredited, or if they have a good rating. Beginning with a reputable dealership should be a high priority.

Read the model reviews. Once you narrow down what type of car you would like to drive and how much you can pay, read reliability reports and personal experiences about the model of which you are interested. Consumer Reports and Kelley Blue Book both are excellent references.

Don’t throw the baby out with the bathwater. This is a tip only for used car buyers. If there is something wrong with the car you want, say worn tires or a burnt out headlight, you don’t have to walk away. Negotiate the price or ask the seller to fix the problem. If they simply refuse to compromise with you, then it might be time continue your search, but keep in mind that used cars are rarely in perfect condition.

5 Tips to Avoid Hackers and Computer Viruses

2/23/2011

Posted on 2/23/2011 by

Knowing how to use the Internet in the 21^st century can only be equivocated to having a super power. You can do things that people 30 years ago thought only The Jetsons would be able to accomplish: send letters without needing postage, turn your car on from your phone, operate traffic lights and fire, police and ambulance notification systems. The world is your oyster. However, like any super power, if all of this control is placed in the wrong hands, personal and public safety is called into question.

I try to use the Internet with caution, and I struggle to understand why anyone would hack into your computer or spread a virus. But, just last week, I was the victim of a Viagrus (an email virus touting Viagra). True, this email spammer does no actual damage to my computer, but there is sustained damage to my dignity.

Within moments of opening the Viagrus, it was sent to all of the friends and family in my contacts list. My dad, brother and husband didn’t miss a beat: Was I trying to send them a not so subtle signal? No, dad, I’m not angling for another sibling. No, it’s not a hint. The jokes flooded in, and, in a few days, I was rid of the Viagrus and a little wiser, too.

Even though, my situation could be resolved by a few uncomfortable jokes between father and daughter, brother and sister, it got me thinking: With so many hackers and viruses floating around the Internet, the need for understanding what viruses are and how they affect your virtual world is more important today than ever. Unfortunately, computer safety is rarely taken as seriously as it should. So listen up. Keeping your information safe is easy, just follow these steps.

Hacking

To understand what hacking is, think of it as virtual breaking and entering. A masked villain is infiltrating your computer to steal what is rightfully yours: your virtual property. Once hackers break in, they can alter important information, delete key files, and even crash an entire network of computers.

Most often, computer hackers break into large consumer websites. The goal: to steal bank account and credit card information. Consider these tips for your Internet security:

· Use a firewall. Even though hackers usually affect large company websites, that does not mean that home networks are completely safe. With a firewall in place, you can control your security, and filter what information from the internet is safe and what is not.

· Use caution when giving out personal information on the internet. We hear it all the time, but do we really listen? Use software to keep information safe, and only give out your information if you trust the company. Check the BBB Business Review before buying from a company of which you have no direct knowledge.

· Ignore your preconceived notions. Kids hack too. It’s hard to imagine a teenager that has the power and knowledge to bring a network of computers to their knees, but it’s been done. According to Martha Stansell-Gamm, Head of the Justice Department’s Computer Crime and Intellectual Property Section, an 18 year old “instructed 7,000 computers to attack Microsoft networks.” Teach your children safe computer practices, just as you would teach them that robbing a bank or driving drunk is wrong. Just because it’s virtual doesn’t mean the consequences are virtual too.

Viruses

Viruses are similar to hacking in that they exist to impair or destroy the infrastructure of your computer. However, much as its name would signify, a virus is like a common cold. It is easily passed from computer to computer through the Internet with nothing more that the click of a button or the opening of an email. Once it reaches as far as it can, the virus takes over the hosting computer.

Unfortunately, for its victims, viruses infect your computer often before you even know what you did wrong.

· Don’t open emails that are suspicious. It’s relatively common knowledge that you shouldn’t open an email that touts “FREE FREE FREE” or “VIAGRA CHEAP” in the subject line, but the landscape of email viruses has changed in the last few years. Now, viruses can appear as if they are coming from someone in your contacts. Make sure to monitor subject lines, even if you know the sender, and if you are the victim of an email virus, immediately warn your contacts because they are the next target. After that, change your password often over the next few weeks.

· Back up your information. Viruses can affect just your email, but, too often, they spread throughout your entire computer. While buying a new computer can be painful, losing pictures, documents and music can hurt even more. Once a month, once a week, even once a day, take the time to back up information that you can’t live without.

In summation, use your powers for good, but remember that the Internet houses many-a-Lex Luthor just waiting in the shadows for the opportunity to wreak havoc on your virtual life.

Seven Scams that Target Small Businesses

2/18/2011

Posted on 2/18/2011 by

Being vigilant against fraud is not only important for a company’s bottom line, it also strengthens customer trust in the business. Becoming a victim of fraud can have a negative financial and reputational impact on a business and the Better Business Bureau recommends owners train their staff to look out for seven common scams that prey on small companies.

Every year the BBB receives thousands of complaints from small business owners who fell for an invoicing scam or were misled into paying for products and services they didn’t want. Scammers aren’t always trying to steal money from a business; sometimes they are after a company’s financial or customer data and will use many kinds of high and low-tech methods for getting it.

“Small business fraud can come from internal threats, such as employee fraud, or from external full-time scammers,” said Jocile Ehrlich, BBB President. “Because small business owners often lack the time and resources to fight fraud, they are a popular mark for any number of different scams.”

The BBB is warning business owners to look out for the following seven scams that commonly target small companies:

Directory Scams – A perennial problem that has plagued businesses for decades involves deceptive sales for directories. Commonly the scammer will call the business claiming they just want to update the company’s entry in an online directory or the scammer might lie about being with the Yellow Pages. The business is later billed hundreds of dollars for listing services they didn’t agree to or for ads which they thought would be in the Yellow Pages.

Office Supply Scams – Some scammers prey on small business owners hoping that they won’t notice a bill for office supplies like toner or paper which the company never ordered. Every year BBB receives thousands of complaints from small business owners who were deceived by office supply companies and billed for products they didn’t want.

Overpayment Scams – Be extremely cautious if a customer overpays using a check or credit card and then asks you to wire the extra money back to them or to a third party. Overpayment scams target any number of different companies including catering businesses, manufacturers, wholesalers and even sellers on sites like eBay, Craigslist and Etsy.

Data Breaches – No matter how vigilant your company is a data breach can still happen. Whether it’s the result of hackers, negligence or a disgruntled employee, a data breach can have a severe impact on the level of trust customers have in your business. You can learn how to defend your company from a data breach for free with BBB’s Data Security – Made Simpler at www.bbb.org/data-security.

Vanity Awards – While it’s flattering to be recognized for your hard work, some awards are just money-making schemes and have no actual merit. If you are approached about receiving a business or leadership award, research the opportunity carefully and be wary if you’re asked to pay money.

Stolen Identity – Scammers will often pretend to be a legitimate company for the purposes of ripping off consumers. When it comes to stolen identity, the company doesn’t necessarily lose money, but their reputation is potentially tarnished as angry customers who were ripped off by the scammers think the real company is responsible.

Phishing E-mails – Some phishing e-mails specifically target small business owners with the goal of hacking into their computer or network. Common examples include e-mails pretending to be from the IRS claiming the company is being audited or phony e-mails from the BBB saying the company has received a complaint. If you receive a suspicious e-mail from a government agency or the BBB, don’t click on any links or open any attachments. Contact the agency or the BBB directly to confirm the legitimacy of the e-mail.

For more advice on how to manage your business effectively, visit www.bbb.org/us/Business-Resources/.

Seven Scams that Target Small Businesses

2/18/2011

Posted on 2/18/2011 by

“Small business fraud can come from internal threats, such as employee fraud, or from external full-time scammers,” said Gary Almond, BBB President. “Because small business owners often lack the time and resources to fight fraud, they are a popular mark for any number of different scams.”

The BBB is warning business owners to look out for the following seven scams that commonly target small companies:

Directory Scams – A perennial problem that has plagued businesses for decades involves deceptive sales for directories. Commonly the scammer will call the business claiming they just want to update the company’s entry in an online directory or the scammer might lie about being with the Yellow Pages. The business is later billed hundreds of dollars for listing services they didn’t agree to or for ads which they thought would be in the Yellow Pages.

Office Supply Scams – Some scammers prey on small business owners hoping that they won’t notice a bill for office supplies like toner or paper which the company never ordered. Every year BBB receives thousands of complaints from small business owners who were deceived by office supply companies and billed for products they didn’t want.

Overpayment Scams – Be extremely cautious if a customer overpays using a check or credit card and then asks you to wire the extra money back to them or to a third party. Overpayment scams target any number of different companies including catering businesses, manufacturers, wholesalers and even sellers on sites like eBay, Craigslist and Etsy.

Data Breaches – No matter how vigilant your company is a data breach can still happen. Whether it’s the result of hackers, negligence or a disgruntled employee, a data breach can have a severe impact on the level of trust customers have in your business. You can learn how to defend your company from a data breach for free with BBB’s Data Security – Made Simpler at www.bbb.org/data-security.

Vanity Awards – While it’s flattering to be recognized for your hard work, some awards are just money-making schemes and have no actual merit. If you are approached about receiving a business or leadership award, research the opportunity carefully and be wary if you’re asked to pay money.

Stolen Identity – Scammers will often pretend to be a legitimate company for the purposes of ripping off consumers. When it comes to stolen identity, the company doesn’t necessarily lose money, but their reputation is potentially tarnished as angry customers who were ripped off by the scammers think the real company is responsible.

Phishing E-mails – Some phishing e-mails specifically target small business owners with the goal of hacking into their computer or network. Common examples include e-mails pretending to be from the IRS claiming the company is being audited or phony e-mails from the BBB saying the company has received a complaint. If you receive a suspicious e-mail from a government agency or the BBB, don’t click on any links or open any attachments. Contact the agency or the BBB directly to confirm the legitimacy of the e-mail.

For more advice on how to manage your business effectively, visit www.bbb.org/us/Business-Resources/.

Attorney General DeWine Warns of Tax Scams

2/18/2011

Posted on 2/18/2011 by

Attorney General Mike DeWine today warned Ohioans to watch for e-mail messages and letters that claim to be from the Internal Revenue Service, but are actually scams designed to capture personal information.

"Scam artists know that this is tax season, and they are trying to confuse consumers who are preparing to file their taxes," Attorney General DeWine said. "The IRS will not communicate with you via e-mail to tell you about a problem with your taxes, and you should not click on links in any suspicious e-mail messages."

A Franklin County resident said he received an e-mail message that appeared to be from the Internal Revenue Service. The e-mail indicated that the consumer was late in submitting his W-2 form and instructed him to click on a link to send the updated form. Fortunately, the consumer recognized that the e-mail was a scam, and he did not click on the link nor provide any personal information.

Another consumer from Cuyahoga County reported receiving a phony 1099 form in an envelope marked "important tax return information." The bogus form stated that the consumer had won $61,000.

Consumers should watch for signs of a tax scam, including:

• Messages from the "IRS" about a problem with your tax forms.

• Requests for personal information, such as your Social Security number.

• Forms or letters that indicate you have won a lottery or sweepstakes.

• Instructions to click on links that may direct you to a third-party website.

• Poor grammar or illogical statements.

• Threats that you will not receive your tax refund if you fail to respond.

If you receive a suspicious e-mail claiming to come from the IRS, forward it to the IRS at Phishing@IRS.gov. Remember not to click on any links in the message.

Consumers also can report scams to the Ohio Attorney General's Office at www.OhioAttorneyGeneral.gov/ReportaScam or by calling 800-282-0515

BBB Welcomes February Accredited Businessess

2/18/2011

Posted on 2/18/2011 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

A Absolute Heating & Air
2695 John Jacob Court
Fairfield, OH 45011
(513) 894-0749

AAA K9, LLC
6429 Clough Pike Suite 2
Cincinnati, OH 45244
(513) 349-3452

Alarm Tech Security, LLC
1604 Robinson Avenue
Portsmouth, OH 45662
(740) 355-7233

All Points Title & Closing, Inc.
300 High Street Suit 104
Hamilton, OH 45011
(513) 863-7600

American Medex Home Health Services, Inc.
411 Center Street
Ironton, OH 45638
(740) 259-3406

Amerimed, Inc.
9961 Cincinnati Dayton Road
West Chester, OH 45069
(513) 942-3670

Animal Remover LLC
PO Box 3
Ross, OH 45061
(513) 324-9453

Anixter Inc.
4440 Mulhauser Road
Hamilton, OH 45011
(513) 942-2022

Arthur Murray Dance Studio
9729 Kenwood Road
Cincinnati, OH 45242
(513) 791-9100

Asphalt Maintenance
4395 Bonita Drive
Middletown, OH 45044
(513) 266-1746

B

Ballinger Excavating & Services
3021 Hamilton Richmond Road
Hamilton, OH 45013
(513) 276-5730

Bethel Floral Boutique
201A South Main Street
Bethel, OH 45106
(513) 734-7007

Black Dawg Sealcoat of Greater Cincinnati and Northern KY
457 Gablefield Court
Cincinnati, OH 45255
(513) 332-4246

Bob's Body & Paint
2235 Hales Way
Williamsburg, OH 45176
(937) 444-2280

Bobren's Tiny Tots Co.
3034 Percy Avenue
Cincinnati, OH 45211
(513) 662-1133

Boone-Kenton Lumber & Building Supply Company
3219 Crescent Avenue
Erlanger, KY 41018
(859) 727-3700

Boykin Construction, LLC
1221 Lane Street
Hamilton, OH 45011
(513) 532-3446

Branch Hill Lawn Care
6582 Branch Hill Guinea Pike
Loveland, OH 45140
(513) 286-8485

Brandner Construction & Remodeling
242 West Crest Drive
Reading, OH 45215
(513) 623-5792

Brown County Construction Company, Inc.
8108 US 52 West
Aberdeen, OH 45101
(937) 795-2740

BT Spence, Inc.
3126 Dixie Highway
Erlanger, KY 41018
(859) 746-9622

Buckeye Roofing and Restoration, LLC
10999 Reed Hartman Highway Suite 309F
Cincinnati, OH 45242
(513) 504-2064

C

C & N Construction, Inc.
21 North Crescent Avenue
Fort Thomas, KY 41075
(859) 781-5857

Caparella-Kraemer & Associates LLC
4841A Rialto Road
West Chester, OH 45069
(513) 942-7222

Cincinnati-Hamilton County Community Action Agency
1740 Langdon Farm Road
Cincinnati, OH 45237
(513) 569-1840

Cincy Premier Outdoor Solutions LLC
9892 Meadow Hills Drive
Cincinnati, OH 45241
(513) 582-3017

Complete Land Care LLC
13537 New Harmony Shiloh Road
Mount Orab, OH 45154
(513) 678-0735

D

D & E Equipment Co.
161 Doan Street
Wilmington, OH 45177
(937) 382-3501

Dave's Computer Service and Repair
268 Turner Road
Lynchburg, OH 45142
(937) 763-3642

Dent Magic Ohio
7051 Dixie Highway
Fairfield, OH 45014
(866) 755-3368

Designer Flooring
4064 Homelawn Avenue
Cincinnati, OH 45211
(513) 377-2123

Don's Auto Repair, Inc.
6063 Cornell Road
Cincinnati, OH 45242
(513) 489-4011

Duckie Residential Solutions
2099 Hamilton Eaton Road
Hamilton, OH 45011
(513) 227-5750

Dyer, Garofalo, Mann & Schultz
1420 South Breiel Blvd
Middletown, OH 45044
(937) 283-9300

Dyer, Garofalo, Mann & Schultz
2855-A Progress Way
Wilmington, OH 45177
(937) 283-9300

E

eBlair Solutions, Inc.
2070 Adams Road
Cincinnati, OH 45231
(513) 685-4488

Economize Lawncare
122 Harvard Place
Southgate, KY 41071
(859) 816-0956

Environments Landscaping
9978 Timbers Drive
Cincinnati, OH 45242
(513) 680-3000

Eurostampa North America Inc.
1871 Summit Road
Cincinnati, OH 45237
(513) 821-2275

F

FamiliesFORWARD
2400 Reading Road Suite 422
Cincinnati, OH 45202
(513) 721-7044

Family Home Care Services, LLC
260 Northland Blvd Suite 304B
Cincinnati, OH 45246
(513) 771-1291

Flushaway Drain & Sewer Service LLC
27 Hopkins Avenue
Amelia, OH 45102
(513) 752-3027

Focus on Independence LLC
260 Northland Blvd Suite 227
Cincinnati, OH 45246
(513) 772-4567

Forrest Lytle Horticultural Services, LLC
9992 Commerce Park Drive
Cincinnati, OH 45246
(513) 874-1020

G

G & T Excavation, Inc.
3180 Burlington Pike
Burlington, KY 41005
(859) 689-2110

Gorilla Mike's Tree & Stump Removal
6031 Sheed Road
Cincinnati, OH 45247
(513) 490-9628

Graber Law Office, LLC
423 Reading Road
Mason, OH 45040
(513) 398-0269

Gullivers Movers Ohio
2692 Madison Road
Cincinnati, OH 45208
(513) 351-0420

H

Handyman Professional Home Services
2054 State Route 131
Batavia, OH 45103
(513) 823-8808

Hoerst Construction
7541 Ross Avenue
Cincinnati, OH 45237
(513) 948-1759

I

Inverse Technologies
726 East Main Street Suite F161
Lebanon, OH 45036
(937) 470-7466

J

J & J Home Improvement
7245 Brooks Road
Harrison, OH 45030
(513) 283-0770

Jordan's Auto Sales & Service
1420 East Galbraith Road
Cincinnati, OH 45215
(513) 761-2000

Julie's Jet Extraction
518 Moore Street
Middletown, OH 45044
(513) 465-3114

Julie's Rubber Roof Technicians
518 Moore Street
Middletown, OH 45044
(513) 465-3114

K

Kanta & Company
13 South Cherry Street
Lebanon, OH 45036
(513) 932-9880

Key Blue Prints, Inc.
3704 Cheviot Avenue
Cincinnati, OH 45211
(513) 821-2111

Key Blue Prints, Inc.
411 Elliott Avenue
Cincinnati, OH 45215
(513) 821-2111

L

Lane Contractors, LLC
23292 Maplewood Court
Lawrenceburg, IN 47025
(513) 283-0043

Lawson's Country Store
2305-B Laurel Nicholsville Road
New Richmond, OH 45157
(513) 553-7000

LBR Regulatory & Clinical Consulting Services, Inc.
25 Towne Center Blvd
Fort Mitchell, KY 41017
(859) 426-5035

Lisa C. Banks CPA Inc.
1139 Fehl Lane
Cincinnati, OH 45230
(513) 231-0724

M

Maple Park Auto
3300 Illinois Avenue
Middletown, OH 45042
(513) 422-8296

Margaret L. Leonhard Psy.D.
2380 Grandview Drive
Fort Mitchell, KY 41017
(859) 992-2958

Me Salon by Cara
11328 Montgomery Road
Cincinnati, OH 45249
(513) 489-9283

Meyer Tool, Inc.
120 Reed Road
West Palm Beach, FL 33403
(513) 853-4400

Meyer Tool, Inc.
1328 Elam Street
Cincinnati, OH 45225

1462 Donaldson Highway
Erlanger, KY 41018

3055 Colerain Avenue
Cincinnati, OH 45225

3064 Colerain Avenue
Cincinnati, OH 45225

3614 Highpoint Street
San Antonio, TX 78217

60 Turner Drive
Middletown, NY 10941

630 Lovejoy Road
Fort Walton Beach, FL 32548

7 Park Plaza
Greenville, SC 29607

710 Burns Street
Cincinnati, OH 45204

PO Box 25098
Cincinnati, OH 45225
(513) 853-4400

MG Marine Maintenance
2917 Cavanaugh Avenue
Cincinnati, OH 45211
(513) 485-9235

Michael Harris Electronic Filing
10042 Chester Road
Cincinnati, OH 45215
(513) 772-5229

mrb.net Software & Services
4152 Schroeder Drive
Fairfield, OH 45011
(513) 910-2194

N

Novals Construction Group, Inc.
4840 Business Center Way
Cincinnati, OH 45246
(513) 942-5063

O

Ohio Valley Plastering, Inc.
62 Olive Street
Gallipolis, OH 45631
(740) 441-7295

Outdoor Design Build, LLC
5253 Adena Trail
Cincinnati, OH 45230
(513) 232-1220

Oxford Medical Health & Wellness Center, LLC
5144 College Corner Pike Suite A
Oxford, OH 45056
(513) 524-4800

P

Paradise Electric Company
9755 South Careytown Road
Hillsboro, OH 45133
(937) 393-0099

Park Place Real Estate Management, Inc.
12 West Park Place
Oxford, OH 45056
(513) 523-2015

Perry Financial Services Co.
2616 Saddleback Drive
Cincinnati, OH 45244
(513) 315-1718

Pike Sanitation, Inc.
11775 State Route 220
Waverly, OH 45690
(740) 947-4200

Pike Sanitation, Inc.
123 South Lock Street
Waverly, OH 45690
(740) 947-4200

Playpen Palace
438 Elizabeth Street
Cincinnati, OH 45203
(513) 368-9518

Pohlar Construction
1863 Chase Avenue Apt 0A
Cincinnati, OH 45223
(513) 505-9654

Premier Tri-State Roofing, Inc.
4792 Rapid Run Road
Cincinnati, OH 45238
(513) 251-4400

Primary Healthcare Solutions LLC
11909 Blackhawk Circle
Cincinnati, OH 45240
(513) 648-0406

Punch Out Plus
5765 South State Route 48 Suite 110-223
Maineville, OH 45039
(513) 615-4810

R

Rasheed's Roofing
1638 Jonathan Ave
Cincinnati, OH 45207
(513) 348-5915

Ridge Management Services, Inc.
5583 Ridge Avenue
Cincinnati, OH 45213
(513) 631-5873

RJ Brothers Heating & Cooling
1957 Stahlheber Road
Hamilton, OH 45013
(513) 868-9365

Robert Embry Painting & Roofing
161 Vista Drive
Hamilton, OH 45011
(513) 623-6609

Rome Hughes Tax Service
1291 Sutton Road
Cincinnati, OH 45230
(513) 231-5046

Rx Integrative Solutions, Inc.
10274 Alliance Road
Blue Ash, OH 45242
(513) 607-3495

S

Sam's Taxes, Insurance and Financial Services, LLC
260 Northland Blvd Suite 336
Cincinnati, OH 45246
(513) 407-5563

Serene Indulgence, LLC
985 Burton Avenue
Cincinnati, OH 45229
(513) 885-4321

Serket Jewelry
6992 Brady Court
Liberty Township, OH 45044
(513) 544-8760

Shannon's All About Dance
491 Erlanger Road
Erlanger, KY 41018
(859) 331-4122

Stanley Steemer Carpet Cleaner
9830 Windisch Road
West Chester, OH 45069
(513) 755-6049

Stroud's Excavation, LLC
7250 State Route 380
Wilmington, OH 45177
(937) 608-8254

Struble Remodeling & Lawncare LLC
18609 Rainbow Road
Lawrenceburg, IN 47025
(812) 290-8893

Superflo Systems & Technologies
1 North Commerce Park Drive Suite 225
Lockland, OH 45215
(513) 810-5590

Supreme Termite and Pest Control
848 11th Street
Portsmouth, OH 45662
(740) 354-6145

T

Terry's Mobile Glass, LLC
414 South 2nd Street
Ironton, OH 45638
(740) 532-5274

The Handyman Company LLC
5799 Tall Oaks Drive
Milford, OH 45150
(513) 587-9667

TMF Custom Carpentry
8286 Wooster Pike Suite 1
Cincinnati, OH 45227
(513) 291-1094

Turner Minor Auto Body
4527 Reading Road Suite H
Cincinnati, OH 45229
(513) 766-2120

U

United Electric Company, Inc.
1309 Ethan Avenue
Cincinnati, OH 45225
(513) 542-6002

V

V & N Services, Inc.
10901 Reed Hartman Highway Suite 205
Cincinnati, OH 45242
(513) 793-2000

W

Western Hills Builders Supply Company
6801 Harrison Avenue
Cincinnati, OH 45247
(513) 574-6200

Williams Termite & Pest Control
16 Crawford Street
Middletown, OH 45044
(513) 422-7209

Y

Yard Designs LLC
2585 Ivan Court
Hebron, KY 41048
(859) 630-0988

BBB Welcomes February Accredited Businesses'

2/18/2011

Posted on 2/18/2011 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

A Absolute Heating & Air
2695 John Jacob Court
Fairfield, OH 45011
(513) 894-0749

AAA K9, LLC
6429 Clough Pike Suite 2
Cincinnati, OH 45244
(513) 349-3452

Alarm Tech Security, LLC
1604 Robinson Avenue
Portsmouth, OH 45662
(740) 355-7233

All Points Title & Closing, Inc.
300 High Street Suit 104
Hamilton, OH 45011
(513) 863-7600

American Medex Home Health Services, Inc.
411 Center Street
Ironton, OH 45638
(740) 259-3406

Amerimed, Inc.
9961 Cincinnati Dayton Road
West Chester, OH 45069
(513) 942-3670

Animal Remover LLC
PO Box 3
Ross, OH 45061
(513) 324-9453

Anixter Inc.
4440 Mulhauser Road
Hamilton, OH 45011
(513) 942-2022

Arthur Murray Dance Studio
9729 Kenwood Road
Cincinnati, OH 45242
(513) 791-9100

Asphalt Maintenance
4395 Bonita Drive
Middletown, OH 45044
(513) 266-1746

B

Ballinger Excavating & Services
3021 Hamilton Richmond Road
Hamilton, OH 45013
(513) 276-5730

Bethel Floral Boutique
201A South Main Street
Bethel, OH 45106
(513) 734-7007

Black Dawg Sealcoat of Greater Cincinnati and Northern KY
457 Gablefield Court
Cincinnati, OH 45255
(513) 332-4246

Bob's Body & Paint
2235 Hales Way
Williamsburg, OH 45176
(937) 444-2280

Bobren's Tiny Tots Co.
3034 Percy Avenue
Cincinnati, OH 45211
(513) 662-1133

Boone-Kenton Lumber & Building Supply Company
3219 Crescent Avenue
Erlanger, KY 41018
(859) 727-3700

Boykin Construction, LLC
1221 Lane Street
Hamilton, OH 45011
(513) 532-3446

Branch Hill Lawn Care
6582 Branch Hill Guinea Pike
Loveland, OH 45140
(513) 286-8485

Brandner Construction & Remodeling
242 West Crest Drive
Reading, OH 45215
(513) 623-5792

Brown County Construction Company, Inc.
8108 US 52 West
Aberdeen, OH 45101
(937) 795-2740

BT Spence, Inc.
3126 Dixie Highway
Erlanger, KY 41018
(859) 746-9622

Buckeye Roofing and Restoration, LLC
10999 Reed Hartman Highway Suite 309F
Cincinnati, OH 45242
(513) 504-2064

C

C & N Construction, Inc.
21 North Crescent Avenue
Fort Thomas, KY 41075
(859) 781-5857

Caparella-Kraemer & Associates LLC
4841A Rialto Road
West Chester, OH 45069
(513) 942-7222

Cincy Premier Outdoor Solutions LLC
9892 Meadow Hills Drive
Cincinnati, OH 45241
(513) 582-3017

Complete Land Care LLC
13537 New Harmony Shiloh Road
Mount Orab, OH 45154
(513) 678-0735

D

D & E Equipment Co.
161 Doan Street
Wilmington, OH 45177
(937) 382-3501

Dave's Computer Service and Repair
268 Turner Road
Lynchburg, OH 45142
(937) 763-3642

Dent Magic Ohio
7051 Dixie Highway
Fairfield, OH 45014
(866) 755-3368

Designer Flooring
4064 Homelawn Avenue
Cincinnati, OH 45211
(513) 377-2123

Don's Auto Repair, Inc.
6063 Cornell Road
Cincinnati, OH 45242
(513) 489-4011

Duckie Residential Solutions
2099 Hamilton Eaton Road
Hamilton, OH 45011
(513) 227-5750

Dyer, Garofalo, Mann & Schultz
1420 South Breiel Blvd
Middletown, OH 45044

2855-A Progress Way
Wilmington, OH 45177
(937) 283-9300

E

eBlair Solutions, Inc.
2070 Adams Road
Cincinnati, OH 45231
(513) 685-4488

Economize Lawncare
122 Harvard Place
Southgate, KY 41071
(859) 816-0956

Environments Landscaping
9978 Timbers Drive
Cincinnati, OH 45242
(513) 680-3000

Eurostampa North America Inc.
1871 Summit Road
Cincinnati, OH 45237
(513) 821-2275

F

Family Home Care Services, LLC
260 Northland Blvd Suite 304B
Cincinnati, OH 45246
(513) 771-1291

Flushaway Drain & Sewer Service LLC
27 Hopkins Avenue
Amelia, OH 45102
(513) 752-3027

Focus on Independence LLC
260 Northland Blvd Suite 227
Cincinnati, OH 45246
(513) 772-4567

Forrest Lytle Horticultural Services, LLC
9992 Commerce Park Drive
Cincinnati, OH 45246
(513) 874-1020

G

G & T Excavation, Inc.
3180 Burlington Pike
Burlington, KY 41005
(859) 689-2110

Gorilla Mike's Tree & Stump Removal
6031 Sheed Road
Cincinnati, OH 45247
(513) 490-9628

Graber Law Office, LLC
423 Reading Road
Mason, OH 45040
(513) 398-0269

Gullivers Movers Ohio
2692 Madison Road
Cincinnati, OH 45208
(513) 351-0420

H

Handyman Professional Home Services
2054 State Route 131
Batavia, OH 45103
(513) 823-8808

Hoerst Construction
7541 Ross Avenue
Cincinnati, OH 45237
(513) 948-1759

I

Inverse Technologies
726 East Main Street Suite F161
Lebanon, OH 45036
(937) 470-7466

J

J & J Home Improvement
7245 Brooks Road
Harrison, OH 45030
(513) 283-0770

Jordan's Auto Sales & Service
1420 East Galbraith Road
Cincinnati, OH 45215
(513) 761-2000

Julie's Jet Extraction
518 Moore Street
Middletown, OH 45044
(513) 465-3114

Julie's Rubber Roof Technicians
518 Moore Street
Middletown, OH 45044
(513) 465-3114

K

Kanta & Company
13 South Cherry Street
Lebanon, OH 45036
(513) 932-9880

Key Blue Prints, Inc.
3704 Cheviot Avenue
Cincinnati, OH 45211

411 Elliott Avenue
Cincinnati, OH 45215
(513) 821-2111

L

Lane Contractors, LLC
23292 Maplewood Court
Lawrenceburg, IN 47025
(513) 283-0043

Lawson's Country Store
2305-B Laurel Nicholsville Road
New Richmond, OH 45157
(513) 553-7000

LBR Regulatory & Clinical Consulting Services, Inc.
25 Towne Center Blvd
Fort Mitchell, KY 41017
(859) 426-5035

Lisa C. Banks CPA Inc.
1139 Fehl Lane
Cincinnati, OH 45230
(513) 231-0724

M

Maple Park Auto
3300 Illinois Avenue
Middletown, OH 45042
(513) 422-8296

Margaret L. Leonhard Psy.D.
2380 Grandview Drive
Fort Mitchell, KY 41017
(859) 992-2958

Me Salon by Cara
11328 Montgomery Road
Cincinnati, OH 45249
(513) 489-9283

Meyer Tool, Inc.
120 Reed Road
West Palm Beach, FL 33403

1328 Elam Street
Cincinnati, OH 45225

1462 Donaldson Highway
Erlanger, KY 41018

3055 Colerain Avenue
Cincinnati, OH 45225

3064 Colerain Avenue
Cincinnati, OH 45225

3614 Highpoint Street
San Antonio, TX 78217

60 Turner Drive
Middletown, NY 10941

630 Lovejoy Road
Fort Walton Beach, FL 32548

7 Park Plaza
Greenville, SC 29607

710 Burns Street
Cincinnati, OH 45204

PO Box 25098
Cincinnati, OH 45225
(513) 853-4400

MG Marine Maintenance
2917 Cavanaugh Avenue
Cincinnati, OH 45211
(513) 485-9235

Michael Harris Electronic Filing
10042 Chester Road
Cincinnati, OH 45215
(513) 772-5229

mrb.net Software & Services
4152 Schroeder Drive
Fairfield, OH 45011
(513) 910-2194

N

Novals Construction Group, Inc.
4840 Business Center Way
Cincinnati, OH 45246
(513) 942-5063

O

Ohio Valley Plastering, Inc.
62 Olive Street
Gallipolis, OH 45631
(740) 441-7295

Outdoor Design Build, LLC
5253 Adena Trail
Cincinnati, OH 45230
(513) 232-1220

Oxford Medical Health & Wellness Center, LLC
5144 College Corner Pike Suite A
Oxford, OH 45056
(513) 524-4800

P

Paradise Electric Company
9755 South Careytown Road
Hillsboro, OH 45133
(937) 393-0099

Park Place Real Estate Management, Inc.
12 West Park Place
Oxford, OH 45056
(513) 523-2015

Perry Financial Services Co.
2616 Saddleback Drive
Cincinnati, OH 45244
(513) 315-1718

Pike Sanitation, Inc.
11775 State Route 220
Waverly, OH 45690

123 South Lock Street
Waverly, OH 45690
(740) 947-4200

Playpen Palace
438 Elizabeth Street
Cincinnati, OH 45203
(513) 368-9518

Pohlar Construction
1863 Chase Avenue Apt 0A
Cincinnati, OH 45223
(513) 505-9654

Premier Tri-State Roofing, Inc.
4792 Rapid Run Road
Cincinnati, OH 45238
(513) 251-4400

Primary Healthcare Solutions LLC
11909 Blackhawk Circle
Cincinnati, OH 45240
(513) 648-0406

Punch Out Plus
5765 South State Route 48 Suite 110-223
Maineville, OH 45039
(513) 615-4810

R

Rasheed's Roofing
1638 Jonathan Ave
Cincinnati, OH 45207
(513) 348-5915

Ridge Management Services, Inc.
5583 Ridge Avenue
Cincinnati, OH 45213
(513) 631-5873

RJ Brothers Heating & Cooling
1957 Stahlheber Road
Hamilton, OH 45013
(513) 868-9365

Robert Embry Painting & Roofing
161 Vista Drive
Hamilton, OH 45011
(513) 623-6609

Rome Hughes Tax Service
1291 Sutton Road
Cincinnati, OH 45230
(513) 231-5046

Rx Integrative Solutions, Inc.
10274 Alliance Road
Blue Ash, OH 45242
(513) 607-3495

Shannon's All About Dance
491 Erlanger Road
Erlanger, KY 41018
(859) 331-4122

Stanley Steemer Carpet Cleaner
9830 Windisch Road
West Chester, OH 45069
(513) 755-6049

Stroud's Excavation, LLC
7250 State Route 380
Wilmington, OH 45177
(937) 608-8254

Struble Remodeling & Lawncare LLC
18609 Rainbow Road
Lawrenceburg, IN 47025
(812) 290-8893

Superflo Systems & Technologies
1 North Commerce Park Drive Suite 225
Lockland, OH 45215
(513) 810-5590

Supreme Termite and Pest Control
848 11th Street
Portsmouth, OH 45662
(740) 354-6145

T

Terry's Mobile Glass, LLC
414 South 2nd Street
Ironton, OH 45638
(740) 532-5274

The Handyman Company LLC
5799 Tall Oaks Drive
Milford, OH 45150
(513) 587-9667

TMF Custom Carpentry
8286 Wooster Pike Suite 1
Cincinnati, OH 45227
(513) 291-1094

Turner Minor Auto Body
4527 Reading Road Suite H
Cincinnati, OH 45229
(513) 766-2120

U

United Electric Company, Inc.
1309 Ethan Avenue
Cincinnati, OH 45225
(513) 542-6002

V

V & N Services, Inc.
10901 Reed Hartman Highway Suite 205
Cincinnati, OH 45242
(513) 793-2000

W

Western Hills Builders Supply Company
6801 Harrison Avenue
Cincinnati, OH 45247
(513) 574-6200

Williams Termite & Pest Control
16 Crawford Street
Middletown, OH 45044
(513) 422-7209

Y

Yard Designs LLC
2585 Ivan Court
Hebron, KY 41048
(859) 630-0988

Watch out for fake check scams

2/17/2011

Posted on 2/17/2011 by Trisha Sefakis

BBB continues to receive calls about various fake check scams. It may be tempting, but any unexpected check or money order is probably too good to be true. One thing common for all of these scams is that you will be instructed to deposit the check into your account, return some of the money, and keep a nice bonus for yourself. The problem is.…by the time the check bounces, you’ve already sent your money to the scammers and now you’re on the hook. The story behind the mysterious check is always changing but the most common ones are: you’ve won a foreign lottery; you’ve got a new work at home job processing payments; you over paid for an item that you were selling online or in the paper; a stranger emails you asking you to cash a check for them and wire the money back as a favor.

For more information on fake check scams go to www.bbb.org.

Make the Right Call When Choosing Cell Phone Plan

2/16/2011

Posted on 2/16/2011 by

Feburary 10th has come and gone. You may not have noticed that the day was any different from any other, but millions of cell phone users would beg to differ. That’s because now they’re calling, texting and messaging via brand-new iPhones on the Verizon network. Millions more are wondering what all the hullabaloo is about. It’s just a phone, right? Yes and no. Cell phones are morphing into minicomputers capable of almost everything your laptop does. And like computers, it seems that as soon as you bring one home, it’s obsolete. It’s enough to make even the savviest of consumers crazy.

To help you stay in touch, the BBB offers the following tips when choosing a cell-phone carrier:

Phones

Buy what’s right for you, not what’s hot right now. If you want a phone with all the bells and whistles, go for it; if not, look for one that has only the features you want to use, such as comfortable keyboard, big screen, maybe a camera.

Plans

Most cell-phone plans are for two years and come with hefty fees if service is canceled before time is up. Two-year plans usually offer incentives on phones and packages that sweeten the deal. Prepaid cell phones you pay only for minutes that you need – are another option and could be an economical solution if you aren’t a heavy cell phone user. Many now also offer the popular data and Web options. Regardless of the plan, it’s important to know how you use your phone. If you’re a heavy texter, it might make more sense to get a plan with unlimited texts. If you don’t text, then why pay for the service?

Coverage

Can you hear me now? Yes, that line makes for a humorous commercial, but it can be a deal breaker. Cell phones are all about making and receiving calls – and if you get poor or no reception, why bother? If possible, “test” a phone’s service reception before you finalize the contract. And while smaller and regional carriers may offer less-expensive plans, the trade-off is in coverage. Small carriers may supplement voice coverage with roaming fees. Coverage maps are a good indicator of service you can expect. But don’t just take the carrier’s word about their coverage. Check out CellReception.com Type in your zip code to find cell towers registered with the FCC. The more towers your carrier has, the better the reception you’ll have.

Final Tips

Before you sign on the dotted line, read the entire contract, including the fine print. Don’t be pressured into purchasing a plan that doesn’t fit your needs or budget. Make sure you know what the actual monthly bill will be after extra fees are added in. Be sure you understand what’s included in the plan and what’s not included. And before signing on with a wireless carrier, check them out with your BBB at cincinnati.bbb.org

To get the latest updates from your BBB, follow us on Twitter, and Facebook.

National Credit Solutions

2/15/2011

Posted on 2/15/2011 by Christine Baker

BBB has been receiving calls from customers about National Credit Solutions for alleged outstanding bills from Hollywood Video. Some callers have reported never receiving bills or notices from Hollywood Video. BBB Oklahoma City has an updated report on National Credit Solutions.

Consumers should note, when dealing with debt collection companies, there are obligations outlined by law governing collection practices, especially those conducted by a third party collector (as opposed to a direct employee of the firm to which money is owed). You are encouraged to seek documentation of the debt as stated by the collector.

The Fair Debt Collection Practices Act requires that debt collectors treat those who have failed to repay their creditors in a fair manner. For a complete listing of your rights as a debtor, visit the Federal Trade Commission website.

Malware Targeting Employers Hiring Online

2/14/2011

Posted on 2/14/2011 by Leslie Kish

The Internet Crime Complaint Center (IC3) has issued an alert regarding emails sent to employers posing as potential job applicants. The emails are in response to online job ads and have embedded malware that allows the attacker to obtain the online banking credentials. Once the credentials are obtained, the cyber criminals changed settings to establish wire transfers to their own accounts.

In the release, the FBI recommends that potential employers be vigilant when opening emails from prospective employees. Running a virus scan prior to opening any email attachments is recommended. It is also recommended that businesses consider using a separate computer system to conduct financial transactions.

If you believe that you have been the target of one of these attacks, contact your financial institutions, the FBI and report it at www.ic3.gov.

Jury Duty Scam Threatens Your Private Information

2/11/2011

Posted on 2/11/2011 by

There are few people in our great country that look forward to jury duty. Most of us dread it, but drag ourselves to the court house anyway, and some avoid by means of any excuse. Unfortunately for those who take either approach, an old scam with a new ferocity is targeted at you.

You answer your phone, surprised to find someone of the other end who claims to be an officer of the court. You haven’t appeared for mandated jury duty, and have a warrant out for your arrest. You protest and claim that you never received a summons. An easy fix, says the caller, just clear up this mix up by handing over your birth date, social security number, maybe even a credit card number too.

Stop. Before you give away your personal information, consider this: Court officials rarely cold call prospective jurors, and never ask for personal information over the phone. Most officials prefer to communicate via mail. You have just narrowly avoiding a scam that is brilliantly effective in its utter simplicity.

The F.B.I relates the success of the scam to targeting good people who are law-abiding. In an F.B.I released article, a special agent explains that most citizens who receive one of these phone calls are put on the defensive immediately, and then lured into the con-artist’s trap with the promise of a clean slate. The scam preys on upright people who fear a marred record.

The jury duty swindle has affected 11 states in the last few months, including Florida, New York, Minnesota, Colorado, California and Arizona, and is considered by the F.B.I to be a threat to all communities, even those who haven’t had reports surface yet. Officials expect this con to pick up speed, but are trying to thwart the efforts of the scammers by spreading the word. If you receive a suspicious call, the F.B.I recommends calling your local F.B.I office to report the incident.

Remember, that, above all, protecting your personal information is the goal. Given enough information, these con-artists can assume your identity, and empty your bank accounts as well as running up credit cards charges in your name.

How to Protect Yourself from Becoming a Fraud Victim

2/10/2011

Posted on 2/10/2011 by Trisha Sefakis

· Stay informed!

· Do your research on businesses and charities before doing business with them.

· Read the fine print before signing any contracts or documents.

· Remember your rights- Ohio has consumer protection laws in place to protect you from unfair, deceptive and unconscionable practices.

· Reconsider the purchase- don’t give in to high pressure sales tactics.

· Report fraud to your BBB and the Ohio Attorney General.

Interesting Twist on Credit Card Fraud Involving Aluminum Foil

2/8/2011

Posted on 2/8/2011 by Leslie Kish

Cincinnati Police sent out an alert about an unusual twist on credit card fraud. Apparently suspects have been climbing on top of the roofs of businesses such as convenience stores and covering the satellite receivers with aluminum foil to scramble the signals. They then purchase prepaid credit cards and/or fuel with stolen credit cards. The credit card system is down at the time of the transaction but the vendor may not yet be aware of it until the suspects are gone.

BBB Warns: Valentine’s Day Scams could Break Your Heart

2/8/2011

Posted on 2/8/2011 by

Valentine's Day is a day of romance and expressions of love, but it’s also a time for scam artists to take advantage and break a heart. If you're not careful you could fall victim to a Valentine's Day scam.

Valentine’s Phishing Scams

As February 14^th approaches, we expect notes of love to arrive in our mailboxes. Cyber-crooks are well aware of this and use this time of year to trick those who are “love-struck” into divulging their personal and financial information. One email claims to be from a flower company and indicates the flowers you ordered for your sweetheart won’t be delivered unless you log in and re-enter your credit card information. A significant number of these messages will reach people that have actually ordered flowers, and no one wants their loved one to think they've forgotten them on Valentine's Day! If you click the link in that email and enter your credit card information you could have a real problem once you get your next statement. Even if you think a message like this is real, go directly to the florist's website or call them on the phone.

Online Dating Scams

As Valentine's Day approaches many singles turn to online dating websites to find true love. What many find is a broken heart. Scam artists often create fake profiles designed to match a certain kind of person. Once they make contact with you the scam begins. Whether you are talking in a chat room, through instant messages, or emails it slowly becomes clear that you've hit the jackpot. This new person you've met is perfect in every way. They have the same likes and dislikes as you and most importantly, they really dig you. The cybercriminal gains your trust, and then attempts to “meet you.” However, your true love won't have enough money for the trip and will need you to wire funds for a plane ticket. This often involves mail order bride scams, or a scam where you wire a “soldier” money for military leave. This is a very old and common scam.

Valentine’s Day eCard Scam

Be careful opening eCards on the web! In the case of the Valentine’s Day eCard scam, and email directs the receiver to a fake website that looks a lot like Hallmark or American Greetings. The site prompts the receiver of the card to download the latest version of Flash Player, in order to view the card. Once the love-struck receiver of the card installs the software, their computer is taken over with a Trojan, which is a program that can give someone (besides the user) full access to a computer and all of the files on it. Pay attention when you click on links, be sure the web address you are going to is the correct one, and in this case, the email doesn’t state a name – it is generic – which is another sign that this could be a scam and it could have gone out to millions of people.

Advance Fee Loan Scam Alert

2/4/2011

Posted on 2/4/2011 by

Today, the BBB was made aware of an advance fee loan scam using Montana information (including phone number, address and names) to purport the scam. A PA resident contacted BBB to report that he had received a random call on his cell phone offering him a loan. When he received the paperwork, it required him to make three upfront monthly payments “as collateral” prior to securing the loan and releasing funds. This activity is illegal in the United States.

BBB has received inquiries regarding this group, and has confirmed with the Montana Department of Financial Institutions that this is a scam, and that their office, too, has been receiving calls regarding this group. MT DFI was able to confirm that the address being used does not exist, and that the 406# being used does not trace to a legitimate place of business. Also, this company is not properly registered to offer loans in the state of Montana.

BBB ADVICE

The BBB and FTC offer the following tips on what to watch for when seeking a loan:

http://www.bbb.org/us/article/ftc--the-truth-about-advance-fee-loan-scams-4689

If you have fallen victim to this scam, report it ASAP to the following: FBI, Internet Complaint Center www.ic3.gov and the Federal Trade Commission at www.ftc.gov Make sure the loan company you work with is properly registered as a legitimate business PRIOR to agreeing or signing a contract.

Social Security and Your Facebook Page

2/2/2011

Posted on 2/2/2011 by

How can your Facebook page contribute to someone stealing your identity via your social security number?

Studies show that computer programs can successfully guess 8.5% of the social security numbers of people born since 1989. This is done by using information from your social networking sites and other public sites.

Unfortunately social security numbers are not random. The first three digits are part of the zip code where you received your social security number. So, putting your hometown on Facebook is a generous tip to con artists wanting to steal your identity.

The next two digits are determined by where and when you applied for your social security number.

The last four digits are suppose to be random but tend to be in sequential order. That means if you give your birthday online, you have given the con artists another tip.

The good news is starting this year all nine digits will be more random. The bad news is you cannot change your social security number. You need to do all that you can to protect the one you have and your identity in general.

Tips to do just that:

Don’t carry your social security card nor have the number printed on your driver’s license or checks.
Don’t carry your birth certificate, passport or extra credit cards, except when necessary.
Shield the screen or keypad when entering your personal identification number (PIN) at an ATM or public telephone.
Don’t use common words or anything else that would be easily discovered when creating passwords and personal identification numbers.
Opt out of pre-approved credit offerings.
Cancel all unused credit card accounts and keep a list of your credit card account numbers, issuers and customer service telephone numbers.
Follow up with creditors if your bills don’t arrive on time to be sure an identity thief hasn’t taken over your account and changed the billing address.
Review your bills and statements for unauthorized use.
Tear and shred all items with your personal information on it.
Don’t leave mail in your mailbox overnight.
Check your credit report annually.

The interesting information about the digits of your social security number can be found here.

Restaurants targeted in Super Bowl party scam

2/1/2011

Posted on 2/1/2011 by

With Super Bowl fever at its peak, scammers are trying to cash in on the frenzy by targeting restaurants and catering companies using an old scam - the TTY relay scam - under the guise of placing orders for Super Bowl parties.

Restaurants are receiving large food orders to be delivered during a Super Bowl party. The customer used the TTY relay system, a system which enables hearing impaired people to use a telephone with the help of a relay operator. The customer wanted to use a credit card to pay for the order and told the owner that, since the delivery company the customer was using didn’t accept credit cards, the restaurant would need to pay the deliverer in cash but would be reimbursed by adding the charges to the customer’s credit card bill.

According to the BBB, this is a common scam that targets businesses. Typically, the scammer is posing as a “customer” and using a stolen credit card. The money that the business pays the deliverer (a co-conspirator) is lost, in addition to the loss taken by the business when it fulfills the order.

“We want restaurants and caterers to be especially careful this week because we know they’ll receive lots of orders for Super Bowl parties,” said Jocile Ehrlich, President of the BBB.

The BBB advises that businesses watch for these “red flags”:

• The order is placed using the TTY relay system. Scammers often use the TTY relay system as a way to mask their real identities and things such as foreign accents or broken English.

• The “customer” asks the business to wire money to, or pay in cash, a third-party – such as a delivery company. When the credit card is discovered to be stolen, the business will lose the money it paid out-of-pocket to the third party.

BBB offers the following advice to business owners to help identify fraud over telephone relay services:

• If the customer is using a TTY Relay Operator, ask the customer for his/her full name, address and telephone number.

• Ask the customer to provide the name of the issuing bank and its toll-free customer service number as printed on the back of all credit cards.

• Ask the customer for the three or four digit Card Verification Code that is found near the account number on the back or front of a credit card.

• Tell the customer that you will check with the bank and call them back. When you do that, keep good notes. Verify all information the customer provides. If a customer objects, explain that these procedures are for their protection, as well.

• If the customer still objects to providing any of the above information, abandon the conversation and advise that you are not prepared to do business this way.

Don’t Pay for Free Advice on Scholarships for College

2/1/2011

Posted on 2/1/2011 by

Millions of people depend on grants and scholarships to pay for college. Navigating the process of applying for financial aid can be confusing and some companies claim they can help, but only end up providing information and assistance the student can already get for free elsewhere. The Better Business Bureau recommends doing your research before paying a company to find financial aid for college.

During the 2009-2010 school year, $94 billion in grants was made available to college students to help cover education costs, according to The College Board. Sources of the funding included federal and state government, institutions, private entities and employers.

“Times are tight and many families desperately want to tap into the well of scholarships and grants to help their kids go to college,” said Jocile Ehrlich, President of the Better Business Bureau. “While some companies are trying to take advantage of struggling families looking for funding, the good news is that all of the information you need is already available for free.”

Every year, BBB receives complaints from parents who paid money upfront to a company that promised to find scholarships and grants for their child but ultimately didn’t deliver.

One such company, Edifi-College Financial Aid, sends prospective college students a letter explaining they have been selected for a personal interview. Students who call for their interview are scheduled for a financial aid seminar along with other students and parents. Complainants say they attended the seminar and later paid more than $1,000 for help finding aid, but the services offered were mostly assistance in filling out financial aid forms.

BBB is also receiving complaints about J.E.C.C., Inc. Complainants say they thought they were taking advantage of a free trial CD-ROM on how to get federal grants for college. Some were charged as much as $69 even before receiving the information in the mail and those who did receive the information complained that it wasn’t helpful at all.

BBB recommends listening for the following red flags when receiving the sales pitch from a financial-aid finder:

“The scholarship is guaranteed or your money back.” In reality no one can guarantee that they will get you a grant or scholarship. The refund guarantees that are offered usually have so many conditions or strings attached that it is almost impossible for consumers to get their money back.
“You cannot get this information anywhere else.” Actually, scholarship information is widely available in books, from libraries and financial aid offices and on the Internet, if you are willing to search for it.
“We will do all the work.” Only parents and students can really determine and provide the financial information needed to complete the forms.
“You have been selected by a national foundation to receive a scholarship.” If you have not entered a competition sponsored by the foundation, this claim is highly unlikely.
“May I have your credit card or bank account number to hold this scholarship?” This is never a requirement for a legitimate scholarship offer.
“The scholarship will cost some money.” Legitimate scholarship offers never require payment of any kind.

For more information on finding financial aid for school, visit www.fafsa.gov. BBB has advice for everyone on managing personal finances and avoiding scams at www.bbb.org/us/Consumer-Tips/

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Sheila Adkins at 703-247-9312.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Top Five Ripoffs When Buying Sports and Concert Tickets

2/1/2011

Posted on 2/1/2011 by

Whether you’re trying to snag tickets to the big game or the hottest concert, the Better Business Bureau warns that you run the risk of getting ripped off if you decide to gamble on a less than reputable source.

Fake tickets aren’t just a concern for people who want to go to the Super Bowl or see Lady Gaga, even smaller events can become a target. Not only were counterfeit tickets to major sporting events like the BCS Championship game or the NFL playoffs a problem this winter, consumers have also recently wasted money on fake tickets for UFC fights, and local concerts.

“Every season provides an opportunity for scammers to sell counterfeit tickets,” said Jocile Ehrlich, President of the Better Business Bureaus. “In the winter you have college football and NFL games leading up to the Superbowl, in the spring the hot tickets are for March Madness and hockey and NBA playoffs and then summer hits with big name concerts.”

If you’re looking to get ripped off buying event tickets, BBB recommends:

Believing you’re that lucky – The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it’s probably not on the level.

Wiring money to someone you don’t know – Say for some reason you do believe that a seller you found online who lives in another country really has tickets to an event in the US. The fact that the seller then asks you to wire money to pay for the tickets should be the final red flag that makes you walk away. When buying tickets online, ideally pay with a credit card or through Paypal because of the consumer protections provided.

Not doing your research – If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look. For example, the NFL has offered advice on how to tell if Super Bowl tickets are legit here.

Buying from scalpers at the event - Buying tickets outside the venue can be a game of roulette. You might get taken to the cleaners or the seats may be just as advertised. Keep in mind that, in some states, it’s illegal to charge more than the face value for tickets.

Choosing a disreputable online ticket broker – When purchasing tickets through an online broker, look for the BBB seal on their website and check them out online at www.bbb.org/us/Find-Business-Reviews. Review the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

For more advice on spending your money wisely and not getting ripped off, visit www.bbb.org/us/Consumer-Tips/

Do you know where your kids are…on the Internet? Keep your kids safe online by teaching them the seven stop signs

1/31/2011

Posted on 1/31/2011 by

Knowing where your kids are can be a full time job. Knowing where they are online—which websites they’re visiting and who they’re talking to—is even harder, but is no less important. The Better Business Bureau Children’s Advertising Review Unit encourages parents to teach their kids and tweens about unsafe online situations and recommends looking out for seven stop signs.

According to a study by the Neilsen Norman Group, kids as young as nine years old are becoming just as capable—if not more so—than their parents at navigating the Internet. While young kids may be computer whizzes, they aren’t necessarily as smart as their parents when it comes to identifying online threats, including predators and fraud.

“The best way to keep your kids safe online is to keep the lines of communication open,” said Jocile Ehrlich, Presdient of the BBB. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

You visit a website which asks for financial information like bank, credit or debit card numbers. Some websites may try to get at your wallet through your kids. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.

You visit a website that asks for personal information like your home address, first and last name, e-mail address, phone or Social Security number. Your kids may not realize that information such as their full name, address, phone number or even their e-mail address or Social Security Number can be very valuable to companies that want to market products to them and also to identity thieves or predators online.

A person you don’t know sends you inappropriate pictures or inappropriate language, or wants to actually meet up. Talk to your kids about what would constitute as inappropriate photos and conversations online, as well as the immense dangers of meeting up or talking to strangers.

You want to post a picture of yourself online. Posting pictures online can seem harmless, but can often provide important clues to predators. Approve any photos before your kid posts them online until you feel they are old enough to make the right call.

You are being harassed or bullied through a social networking site, e-mails or instant messages. Online bullying isn’t just a harmless prank and your kids need to know that it’s important they tell you before it goes too far.
You get a friend request on a social networking site from someone you don’t know. Friending someone online that you don’t know in real life is opening the door to many possible threats such as hackers and predators.
You want to sign up for a “free” service online or get “free” ringtones or daily joke text messages. “Free” rarely comes without a price online and supposedly, free services can result in repeated charges to your credit card or phone bill.

For more than 35 years, the BBB Children’s Advertising Review Unit has promoted responsible children's advertising by evaluating child-directed advertising and promotional material in all media to advance truthfulness, accuracy and consistency. CARU performs a high level of monitoring, including the scrutinizing of over ten thousand television commercials, and the review of advertisements in print, radio and online media.

To raise awareness of children’s online safety, CARU has created a series of TV PSAs that are airing nationwide and are also available online. Blogs, television and radio stations interested in spreading the word about online safety can contact Wayne Keeley at wkeekey@caru.bbb.org to learn more about airing these PSAs.

Parents can report websites that request personally identifiable information from children under 13 at www.CARU.org.

More information about kids online safety is available at the CARU Parent’s Corner.

Do you know where your kids are…on the Internet? Keep your kids safe online by teaching them the seven stop signs

1/31/2011

Posted on 1/31/2011 by

“The best way to keep your kids safe online is to keep the lines of communication open,” said Wayne Keeley, director of the BBB Children’s Advertising Review Unit. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

You visit a website which asks for financial information like bank, credit or debit card numbers. Some websites may try to get at your wallet through your kids. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.

You visit a website that asks for personal information like your home address, first and last name, e-mail address, phone or Social Security number. Your kids may not realize that information such as their full name, address, phone number or even their e-mail address or Social Security Number can be very valuable to companies that want to market products to them and also to identity thieves or predators online.

A person you don’t know sends you inappropriate pictures or inappropriate language, or wants to actually meet up. Talk to your kids about what would constitute as inappropriate photos and conversations online, as well as the immense dangers of meeting up or talking to strangers.

You want to post a picture of yourself online. Posting pictures online can seem harmless, but can often provide important clues to predators. Approve any photos before your kid posts them online until you feel they are old enough to make the right call.

You are being harassed or bullied through a social networking site, e-mails or instant messages. Online bullying isn’t just a harmless prank and your kids need to know that it’s important they tell you before it goes too far.
You get a friend request on a social networking site from someone you don’t know. Friending someone online that you don’t know in real life is opening the door to many possible threats such as hackers and predators.
You want to sign up for a “free” service online or get “free” ringtones or daily joke text messages. “Free” rarely comes without a price online and supposedly, free services can result in repeated charges to your credit card or phone bill.

Parents can report websites that request personally identifiable information from children under 13 at www.CARU.org.

More information about kids online safety is available at the CARU Parent’s Corner.

Attorney General DeWine Warns Consumers

1/28/2011

Posted on 1/28/2011 by

Ohio Attorney General Mike DeWine today encouraged consumers to guard their personal information online in recognition of Data Privacy Day, January 28.

"Protecting personal information is an important part of keeping Ohio families safe from financial fraud," said Attorney General Mike DeWine. "As consumers share more data online, taking the time to consider using strong privacy and security settings can help Ohioans better protect their most personal information."

Consumers can protect their personal information by taking the following steps:

• Know your privacy settings. If you use social networking sites, make sure you carefully control how much information is available to the public. If your privacy settings are set to "default," you may be sharing more than you realize. Regardless of your privacy settings, do not post your birth place, birth year, vacation plans, home address, or password clues on your profile.

• Configure your wireless router to encrypt data. If you use wireless Internet, be sure to activate your router's encryption feature to better protect information you transmit over the Web, such as account logins, passwords and credit card numbers. For help configuring your router, visit www.onguardonline.gov/topics/wireless-security.aspx.

• Don't assume that public "hot spots" are secure. Café, hotel, and airport "hot spots" are convenient, but assume that other people can see anything you view or send over a public wireless network.

To teach children and teens about online safety, the Ohio Attorney General's Office conducts presentations to children, parents, administrators, and parent-teacher associations across the state. The training covers cyber-bullying, online predators, and social networking.

To learn more or to file a consumer complaint, contact the Attorney General's Office at www.OhioAttorneyGeneral.gov or by calling (800) 282-0515.

Data Privacy Day is internationally recognized on January 28, when businesses, individuals, government agencies, nonprofit groups, and academics join together to raise awareness of information privacy.

To listen to an MP3 actuality from Attorney General DeWine about data privacy, visit www.OhioAttorneyGeneral.gov/DataPrivacyActuality.

BBB Welcomes January Accreditied Businessess

1/28/2011

Posted on 1/28/2011 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

A Notch Above
785 Calderwood Court Suite B
Lebanon, OH 45036
(513) 228-0925

Affordable Life
33 Donald Drive Suite 10
Fairfield, OH 45014
(513) 874-3730

Airport Ford
8001 Burlington Pike
Florence, KY 41042
(859) 371-4750

All Signs Express, Inc.
6610 Corporate Drive
Blue Ash, OH 45242

8470 US 42
Florence, KY 41042
(513) 489-7744

Ally Home Healthcare
270 Northland Blvd Suite 106
Cincinnati, OH 45246
(513) 785-0888

Art & Sign Studio, Inc.
1797 Big Bone Church Road
Union, KY 41091
(859) 384-385

Aveda Fredrics Institute
3654 Edwards Road
Cincinnati, OH 45208
(513) 533-0700

B

Bartley's Electric
617 Edgewood Avenue
Greenfield, OH 45123
(937) 981-4361

BBS Properties, LLC
310 East 10th Street
Latonia, KY 41011
(859) 462-9431

Beacon Hill Financial, LLC
409 North Broadway Street
Lebanon, OH 45036
(513) 257-0701

Bryan Osterday, DDS
1149 Fehl Lane
Cincinnati, OH 45230
(513) 231-9300

Business Directory Services, Inc.
4809 Factory Drive
Fairfield, OH 45014
(513) 887-7500

Busy Bistro Catering LLC
5191 Natorp Blvd
Mason, OH 45040
(513) 218-0639

C

CA Threatts & Sons, Inc.
1001 Kieley Place
Cincinnati, OH 45217
(513) 542-0896

Call Tim Ryan
9649 Crestfield Drive
West Chester, OH 45069
(513) 290-3497

Carrier Commercial Service
4958 Provident Drive
Cincinnati, OH 45246

9910 Windisch Road
West Chester, OH 45069
(513) 759-1500

Carrigan & Grimm, Inc.
1361 Tennessee Avenue
Cincinnati, OH 45229
(513) 641-2030

Cedarwood Lakes Tile Company, LLC
9 Broadview Place
Fort Thomas, KY 41075
(859) 760-9779

Century Inn Restaurant & Tavern
10675 Springfield Pike
Cincinnati, OH 45215
(513) 771-4816

Cincinnati Glove & Safety, Inc.
2973 PG Graves Lane
Cincinnati, OH 45241
(513) 769-3050

Clark Canine Academy LLC
988 Thunderbird Avenue
Cincinnati, OH 45231
(513) 687-3241

Cleaner Carpet & Janitorial, Inc.
11385 Landan Lane
Cincinnati, OH 45246
(513) 469-2070

Clear Choice Services
6699 Loveland Miamiville Road
Loveland, OH 45140
(513) 617-6769

CMDS
10988 Deerfield Road
Cincinnati, OH 45242
(513) 290-5219

Comfort Keepers - Cincinnati West
8015 Main Street
Miamitown, OH 45041
(513) 353-2640

CSI of Cincinnati
5809 Fourson Drive
Cincinnati, OH 45233
(513) 421-4388

E

Enzweiler Electric, LTD
4013 Clearpoint Drive
Cincinnati, OH 45247
(513) 652-3908

Euphoria Day Spa
33425 Princeton Road Suite 11
Hamilton, OH 45011
(513) 546-4391

F

Farley's Clover Pig Restoration
319 Kent Lane
Waverly, OH 45690
(740) 947-8393

Ferguson Moving & Storage
5850 Center Hill Avenue
Cincinnati, OH 45232
(513) 271-9200

Firegang
2200 Victory Parkway Suite 1508
Cincinnati, OH 45206
(513) 201-7845

Flagel, Huber, Flagel & Co.
9135 Governors Way
Cincinnati, OH 45249
(513) 774-0300

Flash In the Pan Personal Chef Service
4232 Brookside Avenue
Cincinnati, OH 45223
(513) 373-2060

Franklin Street Coin Company
10855 Reading Road
Cincinnati, OH 45241
(513) 554-0851

G

Gauges Shop
8460 Cincinnati Columbus Road
West Chester, OH 45069
(513) 777-0242

Ginter Construction
5566 Childs Avenue
Cincinnati, OH 45248
(513) 574-6382

Grout Medic
10840 Millington Court
Cincinnati, OH 45242
(513) 244-3340

H

Hammann's Butcher Shop & Catering
6180 Winton Road
Fairfield, OH 45014
(513) 858-3237

Hangar 6, Inc.
9645 North Shore Drive
Hillsboro, OH 45133
(937) 840-0624

Happy Feet Shoes & Apparel
215 North High Street Suite B
Waverly, OH 45690
(740) 941-1000

Hawk Mechanical Contracting, LLC
6753 Cheviot Road
Cincinnati, OH 45247
(513) 777-5021

Healthy Interior Services
459 David Lane Suite 100
Mason, OH 45040
(513) 398-6809

HH Motorsports, LLC
64 East Main Street
Amelia, OH 45102
(513) 753-0888

Hilton Garden Inn Cincinnati
11149 Dowlin Drive
Cincinnati, OH 45241
(513) 772-2837

Hoelle Construction
1041 Weller Avenue
Hamilton, OH 45015
(513) 896-7176

HomeWorks Plus, LTD
9026 Rich Woods Court
Loveland, OH 45140
(513) 791-1660

How May I Help You? Catering & Event Planning LLC
666 Harcourt Drive
Cincinnati, OH 45246
(513) 328-3212

HRS Construction
4814 Forest Meadows Court
Cincinnati, OH 45244
(513) 673-0940

I

Independent for Life
709 East Epworth Avenue
Cincinnati, OH 45232
(513) 344-9306

J

Janson Construction Company, Inc.
6904 Hearne Road
Cincinnati, OH 45248
(513) 325-3926

Jeff Thornton Remodeling
3441 Drake Street
Cincinnati, OH 45244
(513) 478-8692

Jeffrey Allen Corporation
3662 Poole Road
Cincinnati, OH 45251
(513) 385-8855

Jerry's Truck & Diesel Repair, Inc.
5618 Kilby Road
Harrison, OH 45030
(513) 367-2502

Jim Cline Upholstering, LLC
1481 Dixie Highway
Park Hills, KY 41011
(859) 331-5055

Joseph Ryan Quality Remodeling
3761 Creek Road
Cincinnati, OH 45241
(513) 403-2760

K

Kanta & Company
13 South Cherry Street
Lebanon, OH 45036
(513) 932-9880

Kennedy Plumbing
3005 Madonna Drive
Edgewood, KY 41017
(859) 743-8715

Kevin's Tree Service
324 North Jefferson Street
Harrison, OH 45030
(513) 737-5591

Kings Plumbing & Heating, LLC
3319 Whispering Woods Drive
Amelia, OH 45102
(513) 797-1183

Kramer Pools, Inc.
53 Winston Hill Road
Fort Thomas, KY 41075
(859) 441-1040

L

L & L Charters
999 Maycliffe Place
Cincinnati, OH 45230
(513) 300-1287

Lavin Law Group LLC
106 East Main Street
New Albany, OH 43054
(513) 257-0701

Lavin Law Group LLC
240 J.E. Bohanan Drive
Vandalia, OH 45377

409 North Broadway Street
Lebanon, OH 45036
(513) 257-0701

Liberty Tax
4627 Montgomery Road
Norwood, OH 45212
(513) 924-1040

3159 Dixie Highway
Erlanger, KY 41018
(513) 474-8299

8092 Beechmont Avenue
Cincinnati, OH 45255
(513) 474-8299

M

Macke Bindery, Inc.
10355 Spartan Drive
Cincinnati, OH 45215
(513) 771-7500

Mailender, Inc.
9500 Glades Drive
Hamilton, OH 45011
(513) 942-5453

Mandell-Brown Plastic Surgery Center
10735 Montgomery Road
Cincinnati, OH 45242
(513) 984-4700

Mar-Flex Systems Inc.
6866 Chrisman Lane
Middletown, OH 45042
(513) 422-7285

McDaniel Home Improvements
1156 Jesus Fan Drive
West Harrison, IN 47060
(812) 637-5747

Meineke Car Care Center
10754 Harrison Avenue
Harrison, OH 45030
(513) 202-0571

Melody's Boot Camp Fitness LLC
4438 Burlington Pike
Burlington, KY 41005
(859) 393-0157

Millennium Properties & Construction, LLC
3717 Roosevelt Blvd
Middletown, OH 45044
(513) 320-2383

Moore Universite of Hair Design
7030 Reading Road
Cincinnati, OH 45237
(513) 531-3100

N

National Educational Services, LLC
2631 Erie Avenue Suite 1
Cincinnati, OH 45208
(513) 871-2050

New Beginning Restoration, Inc.
1043 Terrytown Court
Cincinnati, OH 45246
(513) 578-2918

NY Gold & Diamonds, LLC
804 Main Street
Cincinnati, OH 45202
(513) 621-2364

O

Ohio Valley Truss Company
6000 US 50
Hillsboro, OH 45133
(937) 393-3995

On Demand Container
5511 Winton Road
Cincinnati, OH 45232
(513) 381-4538

P

Paint Busters
5425 Stillwell Beckett Road
Oxford, OH 45056
(513) 461-3658

Paolo A Modern Jeweler
278 Ludlow Avenue
Cincinnati, OH 45220
(513) 751-2171

Paradrome Square
1433 East McMillan Street
Cincinnati, OH 45206
(513) 861-1000

Pediatric Dentistry - David M. Sullivan, DDS, MS, Inc.
5177 North Bend Road
Cincinnati, OH 45211
(513) 662-5203

Premier Services
6129 Guinea Pike
Milford, OH 45150
(513) 477-6882

Pride Cheer Academy LLC
25 Cavalier Boulevard
Florence, KY 41042
(859) 816-8675

R

R & J Construction
3155 Senour Road
Independence, KY 41051
(513) 276-1186

Regency Custom Services
1107 Gracewind Court
Cincinnati, OH 45231
(513) 602-2869

Renaissance Remodeling Group
1106 Imprint Lane
Cincinnati, OH 45240
(513) 410-1400

Renewal of Cincinnati
2245 Gilbert Avenue Suite 203B
Cincinnati, OH 45206
(513) 961-3300

Richwood Automotive, Inc.
385 Mount Zion Road
Florence, KY 41042
(859) 371-8300

River City Entertainment
1382 Linden Creek Drive
Milford, OH 45150
(513) 604-3364

Robert Pillion Tree & Landscaping
405 Marsh Drive
Fairfield, OH 45014
(513) 418-8256

Robert Riehle Construction LLC
3270 Buell Road
Hamilton, OH 45013
(513) 738-1331

S

S. Clipson Metalworking Inc.
127 Novner Drive
Cincinnati, OH 45215
(513) 772-6393

S2 Lightscapes, LLC
10099 State Route 132
Pleasant Plain, OH 45162
(513) 551-3118

SCO Property Services
126 Elizabeth Drive
Hillsboro, OH 45133
(937) 763-9917

Summit Digital Networks LLC
4412 Carver Woods Drive Suite 205
Cincinnati, OH 45242
(513) 941-6111

Sweaty Bands, LLC
4650 Wilmer Court
Cincinnati, OH 45226
(513) 871-1222

T

TC Flooring & Cleaning Services LLC
1842 Andina Avenue
Cincinnati, OH 45237
(513) 300-0058

TeamLogicIT of Cincinnati West
3860 Race Road Suite 201
Cincinnati, OH 45211
(513) 574-3400

The Fence Company, LLC
1316 West Loveland Avenue
Loveland, OH 45140
(513) 697-9006

The National Bank and Trust Company
101 Harry Sauner Road
Hillsboro, OH 45133

125 West Main Street
Blanchester, OH 45107

1288 Wayne Road
Wilmington, OH 45177

1344 Rombach Avenue
Wilmington, OH 45177

135 North Howard Street
Sabina, OH 45169

1400 East Second Street
Franklin, OH 45005

141 Main Street
New Vienna, OH 45159

201 East Main Street
Batavia, OH 45103

227 Main Street Suite D
Owensville, OH 45160

244 West Main Street
Williamsburg, OH 45176

452 West Main Street
Mount Orab, OH 45154

48 North South Street
Wilmington, OH 45177

50 West Spring Valley Pike
Dayton, OH 45458

6210 Snider Road
Mason, OH 45040

6284 Riversbend Drive
Maineville, OH 45039

7110 Bachman Road Box 3
Sardinia, OH 45171

735 Lila Avenue
Milford, OH 45150

826 Franklin Road
Waynesville, OH 45068

885 South Main Street
Georgetown, OH 45121

910 Columbus Avenue
Lebanon, OH 45036

95 Edgebrook Drive
Springboro, OH 45066
(937) 382-1441

The Nuckols Company, LLC
5598 Glenway Avenue
Cincinnati, OH 45238
(513) 922-2246

The Waiting Room, LLC
2023 Garrard Street
Covington, KY 41014
(859) 431-5682

Thomas's We Shop and Drop
10742 Sunliner Court
Cincinnati, OH 45231
(513) 283-1741

Tim Cox Roofing
1113 Lake Knoll Court
Lebanon, OH 45036
(513) 767-6700

TP's Roofing & Exteriors
31 East Orchard Street
Covington, KY 41011
(859) 380-1376

Tri-Con, Inc.
11160 Kenwood Road Suite 200
Cincinnati, OH 45242

2040 North Ocoee Street
Cleveland, TN 37311
(513) 530-9844

Trophy Homes & Remodeling
540 Liberty Street
Newtonsville, OH 45158
(513) 309-3116

U

UN Printing Co., LLC
8922 Reading Road
Cincinnati, OH 45215
(513) 733-8220

V

Van Winsen Custom Carpentry, Inc.
3799 Schroeder Drive
Fairfield, OH 45011
(513) 874-7304

Viable Service Group, Inc.
3189 Princeton Road Suite 232
Hamilton, OH 45011
(513) 330-6116

W

Workhorse Contracting LLC
3109 Newtown Road
Cincinnati, OH 45244
(513) 461-9419

Y

Your Hometown Foot Care, Inc.
307 East Emmit Avenue
Waverly, OH 45690

802 Washington Street
Portsmouth, OH 45662
(740) 353-6911

Youthland Academy
4190 Harrison Avenue
Cincinnati, OH 45211
(513) 481-5118

Automobile “Supersales” Don’t Offer the Savings You Think

1/28/2011

Posted on 1/28/2011 by Jason McGlone

You’ve no doubt seen the ads before, either in your mailbox, in local papers or on television: “For one day only, you’ll be able to get a used car at these great sale prices.” These ads, which are generally created by third-party marketing companies, offer savings in the form of a “Special event.”

A recent ad in the Cincinnati Enquirer claims that consumers can buy used cars for $88, as well as other cars at “Rock-bottom prices” for “One day only.” The ad also describes a loose “game” element where customers must be sitting behind the wheel of a particular car in order to have the first opportunity at the price the dealership offers.

BBB recently conducted a series of investigations to determine whether those savings are actually real.

In short, they aren’t. The ads and the subsequent “Special events” that surround them seem to be constructed to encourage a sense of urgency in consumers to buy the available cars, while the claimed savings never actually materializes. This seems to have been exactly the case at the auto dealership BBB visited—the hoopla surrounding the game element of the sale definitely overshadowed the prices that were offered.

During our shopping excursion at this Cincinnati-area car dealer, we noticed that consumers were genuinely excited to be getting a deal, but when the sales crew revealed their prices, that excitement went a bit sour.

BBB took note of the prices of several vehicles during and after the recent “Supersale,” and the results were a bit alarming.

One car that the company offered at the “Supersale” was priced at $7000, and later quoted BBB staff a price of $5,995. Another car was priced at $12,995 during the sale, but later was quoted at $9,900. Other price quotes that BBB obtained both during and after the “Supersale” show a similar pattern of actually being higher during the “Supersale.”

This pattern is something that BBB is deeply concerned with. As a result, it is currently in contact with the car dealer to ask that they address the issue or cease to hold these events.

Have you seen an advertisement you think might be misleading? Contact BBB at 513-421-3015 or visit http://cincinnati.bbb.org.

BBB alerts consumers to potential bank scam

1/28/2011

Posted on 1/28/2011 by

The Better Business Bureau today issued a warning about phone messages allegedly originating with US Bank. The messages instruct consumers to call an 800 number because there has been an alert placed on their bank account.

Instead of a normal banking customer service system, which asks callers to walk through numeric or voice prompts to provide service, the phone number, 800-872-2625, tells callers they have reached US Bank and a customer service representative will be with them shortly and then connects callers with a person who identifies themselves as a representative of US Bank.

During a BBB test call to the 800 number, the representative refused to provide any information about what type of alerts or activity the initial message referred to unless specific account information was provided. When the BBB caller asked to speak with a supervisor, the alleged bank representative again refused unless specific account information was first provided even though the BBB caller explained the reasons for concern.

A subsequent call to US Bank customer service verified that there was no alert on the account in question and that their customer service department would have automatically allowed the caller to speak with a supervisor upon request. A call to the US Bank Fraud Alert department also confirmed that the 800 number, 800-872-2625, was not a US Bank number and that the call was a scam.

The phony call center number is a close variation of the real US Bank customer service number, 800-872-2657, which could easily confuse customers into thinking it, is legitimate.

If you receive a text or phone message claiming to be from any bank or financial institution, the BBB advises you to immediately contact the customer service number on your banking card or statement.

BBB issues alert regarding malware connected to online job postings

1/26/2011

Posted on 1/26/2011 by

Your BBB is issuing an alert that E-mails containing malware are being sent to businesses concerning their online job postings. The FBI reports that cyber criminals are engaging in ACH/wire transfer fraud and are targeting businesses by responding via e-mail to employment opportunities posted online.

According to the FBI, more than $150,000 was stolen from a U.S. business via an unauthorized wire transfer as a result of an e-mail the business received that contained malware. The malware was embedded in an e-mail response to a job posting the business placed on an employment website and allowed the attacker to obtain the online banking credentials of the person who was authorized to conduct financial transactions within the company. The malicious actor changed the account settings to allow the sending of wire transfers, one to the Ukraine and two to domestic accounts. The malware was identified as a Bredolab variant, svrwsc.exe. This malware was connected to the ZeuS/Zbot Trojan, which is commonly used by cyber criminals to defraud U.S. businesses.

Employers should stay up-to-date on their virus protection. Running a virus scan prior to opening any e-mail attachments from a potential employee could provide more security.

The FBI recommends businesses use separate computer systems to conduct financial transactions.

Anyone who believes they have been a target of this type of attack should contact their financial institutions, the FBI, and report it to the IC3's website at www.IC3.gov.

Be On Alert for Fake Super Bowl Tickets

1/25/2011

Posted on 1/25/2011 by
Fans of the Pittsburgh Steelers and Green Bay Packers looking for Super Bowl XLV tickets should be alert for fake ticket scams.

“Anytime there’s a big event in the news, scammers will focus on that and catch you off guard,” Jocile Ehrlich of the BBB in Cincinnati said. “If it sounds too good to be true, trust your instincts and don’t buy.”

For tips from the NFL on how to tell if your Super Bowl ticket is legit, see
http://www.nfl.com/superbowl/story/09000d5d81d40d6a/article/how-to-tell-if-your-super-bowl-ticket-is-legit

To check out a ticket broker, start at www.bbb.org

The BBB on Dateline

1/25/2011

Posted on 1/25/2011 by

This Sunday, January 30 at 7pm/6pm CT, Dateline presents a compelling new franchise, "The Hansen Files."

With the help of the Better Business Bureau, Chris Hansen and "Dateline's" hidden cameras uncover secrets and scams-- taking a special look into a nationwide ring of air duct cleaning companies. This brazen scam-- one that has thrived for more than a decade-- cons thousands of consumers out of millions of dollars, and targets one of the most vulnerable segments of the population: the elderly.

"Dateline" discovers that many air duct cleaning companies across the country are using advertising tricks, such as the infamous "bait and switch," promising a low price for the service, only to raise it once in the door. Using hidden cameras, viewers watch what happens as their volunteers call one of the rogue companies. What you'll see next will surprise and offend you, as these air duct cleaners take their volunteers to the cleaners! But the technician will be in for a surprise when Chris Hansen shows up to expose them.

Lookout for Smishing Scams

1/21/2011

Posted on 1/21/2011 by

A new year means new scams, this time, targeting cell phone users. “Smishing” is a new practice where scammers contact individuals through text messages asking them to provide personal information, reports MSNBC.

Like traditional “phishing,” smishing schemers often pose as banks asking customers to contact them immediately about a pressing issue that needs to be discussed. Victims of the scam are asked to call a toll-free number and provide information, such as their debit card or account number and password, to a fake automated system.

Smishing is quite effective since most people are more likely to trust a text message rather than a traditional email scam. Scammers often receive victims’ information via online purchases.

The BBB advises people to be wary of any suspicious text message or email asking for personal information. If asked for bank information, call your bank immediately rather than the number indicated in the message. Also, do not reply to the message. Scammers could be testing the number to see if it is active. Lastly, call your cell phone provider to block the number, as well as any premium text messages.

To read the full article, visit: http://www.msnbc.msn.com/id/41121201/ns/technology_and_science-security/

BBB Warns of Microsoft Phishing Scam

1/20/2011

Posted on 1/20/2011 by

Cincinnati’s BBB has recently received information from consumers receiving phishing phone calls from people claiming to work for Microsoft.

The phishing scam works like this: Callers impersonating Microsoft representatives claim they’ve been notified by your anti-virus provider about serious virus issues on your computer.

The caller warns that if the problem is not solved, your computer will become unusable. You’re then directed to a website and told to download a program that hands over remote access to your computer, and then you’re offered a preventative service for a fee.

The catch? There is nothing wrong with your computer, the caller does not work for Microsoft, and you have just given a complete stranger access to every piece of data on your computer.

BBB recommends that consumer treat all unsolicited phone calls with skepticism, and to not provide any personal information to unknown persons. Phishing is an attempt to steal your identity, not just your money.

To find out more about phishing schemes like these, visit bbb.org.

Reshipping Scam Resurfaces

1/19/2011

Posted on 1/19/2011 by Janice Clemente

The old reshipping scam has resurfaced, this time using the name of a real company in Cincinnati - Direct Express Delivery Services Inc. Click here to view our report on the imposter Direct Express Delivery Service Inc.

Those that come across the job advertisement for a “Shipping Agent” on Simplyhired.net may think they are dealing with the legitimate business, but don’t be fooled. The slick website (www.directexpress.biz) is a fake and what they are asking you to do when you are “hired” is actually illegal.

BBB was told by one consumer who answered the job ad was told he would be working from home as a shipping agent. The work seemed easy - he would accept boxes of merchandise delivered to his home, re-label the packages using prepaid shipping labels provided by the company, and then bring to the boxes to the post office to be shipped of to their final destination (usually to an address out of the county). He was to be paid a hefty commission for each box he sent out.

Unbeknownst to him at the time, and to many that fall for the scam, is that the merchandise is stolen. Scammers purchase goods online using stolen credit cards. To elude authorities and conceal their identities they find accomplices to move the goods out of the country through these job advertisements. These innocent victims may think they are working for a legitimate business, but in actuality they are “mules” used to ship stolen goods out of the country.

To protect yourself from these job scams, avoid job listings that use these descriptions: package forwarding, reshipping, money transfers, wiring funds and foreign agents. These and similar phrases should raise a red flag. Never forward or transfer money from any of your personal accounts on behalf of your employer. If a job requires you to make money transfers, the money should be withdrawn from the employer's business account, not yours. And don’t be fooled by official-sounding corporate names. Scam artists frequently operate with similar sounding names of long-standing, reputable firms to conceal their true identity.

If you have questions about the legitimacy of a job listing, contact your BBB, your state or local consumer agency or the Federal Trade Commission.

Hamilton County Coalition Launches New Resource to Fight Fraud

1/19/2011

Posted on 1/19/2011 by Leslie Kish

If you are a regular reader of this blog, you’ll see that there are a lot of scams out there. BBB is proud to be participating in the Hamilton County Coalition to Stop Fraud, Scams and Abuse. This group was assembled by Hamilton County Commissioner Greg Hartmann to give the residents of Hamilton County the tools to identify, prevent and report scams.

The coalition maintains an educational website at http://www.hamilton-co.org/fraud/, a FaceBook page, a twitter feed and will be conducting an outreach event on a different topic each month. The focus for January is Foreclosure Rescue Fraud.

Hamilton County Coalition Launches New Resource to Fight Fraud

1/18/2011

Posted on 1/18/2011 by Leslie Kish

Becoming a Caregiver For an Elderly or Disabled Parent

1/18/2011

Posted on 1/18/2011 by Trisha Sefakis

If you are caring for an elderly or disabled relative that needs help dealing with their Social Security Benefits, you can apply to be representative payee. The Social Security Administration will do a thorough investigation to make sure that the applicant meets all the requirements. The representative payee will receive the elderly/disabled persons’ benefits to use on their behalf. As their representative you must have a good understanding of all their needs so that you can use the benefits to the best interest of the person in your care. Food and shelter are first priorities then medical bills followed by personal needs and recreation.

For more information on becoming a representative payee, you can visit www.socialsecurity.gov/payee

Fast Forward Financial Directions Loan Scam

1/11/2011

Posted on 1/11/2011 by Janice Clemente

Hoping to better her family with the loan she would receive, one local consumer wired over $800 to Fast Forward Financial Directions. She never received the loan and now faces overdrawn charges along with her mounting debt.

Fast Forward Financial Direction’s website is filled with promises that you will receive a loan within 48 hours, no matter what your credit history is like. The slick website includes testimonials of satisfied customers, company contact information and a convenient online loan application form. But consumers should beware -- the company’s loan offer is a scam.

When Donna (her real name withheld for privacy reasons) contacted Fast Forward Financial Directions through their website, she was immediately approved for a loan. However, they told her that she would need to put $300 down as collateral and pay another $300 after the funds were dispersed to her. So Donna wired the money as instructed. She didn’t think to question that the money she was to wire was going to an individual residing in Canada. Instead, she was relieved by their promise that her loan would be deposited into her account within the hour and all her troubles would be over.

But the money never arrived in her account. She called the company back, frustrated and confused. However, Keith at the company reassured her that she just misunderstood the offer. Instead, of only paying $300 in collateral, she was actually supposed to pay the full $600 upfront. So, she obligingly wired another $300 and waited again for the loan to arrive into her account.

The loan never arrived, so she called the company once again. She was quickly transferred to a manager. After voicing her anger and frustrations to him, he apologized and told her that if she paid $200 she would certainly receive the full loan in 1-3 hours.

You guessed it – the loan never arrived.

Donna fell for what is known as the Advanced Fee Loan Scam. Consumers should be aware that these loan offers are bogus. BBB warns that no legitimate company will ask you to pay in advance of a loan, nor will they ask for any loan fee to be wired to them directly by Western Union, Moneygram, or any other wire service. Traditional banks generally deduct fees from the loan amount when the funds are dispersed to you and will never ask you to pay a loan fee upfront.

To protect yourself against Advance-Fee Loan Schemes:

· Seek credit locally before looking elsewhere. If you are turned down make sure you fully understand why.

· Do not act immediately. Many Advance-Fee Loan Schemes will try to get you to send money or give out credit card numbers before you get any paperwork or have a chance to check them out.

· Beware of anyone who claims that acting before you receive paperwork speeds up the processing of the loan.

· Get references and investigate them.

Unfortunately, for Donna there is no happy ending to her story. In her last correspondence with the company she emailed a heart-felt plea, begging that they give her the loan before Christmas and fulfill at least a part of what they promised to her. Her email was returned as undeliverable.

If you are a victim, BBB strongly suggests that you contact the Federal Trade Commission at www.ftc.gov to file a report. You can also contact your local consumer protection agency and the Internet Crime Complaint Center at www.ic3.gov. Since consumers also report to us that they are instructed to wire funds to Canada, victims should contact the Canadian Anti-Fraud Center, otherwise known as PhoneBusters at www.phonebusters.com or by calling 1-888-495-8501 to report the fraud.

Sunday, January 9th - BBB on Dateline

1/7/2011

Posted on 1/7/2011 by Trisha Sefakis
This Sunday, January 9th at 8pm/7pm CT, Dateline presents a compelling new franchise, "The Hansen Files." With the help of the Better Business Bureau, Chris Hansen and "Dateline's" hidden cameras uncover secrets and scams-- taking a special look into a nationwide ring of air duct cleaning companies. This brazen scam-- one that has thrived for more than a decade-- cons thousands of consumers out of millions of dollars, and targets one of the most vulnerable segments of the population: the elderly. "Dateline" discovers that many air duct cleaning companies across the country are using advertising tricks, such as the infamous "bait and switch," promising a low price for the service, only to raise it once in the door. Using hidden cameras, viewers watch what happens as our volunteers call one of the rogue companies. What you'll see next will surprise and offend you, as these air duct cleaners take our volunteers to the cleaners! But the technician will be in for a surprise when Chris Hansen shows up to expose them.

How to Spot a Scam

1/7/2011

Posted on 1/7/2011 by Trisha Sefakis

If you have encountered an offer and can check yes to any of the following, then you should disregard the offer as fraudulent.

1. You have won a contest that you have never heard of.

2. You are pressured to “Act Now”.

3. You have to pay a fee to receive your “prize”.

4. Your personal information is requested.

5. A large down-payment is requested.

6. The company refuses to provide written information.

7. The company has no physical address, only a P.O. Box.

8. They insist that you pay cash.

Please check out a company before doing business with it at www.cincinnati.bbb.org, where you can start with trust!

Seven Scams that Target Small Businesses

1/4/2011

Posted on 1/4/2011 by

The BBB is warning business owners to look out for the following seven scams that commonly target small companies:

Directory Scams – A perennial problem that has plagued businesses for decades involves deceptive sales for directories. Commonly the scammer will call the business claiming they just want to update the company’s entry in an online directory or the scammer might lie about being with the Yellow Pages. The business is later billed hundreds of dollars for listing services they didn’t agree to or for ads which they thought would be in the Yellow Pages.

Office Supply Scams – Some scammers prey on small business owners hoping that they won’t notice a bill for office supplies like toner or paper which the company never ordered. Every year BBB receives thousands of complaints from small business owners who were deceived by office supply companies and billed for products they didn’t want.

Overpayment Scams – Be extremely cautious if a customer overpays using a check or credit card and then asks you to wire the extra money back to them or to a third party. Overpayment scams target any number of different companies including catering businesses, manufacturers, wholesalers and even sellers on sites like eBay, Craigslist and Etsy.

Data Breaches – No matter how vigilant your company is a data breach can still happen. Whether it’s the result of hackers, negligence or a disgruntled employee, a data breach can have a severe impact on the level of trust customers have in your business. You can learn how to defend your company from a data breach for free with BBB’s Data Security – Made Simpler at www.bbb.org/data-security.

Vanity Awards – While it’s flattering to be recognized for your hard work, some awards are just money-making schemes and have no actual merit. If you are approached about receiving a business or leadership award, research the opportunity carefully and be wary if you’re asked to pay money.

Stolen Identity – Scammers will often pretend to be a legitimate company for the purposes of ripping off consumers. When it comes to stolen identity, the company doesn’t necessarily lose money, but their reputation is potentially tarnished as angry customers who were ripped off by the scammers think the real company is responsible.

Phishing E-mails – Some phishing e-mails specifically target small business owners with the goal of hacking into their computer or network. Common examples include e-mails pretending to be from the IRS claiming the company is being audited or phony e-mails from the BBB saying the company has received a complaint. If you receive a suspicious e-mail from a government agency or the BBB, don’t click on any links or open any attachments. Contact the agency or the BBB directly to confirm the legitimacy of the e-mail.

For more advice on how to manage your business effectively, visit www.bbb.org/us/Business-Resources/.

Resolve to Give Back; Five Tips for Volunteering

1/4/2011

Posted on 1/4/2011 by

Donating your time to a charity is in many ways similar to deciding to make a cash donation. You want to know that the charity you’re considering is accountable and will use your time and talent effectively. If you’ve made giving back part of your New Year’s resolutions, the BBB Wise Giving Alliance recommends taking five steps to make sure your volunteering has a big impact.

Much of the great work that charities perform is made possible because of volunteers and the number of people giving their time continues to grow. According to the most recent numbers from the Bureau of Labor Statistics, 63.4 million people volunteered for an organization in 2009, or 26.4 percent of the US population.

“Particularly in this tough economy, charities need volunteers to help the community and those in need,” said Jocile Ehrlich, BBB President “Volunteering can be an extremely rewarding experience, but you want to be thoughtful and do your research when you give your time, just as if you were giving money.”

The BBB Wise Giving Alliance recommends taking the five following steps to make sure your time and energy are put to great use as a volunteer:

Identify your skills. Volunteering opportunities are available for any skill level. Consider what you’re good at and what services you’d be particularly well-equipped to provide. From stuffing envelopes to construction to providing pro bono legal advice, you can find a good fit regardless of your education or talents.

Consider your passions. Maximize your enthusiasm for volunteering by finding an issue that resonates with your own personal passions. If you’re a runner, consider a marathon fundraiser. If you like history, look for opportunities to help out at an archeological dig. By indentifying your passions, you’re more likely to stay engaged with the charity and be a more effective volunteer.

Determine your availability. Make a realistic estimate of how much time you’re willing to give. Maybe it’s just a weekend of picking up trash at a park, a week of building schools in a foreign country or maybe you’re willing to make a long-term commitment to tutoring someone to read. It’s better to volunteer the amount of time you can reasonably handle, rather than drop out in the middle of a longer commitment.

Research the charity thoroughly. Just as you would before making a cash donation, research the charity fully before you volunteer to make sure the organization has a commitment to standards and accountability. You can view BBB Wise Giving Alliance evaluations on nationally-soliciting charities for free at www.bbb.org/charity.

Commit to stick with it. According to an article in the Stanford Social Innovation Review, more than one third of those who volunteer one year don’t volunteer anywhere the following year. Even if your early attempts at volunteering weren’t a good fit, keep at it and look for new opportunities to give back. In a tough economy, charities need the support of volunteers more than ever.

Following are just a few sites that list volunteer openings:

For more advice on volunteering and to view charity evaluations on nationally-soliciting organizations, visit www.bbb.org/charity.

Ten Questions to Ask Before Joining a Gym

1/4/2011

Posted on 1/4/2011 by

Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. If you’re pledging to lose some pounds this year by joining a gym, the Better Business Bureau recommends asking ten questions before signing on the dotted line.

In 2009 alone, BBB received 7,787 complaints about gyms and health clubs, putting the industry in the top 20 for most complained about businesses. Not only does BBB receive a lot of complaints about gyms, but complaints increased by 21 percent in 2009 over the previous year.

“Regardless of how eager you are to start losing weight in the New Year, take the time to do your research before joining a gym and don’t give in to high-pressure sales pitches,” said Jocile Ehrlich, BBB President. “Always check the health club out with your Better Business Bureau, inspect the facilities closely and read the contract carefully, making sure that all of the promises are in print.”

BBB recommends asking the gym and yourself the following 10 questions before signing up for a membership:

Questions to ask the gym:

What are the terms of any introductory offers?
Gyms often use special introductory offers to lure in new members. Just make sure you understand the terms and what the price will be once the introductory period is over.

Will my membership renew automatically?
Every year, BBB receives a large number of complaints from people who joined a gym and didn’t realize that their contract would renew automatically and that they would have to take specific steps to cancel their contract.

How can I get out of my contract? Getting out of a gym contract isn’t always as easy as getting into one so make
sure you understand what steps you would need to take to cancel your membership

What happens if I move?
Gyms have any number of different policies when it comes to how moving will affect your membership. It might depend on how far away you’re moving and if they have other locations nearby.

What happens if you go out of business?
BBB often receives complaints from people after their gym suddenly closed up shop and took their money with them. Ask the gym to explain what will happen to your money if they suddenly go out of business.

Questions to ask yourself:

What are my fitness goals?
Determining your fitness goals in advance will help you select a facility that is most appropriate for you. If you have a serious health condition, consult with a medical professional when setting your fitness goals.

Is this location convenient? If the gym is across town, you’ll be less likely to workout. Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.

Can I really afford this every month? Monthly gym fees add up and, after any introductory periods are over, the price could jump higher than your budget can handle. Do the math before you join and make sure you can afford a gym membership.

Am I feeling pressured to join? Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities and make an informed decision.

Did I get everything in writing? Read the contract carefully and make sure that all verbal promises made by the salesperson are in writing. What matters is the document you sign, so don’t just take a salesperson’s word for it.

For more advice from BBB on how to be a savvy consumer all year long, visit www.bbb.org/us/Consumer-Tips/.

Look for Seven Red Flags When Applying to a For-Profit College

1/4/2011

Posted on 1/4/2011 by

Enrollment at for-profit schools—including trade schools and online universities—has skyrocketed in recent years. Unfortunately, not all schools offer a quality education and enrolling in a sub-par program can be a waste of time and money. When checking out for-profit schools, the Better Business Bureau recommends doing your research and looking for five red flags.

For-profit colleges enroll 1.8 million students—a number that has increased significantly in the last decade, according to the US Department of Education. While for-profit schools are becoming a more popular option for students, a recent investigation by the US Government Accountability Office (GAO) found that some are misleading students about the cost and quality of the education they will receive.

“If you’re looking to expand your horizons and get a better education, take the time to explore all of your options and do your research,” said Jocile Ehrlich, BBB President. “Not all post secondary schools offer the same level of education and you can waste tens of thousands of dollars and years of your life if you sign up with an institution that doesn’t meet standards.”

When applying to a for-profit school, the BBB recommends looking out for the following red flags:

The recruiter uses high-pressure sales tactics.
If a sales rep is subjecting you to high pressure sales tactics—including bullying you or claiming you have to sign up immediately, just walk away. A reputable school will take the time to answer your questions, allow you to talk to a financial aid advisor and not push you into making a hasty decision.

The recruiter exaggerates potential income or guarantees a job.
Beware of any school that guarantees you will get a job after completing their program. Landing a job is never a sure thing, especially in this economy. If the representative tells you how much money you’ll make after completing their program, confirm it with a third party—don’t just take their word for it.

The prices are inflated when compared to other options.
A recent GAO investigation alleged price gouging at some for-profit schools. As an example, one school charged $14,000 for a certification in massage therapy while a similar certification at a local public college would have cost only $520. Before signing up with any for-profit school, do your research and compare costs against other for-profit schools and public colleges.

The school is not accredited.
Accreditation is extremely important, but not always easy to confirm. Ask the school’s representative about national and regional accreditation and then confirm with the accrediting organization. You can check with the US Department of Education at http://ope.ed.gov/accreditation/ to learn which post secondary schools are accredited by approved agencies. More information on the importance of accreditation is available through the Council for Higher Education Accreditation’s website.

The degree or program seems too easy to obtain.
Diploma mills pose as online schools and often promise to give you a cheap and easy degree. Unfortunately, such diplomas aren’t worth the paper they’re printed on and won’t be recognized by the military, employers or other colleges. If the degree seems too easy to earn—this includes simply taking a test online or earning your degree based largely on life experience—it probably isn’t legitimate.

The school does not disclose information as required.
Some of the for-profit schools the GAO investigated "failed to provide clear information about the college's program duration, costs, or graduation rate despite federal regulations requiring them to do so." Don’t be afraid to ask plenty of questions when talking to recruiters and if you get the runaround instead of clear, concise answers, it’s a bad sign.

The recruiter encourages you to lie on financial aid forms.
The GAO report also found that some recruiters encouraged students to lie on their financial aid applications in order to get more money from the government to pay for tuition. If you get caught lying on your financial aid forms, not only will you have to pay the government back the money you borrowed, you could be fined and sent to prison.

For more advice on managing your personal finances and finding trustworthy businesses, visit www.bbb.org/us/Consumer-Tips/

Credit Cards are Safe Ways to Make Purchases, But Make Sure You Keep Them Safe

12/20/2010

Posted on 12/20/2010 by Jason McGlone

Using credit cards are the safest way to make holiday purchases. The Better Business Bureau would like to remind shoppers to protect card information from being stolen. Reconcile receipts monthly to avoid overlooking recurring charges. Sign up for the card company’s fraud protection and alert service. Don’t sign a blank receipt – if there are blank spaces draw a line thru them. Never leave your purse unattended while shopping. You may not want to shop with all of your credit cards in your purse or wallet, only take the ones you plan to use that day. A few simple steps can ensure a safe holiday shopping season.

Ohio Attorney General Offers Last-Minute Holiday Shopping Tips

12/17/2010

Posted on 12/17/2010 by

As holiday shoppers scramble for last minute deals this weekend, Ohio Attorney General Richard Cordray warns consumers to shop smart.

"During the holidays it's easy to get swept up in the shopping rush and lose sight of the everyday precautions consumers should take," said Cordray. "This year, I urge shoppers to think first before taking advantage of that seemingly good deal."

Cordray offers consumers the following tips.

· Put safety first: Never leave your purse or wallet unattended. If you park your car at the mall, protect yourself from theft by storing valuables out of sight in the trunk or glove compartment. When checking out at the store, make sure no one is looking over your shoulder. They might be trying to record your credit card number or other personal information.

· Read the fine print: Exclusions and limitations to an offer must be listed in the ad or the coupon. Make sure you understand all the details before heading to a sale. Bring the ad with you to help to find the exact product you want.

· Be careful buying gift cards: If a store goes out of business, you (or the card's recipient) may not be able to recover money from any unused balances. Be sure to use gift cards quickly. Most gift cards are required to last at least five years, but depending on the type of card, fees may take effect after one or two years, reducing the gift card's value.

· Check refund policies and keep your receipts: Under Ohio law, stores must clearly post their refund policies before you make a purchase. Make sure you understand exactly how much time you have to return an item before you buy it. Keep your receipts and compare them with the charges that appear on your bank account.

· When buying online, watch for free offers that will cost you: Some free trial offers are actually part of a billing practice known as negative option. If you fail to cancel the offer within a specific and often narrow timeframe, you may be billed automatically each month until you cancel. Before providing your payment information, read the website's information very carefully. Also check delivery dates and consider sending a gift directly to the recipient to save time.

· Research companies' reputations: Search for complaints filed against a business with the Ohio Attorney General's Office and the Better Business Bureau. Do business only with reputable companies to guard against unexpected problems.

Consumers who want to learn more about their rights or those who believe they have been treated unfairly should contact the Ohio Attorney General's Office at www.OhioAttorneyGeneral.gov or (800) 282-0515.

BBB Welcomes December Accredited Businesses

12/17/2010

Posted on 12/17/2010 by
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A
AdepTech
5231 Sidney Road, Apt 4
Cincinnati, OH 45238
(513) 543-3818

Admiral Services
8212 Chestnut Hill Court
West Chester, OH 45069
(513) 485-5679

Air Duct Technologies, LLC
3016 Snowvalley Court
Cincinnati, OH 45251
(513) 560-0046

All Scapes and Sizes, LLC
4609 Hunt Road
Cincinnati, OH 45242
(513) 257-3141

All That Cleaning Service LLC
3977 Brandychase Way, Apt 397
Cincinnati, OH 45245
(513) 543-8438

Aquatic Choice Solutions
119 North Meridian Street
Sunman, IN 47041
(812) 623-2253

Arctic Media LLC
8007 Buckland Drive
Cincinnati, OH 45249
(513) 535-1790

Ashcraft Autobody
710 Green Blvd
Aurora, IN 47001
(812) 926-2110

Atkins Woodworking
119 North Meridian Street
Sunman, IN 47041
(812) 623-2253

B
B & B Loan, Inc.
837 Gallia Street
Portsmouth, OH 45662
(740) 353-4250

Bridal Divas Ink
2412 Madison Avenue
Cincinnati, OH 45212
(513) 748-0235

Brighton Technologies Group, Inc.
5129 Kieley Place
Cincinnati, OH 45217
(513) 469-1800

Britain Street Diamonds
5621 Chancellor Lane
Morrow, OH 45152
(513) 899-4651

Bzak Design Group
5200 Salem Hills Lane
Cincinnati, OH 45230
(513) 831-3155

C
CARSTAR Hyde Park Oakley
4016 Allston Street
Cincinnati, OH 45209
(513) 731-8585

Celtic Electric & Remodeling, LLC
1744 Schneider Avenue
Cincinnati, OH 45223
(513) 284-9756

Cipher Recovery Services, LLC
3512 Eastern Avenue
Cincinnati, OH 45226
(800) 593-1913

Clarity Windows
6686 English Garden Way
Mason, OH 45040
(513) 276-1600

Clubb House Arms
426 West Pike Street
Morrow, OH 45152
(513) 899-9231

Community Orthodontic Care, Inc.
10535 Montgomery Road, Suite 100
Cincinnati, OH 45242
(513) 791-9336

Complete Masonry, Inc.
7051 Hill Station Road
Goshen, OH 45122
(513) 312-0106

Crosstown Service
1885 Crosstown Road
Williamsburg, OH 45176
(513) 724-6526

D
Dadjam Advertising
757 Dorgene Lane
Cincinnati, OH 45244
(877) 323-5267

Darryl Carter Cleaning Service
1490 Clovernook Drive
Elsmere, KY 41018
(859) 801-2952

Day Share Senior Services
5915 Glenway Avenue
Cincinnati, OH 45238
(513) 451-1100

DJK Painting Company
2211 McGregor Place
Cincinnati, OH 45219
(513) 919-6367

Dr. Charles E. Kenner DMD, PSC
7000 Houston Road, Suite 35
Florence, KY 41042
(859) 371-0183

F
F. Harrison Green Co., LPA
4015 Executive Park Drive, Sute 230
Cincinnati, OH 45241
(513) 769-0840

Fitzhugh Remodeling
1509 Karahill Drive
Cincinnati, OH 45240
(513) 851-9087

Five Star Profection
1545 State Route 41
Hillsboro, OH 45133
(937) 403-7353

Fluid Component Services, Inc.
162 County Road 120
South Point, OH 45680
(740) 894-3139

Fuller Computer Solutions, Inc.
5133 Delhi Pike, Suite 4
Cincinnati, OH 45238
(513) 347-5800

G
General Cable Corporation
4 Tesseneer Drive
Highland Heights, KY 41076
(859) 572-8000

H
Hair Trends
5317 Foley Road
Cincinnati, OH 45238
(513) 922-7123

Haute Stuff
1019 18th Street
Portsmouth, OH 45662
(740) 353-5150

Hoffman Home Services
1454 Melinda Lane
Elsmere, KY 41018
(859) 727-3112

Holiday Hills Resort, Inc.
4600 Hartford Pike
Aurora, IN 47001
(812) 926-2448

I
Ingram Drywall Company
2984 Westbrook Drive
Cincinnati, OH 45238
(513) 662-0350

J
Johnny's Auto Repair, LLC
207 Township Road 277
Ironton, OH 45638
(740) 534-9262

Jump Zone Milford
737 US 50
Milford, OH 45150
(513) 322-2521

K
Kardol Quality Products, LLC
285 South West Street
Lebanon, OH 45036
(513) 933-8206

L
Liquidators World LLC
2940 Highland Avenue, Suite 210
Cincinnati, OH 45212
(513) 470-7000

Longaberger Independent Consultant
125 East Sharon Road
Cincinnati, OH 45246
(513) 772-2936

M
Mature Strategies, LLC
3000 Fairfield Avenue
Cincinnati, OH 45206
(513) 560-0527

McCain & Associates of Ohio, LLC
42 Jacob Court
Wheelersburg, OH 45694
(888) 861-9993

McKibben Accounting LLC
5842 Juvene Way
Cincinnati, OH 45233
(513) 451-1605

Michael Harris Electronic Filing
10042 Chester Road
Cincinnati, OH 45215
(513) 772-5229

Muscle Auto Glass
7775 Cedar Wood Circle
Florence, KY 41042
(859) 393-6804

N
National Property Inspection
1374 Meadowlark Lane
Amelia, OH 45102
(513) 305-4277

Noland Remodeling & Lawn Care
3839 South Broadlawn Circle
Cincinnati, OH 45236
(513) 310-9265

Norton Concrete Service, LLC
6487 Kimberly Drive
Hamilton, OH 45011
(513) 460-3033

O
Ohio Lunch
332 High Street
Hamilton, OH 45011
(513) 892-9556

Osborn Rohs Williams & Donohoe, LLC
300 Main Street
Cincinnati, OH 45202
(513) 621-2875

P
Periodontal Visions, Inc.
6507 Harrison Avenue
Cincinnati, OH 45247
(513) 598-9555

Proctorville Animal Clinic
6129 County Road 107
Proctorville, OH 45669
(740) 886-9424

R
Resale Detail Remodeling and Construction, LLC
3042 Lake Trail Lane
Bethel, OH 45106
(513) 404-3788

S
Serenity Hair Salon & Spa, Inc.
4456 Bridgetown Road
Cincinnati, OH 45211
(513) 598-1008

Siemer Jewelers
5673 Rapid Run Road
Cincinnati, OH 45238
(513) 922-0720

SkyHigh Pest Control
724 Millsdale Street
Cincinnati, OH 45216
(513) 907-4303

Snyder Heating & Air
7325 Thompson Road
Cincinnati, OH 45247
(513) 205-8875

Sporto Motoring Accessories, Inc.
9204 Village Green Drive
Cincinnati, OH 45242
PO Box 42238
Cincinnati, OH 45242
(513) 489-4800

Sullivan's Carpet Care
3142 Balsam Ridge Drive
Cincinnati, OH 45239
(513) 702-2499

T
The Service Pros
9206 Floral Avenue
Blue Ash, OH 45242
(513) 793-1900

ThinkPay
7611 Cheviot Road, Second Floor
Cincinnati, OH 45247
(513) 598-3300

ThinkWare, Inc.
7611 Cheviot Road, Second Floor
Cincinnati, OH 45247
(513) 598-3300

Time For Fun Sales & Service Co.
2902-2 West US Highway 22 & 3
Maineville, OH 45039
(513) 614-3587

ToandFrom Transportation Services LLC
260 Northland Blvd, Suite 220
Cincinnati, OH 45246
(513) 898-0681

W
Wolf Creations
3768 Stroschen Drive
Cincinnati, OH 45248
(513) 503-2751

Woodhull, LLC
5900 West Chester Road, Suite I
West Chester, OH 45069
(513) 860-0705

Don’t be a Scrooge … But Give Wisely.

12/16/2010

Posted on 12/16/2010 by Erika Lehman

As you deck the halls and trim the tree, you can bring joy to the world this holiday season by supporting local charities. While visions of sugarplums are dancing in your head, local charities are working tirelessly to meet basic needs. So, make your list and check it twice (with BBB ) to find out who’s been naughty and nice. BBB evaluates charities, to help you know if they’ve been good or bad; checking out charities will help you spend your money wisely, for goodness sake!

So have yourself a merry little Christmas by following these additional tips.

· To make sure it’s your stockings that are stuffed – and not your mailbox overflowing – consider making larger gifts to fewer charities to avoid being placed on multiple mailing lists.

· Don’t let the Grinch steal Christmas; asks charities for more details when they leave you wondering “Cindy Lou Who?”

· Finally, if your sleigh bells are starting to sound like jingle bells, make sure to verify the charity’s name and address.

'DEAR SANTA’ WEBSITES?

12/16/2010

Posted on 12/16/2010 by

More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to persuade St. Nick via email that they were not at all naughty in 2010. Before allowing children to share any personal information with a “Letter to Santa” Website, the Better Business Bureau Children’s Advertising Review Unit (CARU) recommends that adults carefully review such sites to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

“Even Santa is required to comply with CARU’s Online Privacy Protection guidelines and the federal Children’s Online Privacy Protection Act,” said Wayne J. Keeley, CARU’s director.

All websites directed to children – or websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

CARU offered the following ‘Dear Santa’ site review tips:

Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses – Santa already knows where all the children live.

Check Websites for unwelcome content. Some sites are geared toward adults and may contain language or advertising adults may not want children to see.

Since hyperlinks can allow children to move seamlessly from one site to another, investigate the hyperlinks to assure children don’t access inappropriate content.

For more information on how to keep your kids safe online, please visit www.CARU.org. Parents who are concerned about the safety of specific child-directed websites and advertising can file a complaint at http://www.caru.org/complaint/index.aspx

To schedule an interview with a BBB spokesperson, please contact Mike Dawson at 513-639-9134

World Reserve Monetary Exchange Offers Free $2 Bills

12/14/2010

Posted on 12/14/2010 by

The company behind the ad is World Reserve Monetary Exchange, Inc., of Canton, Ohio. “Cincinnati area zip codes turn up free cash for residents,” said the headline on the advertisement which ran today in the Cincinnati Enquirer. “Valuable uncut sheets of never circulated $2 bills are actually being given away free.”

Jocile Ehrlich, President and CEO of BBB, said the only way to get the $8 in so-called free money is to buy 12 additional $2 bills at a cost of nearly $160. “It may sound bizarre, but this company is banking on people willing to pay $160 cash in return for $32. If you’re looking for novelty items for investment purposes this is probably not the wisest choice.”

World Reserve Monetary Exchange and several affiliated businesses, including Universal Syndications, Inc., have advertised in newspapers and other publications nationwide, including Missouri and Illinois. The company is a division of Arthur Middleton Capital Holdings of Ohio and Miami Beach, Fla., according to the holding company’s website. The holding company also oversees companies that have sold controversial Heat Surge heaters, healthcare plans and “free” digital TV converter boxes.

More than 300 consumers have filed complaints against Universal Syndications/World Reserve Monetary Exchange with the BBB. Many of the complaints dealt with concerns over misleading ads, high-pressure sales tactics, an inability to get refunds

and difficulty getting the company to stop charging for additional products.

Since 2007, attorneys general in at least three states have taken action against the firm. Connecticut Attorney General Richard Blumenthal that year called on consumers to reject the company’s “phony discount offer” for sheets of $1 bills, as advertised in full-page newspaper ads. In May 2008, Massachusetts Attorney General Martha Coakley obtained an agreement from the company to stop running misleading coin and currency advertisements.

In July 2009, Pennsylvania Attorney General Tom Corbett reached an agreement calling for the company to stop misleading advertising and to refund money to consumers. Corbett said the company’s full-page newspaper ads offering millions of dollars in surplus cash were deceptive. “These advertisements led people to believe that they could claim cash that was ‘up for grabs,’ but that was not the case at all,” Corbett said.

The newspaper ad for the $2 bills says: “Cincinnati area residents who find their zip code on the distribution list will feel like they just won the lottery. That’s because for the next 48 hours, full uncut sheets of never-circulated $2 bills are being released . . . directly to Cincinnati area residents who beat the deadline.”

The ad quotes Jefferson Marshall, executive director of the private World Reserve. “Residents who want to get the free bills had better hurry and call now,” he said.

A company representative who spoke by phone to a BBB investigator posing as an interested consumer suggested that he purchase as many of the bills as possible. “I think it is a very good investment, and that’s why we are offering it,” she said. “Our lines have been really, really busy today with people making these purchases.”

The representative said that the only way to get the four free $2 bills was to purchase a set of 12 of the bills for $158.88, with shipping. She said she would process an order for five sets of the bills, never indicating the total cost of more than $700.

A woman in Brooklyn, N.Y., told the BBB that her 86-year-old father was victimized by the company this summer. She said he agreed to give his credit card number to a friend at his senior citizen center in order for her to buy some of the bills. Soon after receiving his order, the company sent him a second much larger shipment of the bills that he never ordered. The daughter said the company had begun charging monthly payments of more than $100 for the merchandise. She credited the BBB with helping her resolve the issue.

BBB suggests that consumers buying items offered as collectibles be extremely cautious. It offers the following tips when dealing with such advertised offers:

Read the entire ad carefully, looking for disclaimers and other information that indicates the offer may not be what it seems. Make sure you understand exactly what you are ordering and how much it will cost, including shipping.

Be wary of any offer that indicates the merchandise is a collectible and may increase in value. New items that are sold as collectibles often lose value.

Be cautious of any company that advertises free merchandise. Such offers usually arecontingent on purchasing other items.

Be cautious of any company that advertises a time limit when offering merchandise. That is often done to create a false sense of urgency for the consumer.

Contact the BBB for Reliability Reports by going to www.bbb.org or by calling 513-421-3015.

How to use layaway efficiently during the holidays

12/14/2010

Posted on 12/14/2010 by Trisha Sefakis

Layaway can be a great way to purchase gifts for the holidays. However, that can lead to a loss of money or the item. The Better Business Bureau encourages shoppers to obtain a copy of the contract and read it carefully. Ask if the product will be placed in a hold area; if there are specific dates for payments and what the refund policy is. Also, make the payments on a credit card so the charges can be disputed if the product is not delivered. A little homework on the front end will result in happier holidays on the back end.

BBB: How to Pick the Best Care for Fido and Fluffy over the Holidays!

12/10/2010

Posted on 12/10/2010 by

If you are traveling over the holidays, be sure to make plans early for Fido and Fluffy because top-notch boarding facilities book up fast for the holidays. Whether you choose an in-home pet sitter or a boarding kennel, the BBB has advice to help you pick the best care for your four-legged family members.

Pet Sitters - You pet may do better in the comfort of your home. The BBB offers these guidelines for hiring a pet sitter:

Recommendations - Ask friends, neighbors or your veterinarian if they can recommend a professional pet care giver.
Training - Services can vary widely. Interview prospective pet sitters to find out what services they will provide and whether they are trained to administer any necessary medications or emergency first aid.
Fees and services - Find out what their fee includes and their payment requirements. Some pet sitters are willing to do non-pet related chores, such as bringing in the mail, watering plants, turning lights on or off or even staying overnight.
References - Ask the pet sitter for personal references and call them to inquire about the quality of pet care they received.
Security - The pet sitter will have access to your home, so you should find out if they are bonded and if they have commercial liability insurance coverage. You may also want to check the N.C. Dept. of Corrections Offender Registry to see if your pet sitter has a criminal history.

Boarding - If you are boarding your pets at a kennel, the BBB has this advice:

Recommendations – Get recommendations from your veterinarian or check on the American Boarding Kennels Association’s Website at www.petcareservices.org.
Personal visit - Check the facility for cleanliness and safety of the kennel and cages.
Licensing - Ask if the kennel is properly licensed and does it meet specific animal to staff ratios as well as animal to square footage requirements required by some states
Staff - Note the friendliness of staff members and ask about their experience.
Vaccinations - Make sure the facility requires all pets to have proof of immunizations and ask about their procedures for flea and tick control.
Drop-off/pick-up policies - Facilities may not allow you to drop off or pick up your pet on weekend days which may extend the stay of your pet and increase the cost.
Regular updates – Find out how the facility will keep you updated. Many top-notch facilities offer live web cams so you can see your pet via their internet website.
Emergencies – Ask about procedures in case your pet has a medical emergency.

For more information, please visit www.bbb.org or call 513-421-3015.

BBB Advice: Travel Insurance Can Save You Money

12/10/2010

Posted on 12/10/2010 by

If you are traveling for the holidays, you should think about buying travel insurance. There are a myriad of circumstances that range from bad weather to illnesses or accidents that could cause you to miss your connection, cancel your trip, return home early or force you to seek emergency medical treatment while traveling. Travel insurance may provide the extra protection you need to keep you for losing money due to unforeseen travel problems.

Before you purchase coverage, check your homeowner’s or medical insurance policies to avoid paying for overlapping coverage. Expensive items such as your video camera, laptop computer or jewelry may be covered by your homeowner’s insurance should they be stolen while you are traveling. If the airline loses your checked luggage, it is required to reimburse you for your bags (up to a certain dollar amount). If you become sick or injured while traveling, your personal medical insurance may cover the cost of your medical bills.

Travel insurance may include these types of coverage:

Trip cancellation/interruption (TCI) – If your plans suddenly change and you have to cancel or end your trip early, TCI may cover your lost travel costs. However, it will only reimburse you for “named perils” which are specific reasons on the insurer’s acceptable list, such as injury, sickness or death in the family.
Emergency medical coverage and medical evacuation – If you are going on an adventure vacation or to an area that is far from modern medical facilities, it may be a good idea to buy this coverage. If adequate treatment is not available at a local hospital, you would be transferred to the nearest adequate medical facility. However, many policies will not medical expenses that arrive as a result of pre-existing medical conditions.

· Baggage Loss – Before packing, make a list of everything. If your bag is lost, stolen or damaged, you may be reimbursed for some contents, but probably not all.

If you are buying travel insurance, the BBB has the following advice:

Read the fine print. Know exactly what coverage you are getting or not getting. Travel insurance provides coverage for “named perils” which are specific conditions under which they will pay claims. Many common causes of travel delays such as bad weather, or mechanical problems may be excluded from coverage.
Pay with a credit card. A credit card may offer you additional buyer protections in case your travel insurance does not cover your specific losss.
Don’t buy overlapping coverage. Baggage-loss protection is only necessary if you have more than $2,500 of items in your bags.

For more information, please visit www.bbb.org or call 513-421-3015.

FDIC Quiz Tests Your Scam IQ

12/10/2010

Posted on 12/10/2010 by Leslie Kish

Leslie Kish | Vice President, Operations

The FDIC just released their fall consumer newsletter. The most recent issue of the newsletter has a lot of great tips on financial topics such as Estate Planning, Foreclosure Prevention, Guidance on Overdraft Protection and More. There’s also a quick 7 question quiz to test your consumer smarts. Check it out.

To subscribe to the FDIC consumer newsletter by email, visit www.fdic.gov/about/subscriptions/index.html

Five Mistakes to Avoid When Donating to a Charity

12/8/2010

Posted on 12/8/2010 by Jason McGlone

Every holiday, billions of dollars are donated to worthy causes and now more than ever charities need the support of donors to help those who are struggling. The BBB Wise Giving Alliance advises donors on how to avoid five common mistakes in order to ensure their dollar stretches the farthest in these tough economic times.

“With so many people out of work and in need, it’s extremely important that you maximize the impact your holiday donations have by avoiding the common giving mistakes,” said Jocile Ehrlich, President and CEO of the BBB Wise Giving Alliance. “A smart donor takes a hard look at a charity’s programs, finances and governance before making a donation. While almost all charities have the best of intentions, not all organizations meet standards or are well managed.”

BBB Wise Giving Alliance recommends that donors avoid these common mistakes when donating to a charity this holiday:

1. Assuming that only “low overhead” matters. How much money a charity spends on the actual cause—as compared to how much goes toward fundraising and administration—is an important factor, but it’s not the whole story. A charity with impressive financial ratios could have other significant problems such as insufficient transparency, inadequate board activity and inaccurate appeals.

2. Failing to do your research before you give. Even good friends may not have fully researched the charities they endorse, so don’t just take their word for it. Expertise is available. Go to www.bbb.org/charity to verify that a charity meets the BBB’s 20 Standards for Charity Accountability.

3. Succumbing to high-pressure, emotional pitches. Giving on the spot is never necessary, no matter how hard a telemarketer or door-to-door solicitor pushes it. The charity that needs your money today will welcome it just as much tomorrow.

4. Assuming that the charity wants any item you donate. Worn out, unusable or unwanted donated goods cost charities millions of dollars each year because the organization has to bear the cost of tossing the unacceptable donation. If you have questions about an item’s acceptability, call the charity and ask.

5. Mistaking a charity’s identity. With so many charities in existence, their names can blur in a donor’s mind and similar-sounding organizations are common. Be sure you know which charity you’re supporting and that it’s not a case of mistaken identity.

Donors can check out BBB Wise Giving Alliance evaluations on national soliciting charities for free at www.bbb.org/charity.

For more information or to schedule and interview with a spokesperson on charitable giving, contact Mike Dawson at 513-639-9134 or mdawson@cincinnati.bbb.org

About the BBB Wise Giving Alliance

The BBB Wise Giving Alliance produces reports on over 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving Reports^TM– are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

What Shady Locksmiths Don’t Want You to Know

12/6/2010

Posted on 12/6/2010 by Janice Clemente

Chances are we will need, at one time or another, the services of a locksmith. But don’t let your desperation at the moment get the best of you. Choose your locksmith carefully so you don’t get scammed.

To save you time, you can use the BBB’s website to check to get a list of BBB Accredited locksmiths. BBB tracks consumer complaints on locksmiths in our local service area. Make sure the locksmith you use is a BBB Accredited Business or at the very least has a good rating with BBB to ensure you get a business you can trust. You can check a listing of BBB accredited locksmiths here.

But if you choose to go it alone, be aware like with any industry, there are some companies that don’t play by the rules.

Who are you?

Some locksmiths advertising in the phonebook aren’t who they say they are. If a company answers the phone with a generic phrase like “locksmith services,” rather than a company-specific name, be wary. Ask for the legal name of the business. If the person refuses, call another locksmith. Some locksmiths place several similar ads with false or nonexistent local addresses, to give the impression that each ad represents a different entity or the company is locally owned and operated. However, if you call the local and toll-free numbers provided in these ads, the calls are in fact routed to the company's call center which is often times, not located in the area but actually in another state.

Where are you?

Ask for the company’s address. You can verify addresses through other websites that allow you to match phone numbers with street addresses, like 411.com. If you call a locksmith who doesn’t list an address, ask why. If the answer is that it's a “mobile” business, you should understand they have no storefront. If something goes wrong, you will likely have to deal with the company over the phone to get the situation resolved, as opposed to resolving it in person at their place of business.

How much will this cost me?

They may tell you one price over the phone just to get your business, but once the locksmith arrives, the price is inflated with numerous additional charges. In some cases the final bill can be in excess of several hundred dollars. To prevent this, get an estimate for all work and replacement parts from the locksmith before work begins. Most legitimate locksmiths will give you an estimate on the phone for the total cost of the work. Ask about additional fees before you agree to have the locksmith perform the work. Companies may charge extra for responding to a call in the middle of the night. Ask if there is a charge for mileage, or a minimum fee for a service call. If the price is different from the estimate you got on the telephone, do not allow the work to be done and never sign a blank form authorizing work.

Can I see some identification?

When the locksmith arrives, don’t be afraid to ask for identification, including a business card. In addition to a business card, check to see if the invoice includes the company’s name, and whether the locksmith’s vehicle has a name that matches the business card, invoice, and/or bill.

Are you insured?

Also, it is important to find out if the locksmith is insured. If your property is damaged during a repair, or if faulty work leads to loss or damage, it’s important for the locksmith to have insurance to cover your losses. Be cautious if you’re told right away that the lock has to be drilled and replaced. An experienced legitimate locksmith has invested in the tools and education to provide quality service, and can unlock almost any door.

Remember, you don’t want to give access to the locks for your home, car, or place of business to just anyone. So take the time to shop around. Use the BBB’s resources to connect you with a locksmith worthy of your trust.

Generate Goodwill and Help a Charity through Cause-Related Marketing

12/6/2010

Posted on 12/6/2010 by
Cause-related marketing is a great option for small business owners to help a charity and generate goodwill for the company. Whether it’s donating proceeds from sales to a charity or encouraging customers to give, BBB Wise Giving Alliance recommends that small business owners consider the benefits of partnering with a worthy cause.

According to The Chronicle of Philanthropy, at the close of 2008, 60 percent of small business owners reported that the tough economy had affected their charitable giving. When times are tight, businesses may need to get creative about helping charities. Cause-related marketing is a great option for businesses that can’t necessarily write a big check.

The recent breast cancer awareness month is a great example of the impact of cause-related marketing. Bright pink ribbons were everywhere in October as businesses donated proceeds from regular sales or for limited edition pink items.

Embedded giving is another way that businesses can partner with charities to raise money. Embedded giving is common at stores where customers are asked if they want to donate to a charity at check out and then the desired amount is tacked onto their total.

“Times are tough for small business owners, but that doesn’t mean they can’t be good corporate citizens and help out a worthy cause this holiday,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “By partnering with a charity, small businesses can help raise awareness as well as money for the cause and generate goodwill for the company in the process.”

Before soliciting donations on behalf of a charity, or engaging in any cause related marketing efforts, the BBB Wise Giving Alliances offers the following advice to small business owners:

Do your research
When choosing a charity to donate to, always research the organization thoroughly. Visit their website and look for details on the charity’s programs, finances, and governance. Always check the charity out with the BBB Wise Giving Alliance to see if they meet the 20 Standards for Charity Accountability.

Get formal permission from the charity
Charities are trademarked entities, so before you place their logo all over your marketing materials, contact the charity to get permission to use their name and likeness. They might also have ideas for cross promotion or additional ways you can help out.

Include the right disclosures
At some point prior to the purchase, the customer should be presented with the following information:

How much from each purchase will go toward the charity.
The time frame for the campaign.
If applicable, the minimum or maximum amount that the charity will receive.

For more advice on being a savvy donor and to review BBB Wise Giving Alliance evaluations on more than 1200 national charities, visit www.bbb.org/charity.

Local Police Issue Tips for Safer Holiday Shopping

11/24/2010

Posted on 11/24/2010 by Leslie Kish

Leslie Kish | Vice President, Operations

Many of us will be out there shopping on Black Friday and Cyber Monday but local police remind us that criminals will be out too. The Cincinnati Police Department and National Crime Prevention Council have issued 10 tips for safer shopping while you snatch up those bargains.

1. Do not buy more than you can carry. Plan ahead by taking a friend with you or ask a store employee to help you carry your packages to the car.

2. Shop online with companies you know and trust. Check a company’s background if you are not familiar with it. Remember, if it sounds too good to be true, it usually is.

3. Save all receipts. Print and save all confirmations from your online purchases. Start a file folder to keep all receipts together and to help you verify credit card or bank statements as they come in.

4. Consider alternate options to pay for your merchandise, such as onetime or multiuse disposable credit cards or money orders, at online stores and auction sites.

5. Wait until asked before taking out your credit card or checkbook. An enterprising thief would love to shoulder surf to get your account information.

6. Deter pickpockets. Carry your purse close to your body or your wallet inside a coat or front trouser pocket.

7. Have your keys in hand when approaching your vehicle. Check the back seat and around the car before getting in.

8. Do not leave packages visible in your car windows. Lock them in the trunk or, if possible, take them directly home.

9. Tell a security guard or store employee if you see an unattended bag or package. The same applies if you are using mass transit.

10. If you are shopping with children, make a plan in case you get separated. Select a central meeting place and make sure they know they can ask mall personnel or store security employees if they need help.

New Job Scam Asks You to Pay to Attend Interview in California, Never Calls You Back

11/23/2010

Posted on 11/23/2010 by Jason McGlone

BBB has received reports and has noted several advertisements appearing in the Cincinnati Enquirer and at various job hunter websites like Careerbuilder and Monster.com offering what appear to be solid, respectable jobs in various parts of the country. The ads themselves seem to be normal offers, but that’s pretty much where the respectability ends.

Of the several different offers we’ve come across, which include casino and restaurant management positions, each has had a feature we consider to be a little odd, and what could prove to be a scam—once the job seeker gets to a certain point in the interview process, he or she is asked to provide half the cost of a plane ticket to San Diego, and that that money should be sent by wire transfer.

BBB always cautions consumers against sending money by wire transfer, primarily because it’s nearly impossible to trace where the money gets retrieved, and once it’s been picked up, it’s just gone. Wire transfer is a very common method scammers use to bilk money from unsuspecting consumers.

Beyond that, BBB also warns job seekers to be cautious when on the hunt for a new job—if a prospective employer asks you for money in order to work with them, or to conduct an interview, that’s a serious red flag that usually indicates you’re dealing with a scam of some type. As a result, BBB recommends that consumers and job seekers alike avoid these fraudulent schemes.

If you’ve come across a job offer like this or have any information on similar schemes, please contact us at (513) 421-3015.

BBB Welcomes November Accredited Businesses

11/19/2010

Posted on 11/19/2010 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

A & B Asphalt Maintenance, LLC
7976 Strawberry Hill Lane
Maineville, OH 45039
(513) 504-6702

Affordable Solar Energy LLC
6999 Oakland Road
Loveland, OH 45140
(513) 683-1912

Affordable Upgrades, Inc.
315 East 15th Street, Building A
Covington, KY 41011
(859) 292-0603

Ameriprise Financial
5822 Glenway Avenue, Suite A
Cincinnati, OH 45238
(513) 347-8010

Anglin Trucking
417 North First Street
Trenton, OH 45067
(513) 237-3898

AnyWeather Roofing
8333 Alexandria Pike, Suite 204
Alexandria, KY 41001
(859) 908-0387

Art Evans & Sons Painting Contractors
3701 Riggs Road
Oxford, OH 45056
(513) 523-6425

Attic Workx, LLC
1969 Section Road, Apt 121
Cincinnati, OH 45237
(513) 692-1186

Audio Sensations
8461 Cincinnati Columbus Road
West Chester, OH 45069
(513) 777-4150

B

B & B Mechanical Services, Inc.
2861 Sidney Avenue
Cincinnati, OH 45225
(513) 353-3370

BB Cleaning Services
5066 Huntington Circle
West Chester, OH 45069
PO Box 40204
Cincinnati, OH 45240
(513) 771-4300

Buddy's Flooring America
1050 Skillman Drive
Cincinnati, OH 45215
11755 Mosteller Road
Sharonville, OH 45241
5373 Ridge Avenue
Cincinnati, OH 45213
5579 Glenway Avenue
Cincinnati, OH 45238
7112 Turfway Road
Florence, KY 41042
7721 Cox Lane
West Chester, OH 45069
9116 Union Cemetery Road
Cincinnati, OH 45249
(513) 771-2345

C

C & S Solutions, Inc.
5319 Delhi Avenue
Cincinnati, OH 45238
(513) 922-7444

Clermont County Equipment, Inc.
1100 State Route 131
Milford, OH 45150
(513) 831-7592

Concrete Concepts of the Tri State, Inc.
411 Highland Avenue
Fort Thomas, KY 41075
(859) 816-2679

Cool Critters Outreach, LLC
1030 Harbury Drive
Cincinnati, OH 45224
(513) 720-2442

Cooper Financial, LLC
8070 Beechmont Avenue, Building A, Suite 11
Cincinnati, OH 45255
(513) 474-1999

Corporate Car Management
1145 Measley Ridge Road
Peebles, OH 45660
(937) 587-3743

Countrymark Log Homes
7543 Cedarwood Ridge Rd
Vevay, IN 47043
(812) 427-2163

Custom Built Crates, Inc.
1700 Victory Park Drive
Milford, OH 45150
(513) 248-4422

D

Dalbert, Woodruff & Isenogle Funeral Home, Inc.
2880 Boudinot Avenue
Cincinnati, OH 45238
(513) 922-1010

E

Evans Dozing
32644 State Route 41
Peebles, OH 45660
(937) 587-2721

Evans Mini Storage
2335 Measley Ridge Road
Peebles, OH 45660
(937) 587-2199

Extreme Resolutions
8979 Cincinnati Columbus Road, Suite A
West Chester, OH 45069
(513) 759-5326

F

Fairfield Estate Jewelry
1240 Nilles Road
Fairfield, OH 45014
(513) 858-1488

Fastech Alarms & Telecommunications Services, LLC
5447 Redoak Drive
Cincinnati, OH 45238
(513) 481-5555

Fender's Wrecker Service, Inc.
927 Park Avenue
Newport, KY 41071
(859) 261-2600

Four Seasons Travel
10185 Beech Lane
Cincinnati, OH 45215
(513) 761-8022

G

Griffin Enterprises
548 Enright Avenue
Cincinnati, OH 45205
(513) 240-7081

Gullett Sanitation Services, Inc.
118 South Union Street
Bethel, OH 45106
(513) 734-2227

H

Hair and Nailz To The Point Salon
4939 Paddock Road
Cincinnati, OH 45237
(513) 546-9545

Harris & Company
2552 Hollenshade Avenue
Cincinnati, OH 45211
(513) 206-3075

HMI Construction
5259 Sidney Road
Cincinnati, OH 45238
(513) 922-8111

Honey Tree Stables, LLC
3150 Lanes Mill Road
Oxford, OH 45056
(513) 868-0783

Howland Asphalt Sealcoating
9806 Grimsley Road
Leesburg, OH 45135
(513) 703-2265

Huntington Copper Moody Maguire
4770 Duke Drive, Suite 390
Mason, OH 45040
(513) 759-2400

I

Industrial Products Group, LLC
317 Christmas Ridge Road
Berea, KY 40403
75 Township Road 1079
Chesapeake, OH 45619
(740) 894-8132

Inspection Plus LTD
5381 Autumnwood Drive
Cincinnati, OH 45242
(513) 793-3552

K

Keim Family Market
2621 Burnt Cabin Road
Seaman, OH 45679
(937) 386-9995

Kem Klean, Inc.
1571 Frogtown Road
Union, KY 41091
(859) 384-2100

Kentucky Tire
302 East 12th Street
Covington, KY 41011
(859) 291-8999

King Electric & Maintenance
2227 McGregor Place
Cincinnati, OH 45219
(513) 381-6917

L

Leap Beyond Therapy, LLC
6915 Beechmont Avenue
Cincinnati, OH 45230
(513) 232-5327

Liberty Flooring, LLC
8264 Princeton-Glendale Road
West Chester, OH 45069
(513) 860-1569

Luxury Imports Auto Sales
7456 Burlington Pike
Florence, KY 41042
(859) 746-2277

M

Miller's Auto Hospital, LLC
6547 State Route 247
Hillsboro, OH 45133
(937) 393-1592

Moore's Hair Razors, LLC
7051 Colerain Avenue
Cincinnati, OH 45239
(513) 923-3315

N

Newby Orthodontics
5050 Oaklawn Drive
Cincinnati, OH 45227
5055 North Main Street
Dayton, OH 45415
(513) 531-7566

Nicoloff Cabinet Works
107 Circle Drive
Harrison, OH 45030
(513) 289-7807

NSD Fire
6594 Montevista Drive
Cincinnati, OH 45224
(513) 542-2011

P

Parent Care Solutions
7843 Laurel Drive
Cincinnati, OH 45243
(513) 432-6468

Paul Man Around the House, Inc.
1017 Fisk Avenue
Cincinnati, OH 45205
(513) 362-0312

Perry A. Dantzler Contracting Co.
1271 Rossmore Avenue
Cincinnati, OH 45237
(513) 652-6188

Pesce Marble & Granite LLC
885 Ohio Pike, Suite B
Cincinnati, OH 45245
(513) 947-0073

Planet Fitness
544 Patterson Boulevard
Fairfield, OH 45014
(513) 889-4004

Proteus Internet Sales & Marketing, LLC
538 East Loveland Avenue
Loveland, OH 45140
(513) 304-8845

R

Reliable Brake Service
3417 Cedartree Lane
Erlanger, KY 41018
(859) 991-1426

RIC Protection Systems LLC
9350 Jericho Drive
Cincinnati, OH 45231
(513) 617-6163

Rick the Window Guy
5405 Carthage Avenue
Norwood, OH 45212
(513) 485-7480

Robert G. Collins, Jr. Stained Glass Studio
2760 Hamilton Cleves Road
Hamilton, OH 45013
(513) 863-1226

Rosemount City Insurance Agency, Inc.
4746 Old Scioto Trail
Portsmouth, OH 45662
(740) 354-6216

S

Sawyer Services LLC
7162 Reading Road, Suite 810
Cincinnati, OH 45237
(513) 731-1049

Schmidt Progressive, LLC
360 Harmon Avenue
Lebanon, OH 45036
(513) 934-2600

Schumacher & Co., Inc.
920 Lila Avenue
Milford, OH 45150
(513) 831-5000

ServiceMaster By Hill, Inc.
9337 Seward Road, Suite C
Fairfield, OH 45014
(513) 942-4141

SERVPRO of East Central Cincinnati
1850 Summit Road
Cincinnati, OH 45237
(513) 561-7378

Smartwire
789 Kenray Court
Cincinnati, OH 45215
(513) 948-8489

Soldo USA LLC
10176 International Blvd
Cincinnati, OH 45246
(513) 860-5465

Stratus Helicopters, LLC
4630 Airport Road, Suite 101
Cincinnati, OH 45226
(513) 533-4354

T

The David Leopold Network
1233 Avon Drive
Cincinnati, OH 45229
(513) 751-0138

The Mole Trap
1103 Ten Mile Road
New Richmond, OH 45157
(513) 553-6344

The Mustard Seed Montessori, Inc.
9606 State Route 247
West Union, OH 45693
(937) 544-9714

The Parts Barn, Inc.
761 2nd Avenue
Gallipolis, OH 45631
(740) 441-1422

Tri-State Aquatics, LLC
4455 Hackberry Court
Burlington, KY 41005
(859) 609-9513

TriStar Indemnity LLC
6951 Cintas Boulevard
Mason, OH 45040
(888) 801-8888

BBB Welcomes July Accredited Businesses and Charities

11/17/2010

Posted on 11/17/2010 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A
A Plus Heating Cooling Refrigeration
7121 Shurz Road
Middletown, OH 45042
(513) 423-4300

A Final Touch
16 Flamingo Court
Amelia, OH 45102
(513) 295-6327

A Taxi, Inc.
4110 Clifton Avenue
Cincinnati, OH 45220
(513) 984-8484

Affordable Homes Inc.
6747 Gallia Pike
Franklin Furnace, OH 45629
(740) 574-4405

Alcon, Inc.
6522 Snider Rd
Loveland, OH 45140
(513) 722-1037

American Service Pro LLC
73 S. South Street
Wilmington, OH 45177
(937) 382-3801

Anneken, Huey & Moser, PLLC
20 North Grand Avenue Suite 5
Fort Thomas, KY 41075
909 Wright's Summit
Fort Wright, KY 41011
(859) 331-5622

Apremiere Chimney Sweeps
135 Harrison Avenue
Harrison, OH 45030
(513) 367-0481

Aquamarine Pool Co., Inc.
5739 Cleathill Drive
Loveland, OH 45140
(513) 831-8832

Artis Home Repairs and Inspection
6323 Lakewood Drive
Indian Springs, OH 45011
(513) 460-3133

Authentic Coatings, LLC
2316 Roosevelt Avenue
Cincinnati, OH 45231
(513) 485-5006

B
B & B Saw and Tool, LLC
115 Front Street
Mt. Orab, OH 45154
(937) 444-6600

B & E Shoe Services
427 2nd Avenue
Gallipolis, OH 45631
(740) 446-4172

Beads N Things Inc.
4530 Eastgate Blvd., Suite A 460
Cincinnati, OH 45245
(513) 753-7870

Beck Architecture, Inc.
550 Liberty Hill
Cincinnati, OH 45202
(513) 651-7263

Bob's Service Center
229 State Street
Jackson, OH 45640
(740) 286-2022

Boggs Pest Control, Inc.
110 Boggs Road
Oak Hills, OH
(740) 682-6249

Bowman Financial
6744 Dick Flynn Boulevard
Goshen, OH 45122
(513) 575-3930

Brenda Noble & Associates
1300 Cincinnati Dayton Road Suite F
Middletown, OH 45044
(513) 727-9614

Broadview Security
9792 Windisch Road
West Chester, OH 45069
(513) 779-5582

Buckeye Roofing and Restoration, LLC
9435 Waterstone Blvd
Cincinnati, OH 45249
(513) 729-7520

Builtmore Home Improvement, LLC
9973 Princeton Glendale Road
Cincinnati, OH 45246
(513) 942-0123

C
Caldwell's Auto Care & Towing
613 W Main Street
Blanchester, OH 45107
(937) 783-2930

Christopher Shelberg Painting
343 S 11th Street
Hamilton, OH 45011
(513) 737-7811

Cincinnati Dermatology Center
7730 Montgomery Road, Suite 200
Cincinnati, OH 45236
(513) 984-4800

Cincinnati Pool & Patio
2969 Glendale Milford Road
Cincinnati, OH 45241
(513) 563-2930

Clean Water Systems
5766 Muddy Creek
Cincinnati, OH 45233
(859) 647-2433

Clearly Acrylic, Inc.
155 Sackett Drive
Monroe, OH 45050
(513) 360-4163

Clermont County Roofing
1378 Finch Lane
Milford, OH 45150
(513) 722-0935

Coastal Equities, Inc.
602 Main Street Suite 801
Cincinnati, OH 45202(513) 619-1100

D
Dengler Tractor, Inc.
6687 Shurz Rd
Middletown, OH 45042
(513) 423-4000

E
Evan Ramsey Floral & Gifts
6009 Hamilton Avenue
Cincinnati, OH 45224
(513) 542-7871

Evans & Creach, LLP
621 East Mehring Way
Cincinnati, OH 45202
(513) 421-3476

F
Fantasy in Frosting, Inc.
836 Monmouth Street
Newport, KY 41071
(859) 431-0356

Fermann & Company CPAs
4449 Mount Carmel Tobasco Road
Cincinnati, OH 45244
(513) 528-1324

Ferrari's Little Italy & Bakery, Inc.
7677 Goff Terrace
Cincinnati, OH 45243
(513) 272-2220

Fields Welding Supply
1882 State Route 243
Ironton, OH 45638
(740) 533-3502

Fixzall Home Renovations, LLC
17 Division Street
Erlanger, KY 41018
(859) 814-4929

Fraley's Specialties
117 N Broadway St
Blanchester, OH 45107
(937) 783-4430

G
Gary Huber Appliance Repair
25880 Sawdon Ridge Road
Guilford, IN 47022
(812) 637-5110

Giacci Remodeling Co., Inc.
582 Glenway Drive
Hamilton, OH 45013
(513) 373-0173

Glenwood Energy of Oxford, Inc.
5181 College Corner Pike
Oxford, OH 45056
(513) 523-2555

Gregory P. Davis, DDS
4834 Socialville Foster Road Suite 30C
Mason, OH 45040
(513) 459-1377

Growth Spirit Counseling Center
4030 Mount Carmel Tobasco Road Suite 326
Cincinnati, OH 45255
600 McGuffey Avenue
Oxford, OH 45056
(513) 528-3838

H
Hardwood Lumber & More, LTD
848 Molly Lane
Milford, OH 45150
(513) 553-5800

Holton Food Mart, LLC
6472 W Versailles Street
Holton, IN 47023
(812) 689-5730

Holzer Clinic Inc.
1051 4th Avenue
Gallipolis, OH 45631
(740) 446-5411
2619 State Route 850
Bidwell, OH 45614
280 Pattonsville Road
Jackson, OH 45640
68 Sycamore Street
Gallipolis, OH 45631
88 E Memorial Drive
Pomeroy, OH 45769
90 Jackson Pike
Gallipolis, OH 45631
96 Township Road 369, Suite 101
Proctorville, OH 45669
98 State Street
Proctorville, OH 45669
(740) 446-5411

Home Pride Metro
925 Surrey Trails
Cincinnati, OH 45245
(513) 752-8515

Hoosier Gutter Man, LLC
895 Rudolph Way
Greendale, IN 47025
(812) 537-5136

I
Integrated Protection Services, Inc.
5303 Lester Road
Cincinnati, OH 45213
(513) 631-5505

International Collection Bureau Inc.
4800 Meadowfield Court
Batavia, OH 45103
(513) 753-9999

J
J & M Groundworks, Inc.
6364 Olive Branch Road
Oregonia, OH 45044
(513) 934-3322

J. Beischel Electric, Inc.
10175 International Blvd.
Cincinnati, OH 45246
(513) 860-3290

JDC Excavating, LLC
3302 California Crossroads
California, KY 41007
(859) 635-2735

Jersey Mike's
12133 Royal Point Drive
Cincinnati, OH 45249
(513) 697-990

John Anglin & Associates Auctioneers
6579 Hamilton Middletown Road
Middletown, OH 45044
(513) 422-8555

Just Scent, LLC
110 Water Street
Jackson, OH 45640
(740) 286-3600

K
Kaiser Siding & Roofing, LLC
10921 Reed Hartman Hwy
Blue Ash, OH 45242
71 Cavalier Blvd
Florence, KY 41042
(859) 525-6300

KJM Carpet & Upholstery Care
11785 Neuss Avenue
Cincinnati, OH 45246
(513) 257-4876

Koebbe Auto Tech
6791 Lakota Lane
Liberty Township, OH 45044
(513) 755-8668

Kreller Group, Inc.
817 Main Street
Cincinnati, OH 45202
(513) 723-8900

L
Larry's Painting & Services, Inc.
2046 Addison Pike
Gallipolis, OH 45631
(740) 367-7444

Legalex, Inc.
120 E Fourth Street
Cincinnati, OH 45202
(513) 241-3100

Lerner, Sampson & Rothfuss
120 E Fourth Street
Cincinnati, OH 45202
(513) 241-3100

Lobsta Bakes of Maine
3533 Church Street
Newtown, OH 45244
(513) 561-0444

LSR Processing, LLC
120 E Fourth Street
Cincinnati, OH 45202
(513) 241-3100

M
Mary's Pet Grooming
24201 State Line Road
Lawrenceburg, IN 47025
(812) 637-2405

MASSMEDIUMS, LLC
3251 Riverside Drive
Cincinnati, OH 45226
(513) 518-5705

Michael F. Schloss Company, Inc.
5812 Roe Street
Cincinnati, OH 45208
(513) 271-6666

More Than Meets the Eye, LTD
916 Palamino Drive
Villa Hills, KY 41017
(859) 801-4000

Mt. Airy Tree and Landscape
1004 West Galbraith Road
Cincinnati, OH 45231
(513) 531-7300

Mullins Remodeling
4458 Eastern Avenue
Cincinnati, OH 45226
(513) 377-8300

N
North Bend Auto Care, LLC
5381 N Bend Road
Cincinnati, OH 45247
(513) 481-0500

Northwest Flooring
1806 W Galbraith Road
Cincinnati, OH 45239
(513) 729-5100

Novachem Laboratories, Inc.
5172 College Corner Pike
Oxford, OH 45056
(513) 523-3605

O
Ohio Quick Care, LLC
305 Upper River Road
Galliopolis, OH 45631
731 E Main Street
Jackson, OH 45640
(740) 446-7026

P
PALS
6161 Berkinshaw Drive
Cincinnati, OH 45230
(513) 231-3633

Pamper Yourself Cleaning Service
2288 Snyder Road
Batavia, OH 45103
(513) 797-5880

Paul T. Sapp Siding
2699 Lenox Avenue
Hamilton, OH 45015
(513) 896-1176

Paw Companions
5777 Chesterfield Court
Fairfield, OH 45014
(513) 829-0770

Pennington Painting Plus
2209 Cathedral Avenue
Cincinnati, OH 45212
(513) 470-2941

PLS Protective Services, LLC
3033 West Galbraith
Cincinnati OH 45239
(513) 521-3581

Plush Pups Grooming
2901 Gallia Street
Portsmouth, OH 45662
(740) 353-5424

Price Wood Products, Inc.
6507 Snider Road
Loveland, OH 45140
(513) 722-1200

R
R. Miller Cleaning, Inc.
1519 Fay Road
Loveland, OH 45140
(513) 382-6942

Rath Construction
6594 Lower Tug Fork Road
Alexandria, KY 41001
(859) 757-5132

Reality Trucking, LLC
3526 Cotton Run Road
Hamilton, OH 45011
(513) 896-1551

Rescue Remodeling and Repairs LTD
7318 South State Route 123
Blanchester, OH 45107
(513) 383-0826

Richard D. Saxby III D.P.M., Inc.
2004 S Fourth Street
Ironton, OH 45638
(740) 532-3611

Richardson & Associates LLC
427 Appaloosa Court
Cincinnati, OH 45231
(513) 772-8348

River's Bend Urgent Care
87 E US Highway 22 & 3 Suite 800
Maineville, OH 45039
(513) 677-9117

Roof Tek
6147 Sheed Road
Cincinnati, OH 45247
(513) 520-8380

S
Schooley Mitchell Telecom Consultants of Cincinnati
1530 Sycamore Ridge Drive
Maineville, OH 45039
(513) 683-8881

Sharonville Chamber of Commerce
4015 Executive Park Drive
Sharonville, OH 45241
(513) 554-1522

Spa 4 Paws Grooming Salon, LLC
8075 Connector Drive
Florence, KY 41042
(859) 525-7297

Spice of Life Catering & Events
823 Marion Pike
Ironton, OH 45638
(740) 533-0773

Stan Young Drainage, LLC
302 Thornton Street
Newport, KY 41071
(859) 816-5613

Strategic Reflections, Inc.
4424 Aicholtz Road
Cincinnati, OH 45245
(513) 685-1969

STS Contractors & Commerical Maintenance, LLC
125 Lookout Farm Drive
Ft Mitchell, KY 41017
(513) 891-8463

T
The Clifton House
500 Terrace Avenue
Cincinnati, OH 45220
(513) 221-7600

The Hillsborough Printery, Inc.
1115 Northview Dr
Hillsboro, OH 45133
(937) 393-3544

Thompson Collision Center, Inc.
4418 Mount Carmel Tobasco Road
Cincinnati, OH 45244
(513) 528-0835

Total Performance Racing, Inc.
2700 Symmes Road
Fairfield, OH 45014
(513) 942-7020

Touch of Class Catering
625 5th Street
Waverly, OH 45690
(740) 947-2805

U
University of Phoenix
500 Meijer Drive, Suite 100
Florence, KY 41042
9050 Centre Pointe Drive, Suite 250
West Chester, OH 45069
(513) 772-9600

V
Vi-Cas Manufacturing Company Inc.
8407 Monroe Avenue
Cincinnati, OH 45236
(513) 791-7741

Vickers Wrecking, Inc.
1650 Wayne Madison Road
Trenton, OH 45067
(513) 894-7034

Visiting Angels
442 W Loveland Avenue
Loveland, OH 45140
(513) 677-5777

W
Whitey's Auto Body Shop
7152 Hamlin Street
Friendship, IN 47021
(812) 667-5500

World Environmental Technologies, LTD
4432 Cody Brook Drive
Liberty Township, OH 45011
(513) 381-6653

Y
Yeah, We Do That
3023 Ash Ct
Mason, OH 45040
(513) 544-7069

Your New Puppy, LLC
7326 Yankee Road
Liberty Township, OH 45044
(513) 755-7576

Be Wary of BBB Imposters

11/16/2010

Posted on 11/16/2010 by Janice Clemente

Recently the BBB learned of a woman in our local area that received quite a surprising phone call. A man with a heavy foreign accent told her that she had just won $2.8 million dollars. Her luck didn’t stop there. She was also told she won a luxury car as well. The check for $2.8 million and the car were to be delivered to her as soon as possible, if she would just answer a few questions.

The man on the line asked her if she was married, if she had children, if she owned her own house and if she had a MasterCard or Visa. As the questions began to get more and more personal, her suspicions grew. She asked him what company was it that he calling from and in response he told her the Better Business Bureau.

If you receive any calls from someone claiming to be from the BBB and offering to send you lottery or prize winnings, this is a scam. BBB wants you to know that we do not distribute lottery or prize winnings, ever. Scammers will often say they are with trusted organizations like the BBB, the FBI or the IRS, in an attempt to throw suspicions off their illicit schemes. In this particular case, the phone call was made from a Jamaican phone line (876) 280-2030. No BBB offices are located in Jamaica.

In what is called a Foreign Lottery Scam, customers are told that in order to receive the prizes they would have to pay the delivery costs to a third party carrier. Victims would be asked to wire the money for the cost of delivery via Western Union, often to persons out of the country. Despite the promises, the prize winnings never come. A few days later, victims come to find that the phone numbers are disconnected and any hope in getting their money back is lost. Often these scammers move on, simply closing the phone line and setting up a new one to start the scam all over again.

If you are a victim who fell for the scam, let us know so that we can warn others. BBB urges you also to notify your local law enforcement and report the incident to your state’s Consumer Protection agency. BBB warns everyone never to wire money to strangers, no matter how convincing the story. Wired money is virtually untraceable and offers you no recourse if things go wrong.

Five Tips for Staying Safe on the Roads over the Holidays

11/15/2010

Posted on 11/15/2010 by

The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather all the way to Grandma’s house. Staying safe should be a top priority for all travelers so the Better Business Bureau recommends taking a few precautions when hitting the road this holiday.

Every year, holiday travelers take to the skies and hit the rails, but most spill onto the highways. Last year, AAA estimated that 87.7 million Americans traveled more than 50 miles over the holidays—85 percent of which drove.

“Because of weather conditions and increased traffic, staying safe on the roads over the holidays takes a few additional precautions,” said Jocile Ehrlich BBB President “Before loading up the family, make sure the car is in good shape and you’re prepared for bad weather. While you’re driving, put down your cell phone or GPS and focus on the road ahead.”

The BBB recommends taking the following steps for safe driving this holiday season:

Create a car safety kit – Holiday driving often includes the threat of dangerous winter weather. Snow and ice lead to accidents, car troubles, long delays and road closures. You can prepare for bad weather by creating your own safety kit. Basics for the kit include a blanket, flashlight with extra batteries, radio, first aid kit, jumper cables, non-perishable foods like granola bars and nuts, bottled water, an ice scraper and warm gloves.

Take the car in for a checkup – Breaking down on the side of the road can definitely put a damper on the holiday spirit. If your car is due for a check up, take it in before making that long haul. At the very least, check the car’s fluid levels, wipers and tire pressure. Check the condition of your tires and, if you plan on driving through serious winter weather, consider getting snow tires.

Take the Better Business Bureau with you – When you’re away from home or in the midst of an emergency, it’s hard to know which businesses—such as tow trucks and locksmiths—you can trust. The good news is you can now rely on BBB’s mobile optimized website for finding businesses you can trust when you’re away from your computer.

Start early and slow down – The best way to fight holiday traffic is to give yourself some extra time to make the trip, and don’t speed. Speeding leads to accidents which increase traffic even more. Also, if you’re caught speeding by law enforcement, that adds travel time and puts a dent in your holiday spending.

Drop the distractions – According to the National Safety Council, 28 percent of accidents happen when people are talking on their cell phone or sending text messages. When you’re behind the wheel, don’t text and drive, use a hands free headset when talking on the phone and get someone else to fumble with the GPS.

For more advice on staying safe over the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday/

Top Ten Cyber Monday Tips for Staying Safe When Shopping Online

11/15/2010

Posted on 11/15/2010 by

Cyber Monday—the Monday after Thanksgiving—has officially replaced Black Friday—the day after Thanksgiving—as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers. In order to fight these online grinches, the Better Business Bureau recommends 10 tips for staying safe when holiday shopping online.

Every year, more people head online—rather than to the mall—to get their holiday shopping done. Last year, 96.5 million Americans shopped online during Cyber Monday while 79 million Americans shopped at brick-and-mortar retailers on Black Friday, according to the National Retail Federation.

“The convenience and ease of shopping online has replaced the hassle of going to the store for many people—but online shopping has its own set of risks,” said Jocile Ehrlich, BBB President “Taking steps to avoid the fraud online will result in a much happier holiday for everyone—except, of course, for scammers and hackers.”

Following are the “Top 10 Online Shopping Tips” for holiday shoppers to help fight unscrupulous online retailers, scammers and hackers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

2. Shop on trustworthy websites – Shoppers should start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely-recognized “trustmarks” on retailer websites and click on the seals to confirm that they are valid.

3. Protect your personal information – BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, it should be taken as a red flag that personal information may be sold to others without permission.

4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

5. Beware of phishing – Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an e-mail, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law, the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.

8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail – BBB recommends saving a copy of the Web page and any e-mails for future reference and as a record of the purchase.

9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.

10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/

Does Stardom Really Only Cost $1.98?

11/12/2010

Posted on 11/12/2010 by Janice Clemente

Ah, it’s the stuff of dreams. Who wouldn’t want to be in the movies and perhaps meet their favorite movie star on the set? But before you start dialing the number and clearing off a spot on the shelf for your academy award, we thought you should get the full scoop on this job ad recently published in the Cincinnati Enquirer.

The Dream Sequence

MOVIE EXTRAS to stand in the background for a major film production. Earn up to $200 per day. Experience not required. All looks needed. Call 888-664-4616. Click here to view the actual advertisement.

According to a local consumer, he called the phone number and was connected to a company called Casting Services. The representative told him that for the relatively low price of $1.98 he could be on his way to stardom. Well, we researched this ad and got the full story. The name of the company is Casting360, or also known as Talent 6. They are an internet marketing company headquartered in California. Click here for the BBB report on Talent 6.

The Ol’ Switch-a-Roo

The company is already well-known to BBB and has earned an F-rating with us. Why? Because what they offer constitutes a form of bait and switch advertising. The company doesn’t actually have any jobs lined up for you. What they are doing, instead, is selling you a service to list your profile on their website at www.casting360.com. For the price of $1.98 you get to build a profile on their website where, hopefully, a casting director will decide to cast you in their next movie blockbuster. Despite what their ad implies, the company officially says on their website that they can make no guarantees that you will find work in the movies. They can’t guarantee that you will make $200/day. They can’t even guarantee that the casting call listings they post on their website are true or accurate.

The Plot Thickens

What is mentioned in the terms and conditions that you should pay close attention to is that members are automatically enrolled to continue membership at the cost of $34.90/mo. It’s a non-refundable cost you will incur monthly if you do not cancel within the 14 day trial period. The company also says you will get automatically enrolled in a free trial of their Video Acting Lessons. What that consists of is a video acting lesson emailed to you once a week. If you do not cancel this service within 30 days you will be charged a non-refundable charge of $29.95/mo.

The Classic Chase

Contacting the company to cancel could make you feel like you are in a game of cat and mouse. Consumers complain they are unable to cancel services by using the instructions provided by the company. Even worse, some are unable to contact the company at all. Emails are not returned or acknowledged, and calls are not returned. The FTC’s guidelines for internet advertising (dot.com disclosures) require marketers to provide a fast easy method of canceling, either by mail, phone, or website, Failure to do so may be a violation of consumer protection laws.

Thumbs Down

We strongly question the company’s reliability because they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the state of California’s licensing or registration requirements for their industry, and, their complaints contain especially serious allegations. If you have a complaint against this company, we encourage you to file a complaint with BBB.

You should also know that most credit card issuers will allow the cardholder 60 days to dispute an unauthorized or inaccurate charge. Review your monthly statement carefully. If you discover a charge which is unfamiliar, investigate and dispute the amount with your card issuer as soon as possible to protect yourself from making unwanted purchases.

'Tis the Season for Holiday Scams

11/11/2010

Posted on 11/11/2010 by
The holidays are a happy time for food, family, and friendship, but they are also a time for fraud. Consumers can fall into any number of traps over the holidays and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau is warning holiday shoppers and donors to look out for five common scams this season.

“While the rest of us are pulling the decorations out of the attic, scammers are blowing the dust off of their tried and true holiday scams,” said Jocile Ehrlich, BBB President. “We can all help make these holiday scams a ghost of Christmas’ past by not falling for them anymore.”

BBB recommends being on the lookout for the following scams this holiday season:

Scam shopping sites online
We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true. Every holiday season BBB hears from holiday shoppers who paid for a supposedly great deal online, but received nothing in return.

BBB advice: Always look for the BBB seal when shopping online and click on the seal to confirm it is legitimate. When shopping on sites that you aren’t household names, check the business out with the BBB before you buy.

Finding the season’s hottest toys and gadgets online
Every year, holiday shoppers fight over the “must have” toy or gadget of the season. When the item is sold out in stores, you can often find it online through sites like Craigslist or eBay—for a much steeper price. The problem is that some sellers will take your money and run.

BBB Advice: Shop locally on Craigslist and conduct the transaction in person—never wire money as payment. When purchasing items on auctions like eBay, research the seller extensively and always listen to your doubts if the deal doesn’t sound legit.

Identity theft at the mall
While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

BBB Advice: Don’t let yourself get bogged down in purchases and lose track of your wallet. Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM.

Bogus charitable pleas
The holidays are a time of giving which creates a great opportunity for scammers to solicit donations to line their own pockets. Also beware of solicitations from charities that don’t necessarily deliver on their promises or are ill-equipped to carry through on their plans.

BBB Advice: Always research a charity with the BBB Wise Giving Alliance before you give to see if the charity meets the 20 Standards for Charity Accountability.

Phishing e-mails
Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Common phishing e-mails around the holidays include e-cards and messages pretending to be from companies like UPS or Fedex with links to package tracking information.

BBB Advice: Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

For more advice on being a savvy consumer this holiday season, visit us online at www.bbb.org/us/consumer-tips-holiday/

That BBB Logo in the Yellow Pages? It CAN Be Misused, You Know.

11/3/2010

Posted on 11/3/2010 by Jason McGlone

Every year, BBB’s staff combs through the various phone directories that appear around town to look at how companies use its logo. The newest Cincinnati Bell Yellow Pages was released back in September, and we’ve just completed our look at this year’s directory.

One of the central things we focus on each year is how businesses use BBB’s logo. In years past, enough businesses used the logo improperly to cause us more grief than we knew what to do with. This year, in the over-1200-page Yellow Pages, BBB found only 17 non-BBB-Accredited companies misusing its logo. This continues the downward trend over the last several years—which exhibits a couple things worth pointing out.

First, the continuing trend of fewer and fewer companies misusing the BBB logo shows that companies see the value of BBB’s emblem and, as a result, have become Accredited Businesses or have stopped using the logo improperly.

Second, this shows that BBB’s efforts in contacting companies about logo misuse issues seems to have worked on a cumulative basis and should continue to, if the pattern holds. In other words, we’re working towards elimination of logo misuse, and while it’s sometimes akin to putting an octopus to bed, we’re making progress each year.

This said, it is important to note that just because a company puts BBB’s logo or name in their ad, it doesn’t necessarily mean that they’re BBB Accredited. Of course, if they’re not a BBB Accredited Business, they shouldn’t be using the logo, but seeing the logo in a company’s ad should prompt you to check them out with us—the information we offer helped millions to make a buying decision last year. Won’t you let us help you now?

Protect your Debit Card Number from ATM skimming

11/3/2010

Posted on 11/3/2010 by

Even if you’re choosy about which ATMs you use, you can still become a victim of identity thieves who place seamless devices on machines to steal debit card information. ATM skimming is a growing problem and the Better Business Bureau recommends consumers take a few steps to protect themselves from becoming the next victim.

According to Bankrate.com, ATM skimmers are close to reaping $1 billion annually from unsuspecting consumers. Javelin Strategy & Research estimates that one in five people have become victims.

Identity thieves tamper with ATMs in any number of different ways in order to steal debit card numbers and PINs. It only takes a few seconds to install cameras over the keypad or a device over the card reader. ATMs aren’t the only hot spots, credit card swipers at gas pumps and retailers can be tampered with as well.

“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Jocile Ehrlich, BBB President. “If you’re going to use an ATM, you could become a victim, and it’s important to monitor your accounts closely so you can quickly detect any fraudulent activity on your card and minimize your losses.”

Following are a few ways to fight identity thieves at the ATM:

Protect your PIN – When entering your PIN, cover the keypad with your other hand to prevent any cameras from catching your digits. False keypads placed over the real keypad are also a way scammers get PIN numbers so if the keypad looks different, move on.

Give it a wiggle – Skimming devices are often false panels attached to the ATM—such as where you put your card into the machine. If parts of the ATM look damaged or different, give it a wiggle. Also look for new or suspiciously placed cameras and unusual signage. Don’t hesitate to walk away and use another ATM if it doesn’t feel right.

Be picky with your ATMS – Avoid using ATMs in poorly lighted or low trafficked areas. Experts often recommend choosing a bank ATM over standalone ATMs in public places. Not only do identity thieves attach devices to legitimate ATMs to steal numbers. They will also place their own phony ATMS in public places.

Keep an eye on your statements – The most vigilant person can still fall victim to ATM skimmers, and it’s important to always keep a close eye on your accounts—particularly the itemized breakdown of charges and debits—so that you can quickly report any suspicious activity on your account.

Report fraud immediately – Report any fraudulent activity to your bank as soon as you discover it. Consumer protections for debit cards vary but depend largely on when you report the fraudulent activity. If you wait too long to report the fraud, your bank account could be cleaned out and your bank might not reimburse you.

For more advice on fighting identity thieves and preventing fraud, visit us online at www.bbb.org/us/consumer-tips-scams/.

Five Steps to Create and Keep a Holiday Budget

11/3/2010

Posted on 11/3/2010 by

Unless you’re among a select group of people, sitting down and creating a budget does not sound like very much holiday fun. Nevertheless, in tough economic times, the Better Business Bureau recommends that mapping out your spending in November will help ease the strain of a financial holiday hangover in January.

According to a survey by Consumer Reports, shoppers planned on spending about $699 over the holidays last year, but, in a follow-up survey, admitted to actually spending closer to an average of $811, 16 percent more than planned. Creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays.

“While it isn’t the most festive way to spend an evening, sit yourself down with a mug of eggnog and crunch the numbers, because tough economic times mean that you literally can’t afford to spend with abandon,” said Jocile Ehrlich, BBB President. “Building a budget and sticking to it over the holidays will stave off a painful financial holiday hangover.”

Step One: Consider your Income.
The first step is to measure how much money is coming in. Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses.
Adding up expenses is usually harder than determining your income because there are so many more factors to consider. Start with your rent or mortgage, utilities and credit card payments. Also factor in other expenses for gas and car maintenance, healthcare and groceries. A full list of monthly expenses to consider is available at www.bbb.org/us/article/tips-on-how-to-develop-a-working-budget-6101

Step Three: Estimate Extra Holiday Expenses
A lot of little purchases have a way of adding up over the holidays and it’s important to consider all of the expenses of the season including:

• Gifts - Make an itemized list of everyone you want to buy presents for and estimate how much you’re willing to spend for each. This includes presents for family, friends and coworkers. Also consider the cost for holiday cards and postage.

• Entertaining - Entertaining is big over the holidays. Think about who you’ll be having over and also budget for any food or beverages you might need to bring to someone else’s party. Also consider the costs for eating out and going to the movies—both popular expenses over the holidays.

• Decorations - Take stock of what you already own and then consider any additional spending you might need to make for a tree, lights, ornaments, wrapping paper, etc.

• Travel - If you’re heading out of town for the holidays, consider the cost of travel including any car maintenance or pet boarding if applicable.

• Charitable Donations - The holidays are a time of giving, so budget in how much you plan on donating to a worthy cause. You can learn more about being a savvy donor from the BBB Wise Giving Alliance.

Step Four: Revisit, evaluate and revise your budget along the way.
Once you’ve added up your income and your expenses, it’s time to compare. If more is going out than coming in, it’s time to go back over your budget and pare down expenses. Consider giving fewer gifts or less expensive ways of entertaining. Last year’s decorations are also probably just fine.

Once you’ve balanced your budget, revisit it frequently over the holidays to make sure you’re sticking to it. You might find that you over estimated in some categories and underestimated in others.

Step Five: Reward yourself. Work into your budget a small reward that you can earn if you meet your goals.
If you don’t meet your goals, you can guess where that money is going instead: Paying off your credit card bill in January.

More advice on saving money over the holidays is available online at www.bbb.org/us/consumer-tips-holiday/

How to Get a Temporary Job Over the Holidays

11/3/2010

Posted on 11/3/2010 by

Many job hunters will get an early present this year as retailers are increasing the number of hires for the holiday season. Competition for these jobs will likely be fierce, and the Better Business Bureau recommends applying early and taking steps to put your best foot forward.

According to the Los Angeles Times, many retailers are looking for more seasonal employees this year than in previous years. Toys R Us alone is hiring 45,000 holiday employees and other retail giants are hiring 20 or even 30 percent more seasonal staff than last year. According to the outsourcing firm, Challenger, Gray, and Christmas, as many as 600,000 people are expected to get holiday jobs this year.

“The holiday season will create a much welcome bump in the number of job openings, particularly in the retail and restaurant industry,” said Jocile Ehrlich, BBB President. “While the jobs are usually temporary, this is great news for struggling families and people who have had problems finding work.”

BBB offers the following advice for job hunters this holiday season:

Start the job search earlier rather than later.
The key to landing a seasonal job is to start searching early. Retail, shipping, restaurants and catering companies are common sources of seasonal employment and now is the time for job hunters to determine which job suits them best, identify companies they’d like to work for and then begin submitting applications and resumes.

Work where you shop.
Try to identify seasonal employment with businesses you actually shop at or frequent. You will already be familiar with the company and its products and, secondly, discounts available for employees mean significant savings when shopping for Christmas gifts. Discounts can range from 20-40 percent for seasonal employees.

Put your best foot forward.
Even if you are just picking up an application at stores in the mall, dress your best and be prepared for an interview. This includes being familiar with the company’s brand and its products. Retail job hunters in particular need to focus on impressing potential employers with their customer service skills—which is a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

Be flexible.
Full-time employees usually have first dibs on the preferred hours and shifts, so, as a seasonal employee, expect to work long, sometimes inconvenient hours including working on Thanksgiving and Christmas Eve. If this is a second job in addition to your day job, be upfront and clear with your new employer about your available hours.
For more advice on making it through the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday/

Fighting Cold and Flu Season in the Workplace

11/3/2010

Posted on 11/3/2010 by

Cold and flu season is setting in and the close quarters of the workplace allow coworkers to easily trade germs. Better Business Bureau recommends that business owners take a few simple steps to prevent illnesses from spreading and promote productivity throughout the workplace.

According to the National Institutes of Health every year there are more than 1 billion cases of the common cold in the United States. The flu also affects 5 to 20 percent of Americans every year with the peak season starting in late November, according to the Center for Disease Control

“Fighting germs around the office is about keeping your employees safe and maintaining productivity throughout the peak cold and flu seasons,” said Jocile Ehrlich, BBB President. “Encouraging proper hygiene and a liberal leave policy will help maintain a happier, healthier workplace.”

BBB recommends taking the following steps to protect employees during cold and flu season:

Build up an arsenal to fight germs. Kleenex, hand sanitizer, and products for cleaning work spaces are three basic purchases employers can make for fighting germs around the office. Also consider investing in no-touch trashcans.

Encourage people to stay home - Sick employees may think they’re being dedicated workers when they still come into work but, the truth is, they spread germs to other employees and cut down on the overall productivity of the business. Encourage employees to stay home when they are sick at least 24 hours after they no longer have a fever or severe symptoms. Consider instituting a flexible leave policy—and appropriate technology—that allows employees to work from home if they or their kids are sick.

Promote good hygiene around the office - Remind everyone of the importance of hand washing and covering your mouth if you sneeze or cough. Encourage employees to regularly clean shared equipment such as phones and computers and wipe down common areas. Post friendly reminders around the workplace in languages that all employees can easily understand.

Encourage flu shots – Contact your local hospital to see if they provide on-site flu shots or consider reimbursing some or all of the cost for employees to get a shot on their own time.

Hold a health fair – Contact your local hospital to see if they provide health fairs for larger offices. You can also contract the coordination of an on-site health fair with a company specializing in the service.

Set a good example - Now that you’ve asked everyone to wash their hands regularly and stay home if they’re sick, it’s important as the business owner that you follow your own advice. When you’re the boss it can seem like an impossible task to take a sick day, but stay home and keep your germs out of the workplace.

For more advice on providing a safe and healthy workplace, visit us online at www.bbb.org/us/Business-Tips-Index/.

No Matter How You Give, Give Wisely with Advice from the BBB Wise Giving Alliance

11/2/2010

Posted on 11/2/2010 by

Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Chronicle of Philanthropy, charitable donations to the largest charities were down 11 percent last year. Despite the tough economy and the overall decline in giving, donors are still looking for ways to help the less fortunate particularly around the holidays. According to the Salvation Army, red kettle donations in November and December of 2009 actually increased by $9 million over the previous year.

“Despite the downturn in the economy, people are still looking for creative or small ways that they can give back and support those who are even less fortunate over the holidays,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “However you decide to give, it’s important to stop and take the time to research the charity thoroughly to make sure that your dollar stretches the farthest it can in this tough economy.”

How you give—and not just what you give—to a charity matters. Following are five common ways that people donate to charities over the holidays and a few things to consider:

Give items – Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop - Many charities have had great success partnering with businesses who agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt which is called embedded giving. See if the embedded promotion states which specific charity will receive the collected funds.

Give online – Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review and look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging – The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take months to reach the charity so consider donating directly to a charity through its website if there is an urgent need.

Give your time – In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.

The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.

To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

BBB Welcomes October Accredited Businesses And Charities

11/1/2010

Posted on 11/1/2010 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

A New Rooftime, LLC
1620 Burlington Pike, Suite A
Florence, KY 41042
(513) 753-8463

Accurate Mechanical Solutions LLC
2810 Highland Avenue
Norwood, OH 45212
(513) 351-1100

Acreo, Inc.
3209 Marshall Drive
Amelia, OH 45102
(513) 734-3327

Alabama Fish Bar, LLC
1601 Race Street
Cincinnati, OH 45202
(513) 241-2255

Allstar Auto Body
11301 Reading Road
Cincinnati, OH 45241
(513) 563-7221

Anderson & Son Construction
897 Carlisle Avenue
Hamilton, OH 45013
(513) 867-0102

Animal House Pet Store
7869 Hamilton Avenue
Cincinnati, OH 45231
(513) 931-6139

AOK Plumbing & Rootering Services
6521 Blue Rock Road
Cincinnati, OH 45247
(513) 729-1373

ARW
2677 Swaps Court
Burlington, KY 41005
(859) 727-2373

Ascent Systems Innovations, Inc.
409 West 35th Street
Covington, KY 41015
(859) 534-6200

Aussie Pet Mobile
PO Box 33054
Cincinnati, OH 45233
(800) 738-6624

B

B & B Plumbing & Heating Company
5131 College Corner Pike
Oxford, OH 45056
(513) 523-4010

Bark Busters
8138 Jordan Club Court
Cleves, OH 45002
(513) 324-5669

Bickel's Contracting
11051 Stephens Road
North Bend, OH 45052
(513) 551-0788

Bill Allen Tree Service
1341 Greenup Street
Covington, KY 41011
(859) 581-3388

Blue Lizard Interactive
2940 Hebron Park Drive, Suite 307
Hebron, KY 41048
(877) 489-3347

Burwinkel Farms
4375 Hamilton Cleves Road
Hamilton, OH 45013
(513) 738-1145

C

C & C Handyman Services
1193 Immaculate Lane
Cincinnati, OH 45255
(513) 232-2144

Camelot Homes & Services
1160 State Route 28
Milford, OH 45150
(513) 866-6997

Care 4 You LLC
726 East Main Street
Lebanon, OH 45036
(513) 659-3247

Carpetile
9030 Cincinnati Columbus Road
West Chester, OH 45069
(513) 755-2000

Cincinnati Dental Sleep Medicine
5722 Signal Hill Court, Suite A
Milford, OH 45150
(513) 248-8848

Cincinnati Glass Contractors LLC
709 Mount Moriah Drive, Suite 108
Cincinnati, OH 45245
(513) 442-5962

Clarity Windows
6686 English Garden Way
Mason, OH 45040
(513) 276-1600

Country Manor Mixes, LLC
927 State Route 28, Suite C
Milford, OH 45150
(513) 759-6582

Cravens & Associates, LLC
1654 Denham Street
Cincinnati, OH 45225
(513) 213-3559

Creative Home Design
3125 Hyannis Drive
Cincinnati, OH 45251
(513) 383-8632

E

EcoEnvironments, LLC
3411 Michigan Avenue
Cincinnati, OH 45208
(513) 489-4822

Edward C. Schadler Insurance
998 Dudley Pike
Edgewood, KY 41017
(859) 331-8212

Eko Movers
2692 Madison Road, Suite N1-366
Cincinnati, OH 45208
(513) 442-2462

Everything But the House LLC
5604 Wooster Pike
Cincinnati, OH 45227
(513) 297-1880

Extreme Sportswear Inc.
242 Mary Grubbs Highway
Walton, KY 41094
(859) 428-2796

F

Family Watch, LLC
38 Leathers Road
Fort Mitchell, KY 41017
(859) 344-1463

Fries & Fries Contracting Company
6957 Parkview Drive
Florence, KY 41042
(859) 250-4498

G

Garrett & Parker, LLC
114 North High Street
Mount Orab, OH 45154
(937) 444-2244

Gentile Meats
4075 Pleasant Avenue
Hamilton, OH 45015
(513) 844-8398

Grace Plumbing, LLC
4975 Abbot Run Court
Liberty Township, OH 45011
(513) 256-0911

Graebel Cincinnati Movers, Inc.
9085 Le Saint Drive
Fairfield, OH 45014
(513) 874-4662

Graham Construction & Remodeling, LLC
1200 Cypress Street
Cincinnati, OH 45206
(513) 546-2460

Gray & Son Construction, LLC
10775 Bond Road
Harrison, OH 45030
(513) 467-9442

Greg Huffman Electric, Inc.
749 Loda Drive
Cincinnati, OH 45245
(513) 753-6397

Gump-Holt Funeral Home
3440 Glenmore Avenue
Cincinnati, OH 45211
(513) 661-0690

H

Hebenstreit Tile & Marble
7314 Applevalley Court
Cincinnati, OH 45247
(513) 385-1941

Hickory Grove Pay Lake
323 Patton Road
Winchester, OH 45697
(937) 695-1397

Hidden Trails Campgrounds
542 Allen Road
Beaver, OH 45613
(740) 988-3251

Home Instead Senior Care
400 Techne Center Drive, Suite 406
Milford, OH 45150
(513) 576-1250

Howard Contracting, LTD
2105 Tatman Coe Road
Mc Dermott, OH 45652
(740) 259-3750

HRS Clean
15 Sawmill Circle
Lebanon, OH 45036
(513) 284-6638

J

Jason Napier Plumbing
5097 Pebblevalley Drive
Cincinnati, OH 45252
(513) 741-3575

JC Quality Hardwood Flooring LLC
2471 Oak Corner Road
Hamersville, OH 45130
(513) 276-3043

Jensen Cleaning Services
628 Cleveland Avenue
Taylor Mill, KY 41015
(859) 916-5140

JN Linrose Manufacturing, LLC
999 East Avenue
Hamilton, OH 45011
(513) 867-5500

Jos. Day, Inc.
3781 Frondorf Avenue
Cincinnati, OH 45211
(513) 574-3500

Joy Outdoor Education Center Foundation, Inc.
10117 Old 3-C Highway
Clarksville, OH 45113
(937) 289-2031

L

Lauer Roofing, Inc.
10491 Pleasant Ridge Road
Alexandria, KY 41001
(859) 635-2723

LJ's Design Build
3967 Parker Place
Cincinnati, OH 45217
(513) 961-6172

Loveland Pipestone Chimney Services
1400 Oakridge Drive
Loveland, OH 45140
(937) 609-0429

M

Major Tire Company, Inc.
518 Glendale Milford Road
Cincinnati, OH 45215
(513) 771-4273

Matandy Steel & Metal Products
1200 Central Avenue
Hamilton, OH 45011
(513) 844-2277

McIntosh Hardwood Floors & General Construction, Inc.
7204 Goshen Road
Goshen, OH 45122
(513) 683-9606

Meals to Go, LLC
8592 Winton Road
Cincinnati, OH 45231
(513) 827-0161

Mechanics Plus
539 Old State Route 74
Cincinnati, OH 45244
(513) 528-4119

Midwest Asphalt
10316 State Route 770
Peebles, OH 45660
(937) 386-4007

N

Napco Flooring LLC
5173 Wooster Pike
Cincinnati, OH 45226
(513) 871-8009

National Maintenance Company
109 South Union Street
Bethel, OH 45106
(513) 734-6444

O

Oasis Hair Styling
3110 Springdale Road
Cincinnati, OH 45251
(513) 825-0210

P

Pate Appliance Service, LLC
780 South Martin Luther King Jr Boulevard
Hamilton, OH 45011
(513) 863-4700

Pearl's TLC Boarding Kennel
4455 Red Hollow Road
Beaver, OH 45613
(740) 226-2116

Pet Express Transport Services LLC
8373 River Road
Hebron, KY 41048
(859) 689-7387

Peters Nursery & Garden Store
5587 Harrison Avenue
Cincinnati, OH 45248
(513) 574-4040

Phil's Lawn Care
5772 Willnean Drive
Milford, OH 45150
(513) 831-3336

Plybon Excavating
373 County Road 3
Chesapeake, OH 45619
(740) 867-8646

Porter & Sons Concrete
1894 Hackleshin Road
Peebles, OH 45660
(937) 587-3383

PostBrowning, Inc.
7812 Redsky Drive
Cincinnati, OH 45249
(513) 771-1717

Premier Powerline Services, LLC
405 Kater Avenue
Harrison, OH 45030
(513) 202-9100

Professional IT Answers
4555 Lake Forest Drive
Cincinnati, OH 45242
(513) 549-2256

Protection Home Inspection LLC
750 Fox Creek Lane
Cincinnati, OH 45245
(513) 752-1110

R

Realty Connections Inc.
4932 Marburg Avenue
Cincinnati, OH 45209
(513) 321-5111

Reed Service Station & Tire Shop
29710 State Route 41
Peebles, OH 45660
(937) 587-2100

River City Furniture, LLC
6454 Centre Park Drive
West Chester, OH 45069
(513) 612-7303

Riversbend Dental
6028 South State Route 48
Maineville, OH 45039
(513) 494-0333

Robbins Kelly, Patterson & Tucker
315 West Main Street
Mason, OH 45040

7 West 7th Street, Suite 1400
Cincinnati, OH 45202
(513) 721-3330

Roger Williams Auto Sales, LTD
510 Harry Sauner Road
Hillsboro, OH 45133
(937) 393-0200

Ron Shuller's Creative Images Photography
8423 Reading Road
Cincinnati, OH 45215
(513) 948-1717

S

Seal-Jet of Ohio, Inc.
20 Techview Place
Cincinnati, OH 45215
(513) 563-0007

Select OB/GYN, PSC
40 North Grand Avenue, Suite 204
Fort Thomas, KY 41075

6907 Burlington Pike
Florence, KY 41042
(859) 525-1846

ServiceMaster Superior Restoration
142 Edison Drive
Middletown, OH 45044

1571 Westbelt Drive
Columbus, OH 43228
(513) 360-7624

Services Unlimited
3661 Cumberland Drive
Hamilton, OH 45011
(513) 703-7252

Slice Technologies, LLC
200 Techne Centre Drive, Suite 100
Milford, OH 45150
(513) 576-6222

Stanley's Custom Upholstery
3015 Gilbert Avenue
Cincinnati, OH 45206
(513) 293-8082

Stone Statements Inc.
7451 Fields Ertel Road
Cincinnati, OH 45241
(513) 489-7866

Suzy's Pet Grooming
212 South Miami Avenue
Cleves, OH 45002
(513) 467-0840

T

T & G Gunshop & Ammunition
233 Wanda Road
Portsmouth, OH 45662
(740) 876-4713

Tapper Auto Sales LLC
8347 Dixie Highway
Florence, KY 41042
(859) 371-4040

Tarte Advertising, Inc.
9350 Floral Avenue
Cincinnati, OH 45242
(513) 984-8278

Tepe Environmental Services, LTD
7021 Cleves Warsaw Pike
Cincinnati, OH 45233
(513) 941-4500

Terry Neal's Home Improvements
4241 Main Street
Oxford, OH 45056
(513) 602-3211

The Grounds Team
3124 Bonser Run Road
Portsmouth, OH 45662
(740) 776-2369

The RW Smith Company
8369 Juniper Lane
Florence, KY 41042
(859) 653-5054

The Square Pixel LLC
5206 Crystal View Court
Loveland, OH 45140
(513) 607-8288

Thomas J. Schneider M.D.
4760 East Galbraith Road, Suite 111
Cincinnati, OH 45236
(513) 791-1516

Tim Smith Electrical Construction
537 West Kemper Road
Springdale, OH 45246
(513) 825-3331

Tire Cover Central, Inc.
4013 Thomas Drive
Erlanger, KY 41018
(401) 714-1381

TJ's Complete Cleaning, LLC
1311 Eagle View Drive
Hebron, KY 41048
(859) 445-3001

TSS Mobile Detailing
1059 Wermeling Lane
Elsmere, KY 41018
(859) 866-3249

V

Veach Trucking, Inc.
1072 California Pike
Beaver, OH 45613
(740) 820-2458

Viper Archery
238 Township Road 1339
South Point, OH 45680
(740) 894-6100

Voelker Electric, Inc.
212 Main Street
Addyston, OH 45001
(513) 941-1489

Ohio Attorney General, Craigslist Target Online Scammers

10/28/2010

Posted on 10/28/2010 by

(COLUMBUS, Ohio) – In an effort to shed light on rampant online fraud, Ohio Attorney General Richard Cordray today announced a partnership with craigslist aimed at holding accountable those who try to defraud Ohioans through the popular classified advertising website. Attorney General Cordray and craigslist are optimistic that this partnership will help establish best practices to be also followed by other Internet sites.

"Over the past decade, scammers and predators have migrated criminal activities to the Internet and have scammed consumers out of hundreds of millions of dollars," said Cordray. "Our new partnership with craigslist sends a clear message to online scammers – stay away from targeting Ohioans."

At Cordray's request, craigslist has agreed to place a link on its "scams and frauds" page so Ohioans who are scammed, or users who see an Ohio-based scam, can submit a complaint directly to the Ohio Attorney General's office. Through the complaint process, online fraud will be identified and tracked by Cordray's Financial Cyber Crime Unit. The link is now located on craigslist's "about scams" page at www.craigslist.org/about/scams.

"It is our goal to set the standard for effective partnership with law enforcement," said William C. Powell, craigslist's Director of Customer Service and Law Enforcement Relations. "craigslist has always taken pride in its cooperation with law enforcement and we share Attorney General Cordray's desire to make craigslist a hostile place for any scammer and anyone who would misuse its predominately free services. We appreciate Attorney General Cordray's leadership in this area and look forward to a relationship that can serve as a model for law enforcement agencies throughout the country."

According to the Internet Crime Complaint Center, losses by victims of online fraud nearly doubled from 2008 to 2009, surpassing $550 million. Hundreds of complaints were filed with the Ohio Attorney General's office last year alone.

Earlier this year, Cordray created the Financial Cyber Crime Unit to detect online crimes plaguing Ohioans. The unit is comprised of investigators and attorneys from the Consumer Protection, Computer Crimes and Special Prosecution sections of the Attorney General's office. Cordray approached craigslist as the largest website devoted to classified advertisements after identifying a pattern of complaints in which scammers used Internet sites offering classified advertisements to lure users into offline conversations that turned into scams. "craigslist has been very cooperative with this initiative, which will be an ongoing conversation that protects Ohioans" said Cordray.

For more information on financial scams or to file a consumer complaint, contact Attorney General Cordray's office at www.SpeakOutOhio.gov or (800) 282-0515.

Insurance Department Urges Ohioans to Prepare for Tuesday Storm

10/26/2010

Posted on 10/26/2010 by

COLUMBUS — Ohio Department of Insurance Director Mary Jo Hudson is encouraging Ohioans to take precautionary measures ahead of the severe weather that is expected to sweep across Ohio on Tuesday. Ohioans are also encouraged to visit the Department’s Severe Weather On-line Toolkit at www.insurance.ohio.gov for tips and information on how to recover from a storm, what steps to take when it comes to filing insurance claims and frequently asked questions regarding wind storms.

“Ohio is no stranger to high winds and severe weather,” said Director Hudson. “In September 2008, the remnants of Hurricane Ike devastated our state, causing billions of dollars in damage. It’s important that Ohioans do whatever they can to protect their homes and vehicles before the storm hits and take appropriate measures to assist them in filing claims after the storm if their homes or vehicles are damaged.”

The Department offers these tips on how to prepare for and recover from severe weather:

Before the storm:

• Be sure you have adequate coverage and deductibles that are reasonable for your needs by examining your homeowner or renter’s coverage, as well as auto insurance policies.

• Tornadoes are considered “wind-storms” and damages caused by them are covered under homeowners insurance policies. If a tornado damages your car, protection is provided under the comprehensive portion of your auto policy.

• Compile a detailed written inventory of your home and belongings, and supplement that inventory with a videotape or photographs. Keep the inventory off-premises in a safety deposit box. This will assist in settling claims.

• Check on the necessity and availability of flood insurance in your area. Flood insurance is not included in typical homeowner and renter’s insurance policies. Call the National Flood Insurance Program at 1-800-638-6620 to learn about flood insurance in your neighborhood.

• Check to see if your policy has “loss of use” or “additional expense” coverage. This will help pay for temporary housing if you can’t stay in your home due to damage caused by a storm. Many policies cover such expenses up to a stated amount.

During the storm:

• Create an emergency plan, including places the family will gather in response to emergency weather alerts.

• When at home or in a building and threatening weather approaches, go to the basement or interior hall. Stay away from windows.

• Keep on hand basic supplies like water, food, flashlights and a battery-operated radio.

• If you’re in a car or mobile home when a tornado approaches, leave immediately. Do not try to outrun a tornado. If you cannot locate immediate underground shelter, lie flat in a gully or ditch. Do not get under an overpass or a bridge!

After the storm:

· Call your insurance company as soon as you can.

· Try to protect your property and salvage what you can.

· Closely inspect property and cars for damage. Note and photograph any damage and losses. This will assist in settling claims.

· Be sure your agent knows how to contact you if you can’t stay in your home.

· Be sure everything is considered in your claim. Back-up claims with written estimates.

· Beware of home repair rip-offs. Carefully check the background of contractors and others who promise “cheap” repairs. Don’t pay the entire cost of repairs up-front, and try to only do business with local, established contractors. Before signing any contract, read the entire document, and contact your local Better Business Bureau or the Ohio Attorney General’s Office to see if the company has a good customer service record.

Ohio insurance consumers with questions and concerns about their insurance can call the Department’s consumer hotline at 1-800-686-1526 . Free information can also be obtained at www.insurance.ohio.gov

BBB Blog on storm chasers

Storm Got You Down?

10/26/2010

Posted on 10/26/2010 by Trisha Sefakis

Experiencing storm damage? Make sure you don’t also fall victim to unscrupulous contractors. The best way to protect yourself is to trust your instincts, “if it sounds too good to be true, it probably is”. You want to use extreme caution if being solicited door to door for storm damage repair. Most reputable contractors do not solicit business in this fashion. Door to door solicitations are a red flag that indicate these contractors may not be local. Ask all contractors for references and to see proof of insurance. Make sure to contact those references and make sure all their insurance is up to date and current. Even though your house may have damage, and repair seems urgent, be sure not to rush into a contract, make sure you do your research first. This will save you headaches in the long run. Also be sure to have a written contract in place before the work is started. And finally, when making payment to contractors, never pay more than1/3 in advance. Making payment with credit cards is the safest route. Never pay cash upfront for any job. Always remember to contact your BBB before hiring a contractor.

Job Scam Alert: Is the Job Interview in Another State? Don’t Buy that Plane Ticket Just Yet!

10/26/2010

Posted on 10/26/2010 by Janice Clemente

Jobseekers perusing the Cincinnati Enquirer classified section recently may have been tempted to answer this ad for what appears to be a legitimate job offer to work for a nationally known company. However, BBB has uncovered it to be a scam. Click here to view a copy of the job advertisement for Casino Corp.

The ad calls for those interested in becoming a Security Supervisor to call a telephone number in Tampa, FL. The phone number reaches an answering machine for a company calling themselves Casino Corp and prompts interested job applicants to leave a message for someone to call them back.

A local consumer who responded to the ad told us what happens next. He spoke with a man named Dave Helms who told him the job was surely his. But here’s the catch – Dave wanted to fly him to San Diego for a job interview. All he had to do was stop in at his local Kroger store and wire Dave $179 for half the cost of the plane ticket. Someone from the company would meet him at the airport in California, reimburse him for the rest of the plane ticket and take him to meet the Vice President of the company.

The company told the job applicant Casino Corp is a highly exclusive casino, catering only to celebrities, but based here in Cincinnati. There was no explanation why the phone number in the ad originates from Tampa FL, or why they were asking him to travel to San Diego, CA for a job interview. BBB has no history of a company called Casino Corp operating in Ohio and neither does the Ohio Secretary of State.

BBB advises anyone who is asked to pay money upfront for a job offer, whether it is for plane tickets, study guides or start-up kits, to exercise extreme caution. Many times these are not legitimate job offers, but a way for scam artists to get a hold of your hard earned money.

If you are a victim of the company, BBB suggests you contact the police to file a report and your state’s Attorney General’s office to file a complaint.

New Laws Go Into Effect to Fight Deceptive Debt Relief

10/21/2010

Posted on 10/21/2010 by

Good news for those struggling to pay their bills: all of the new Federal Trade Commission regulations to help protect financially-desperate families from deceptive offers for debt relief will go into effect on October 27. While the new rule will have a significant impact on reducing predatory debt relief, the Better Business Bureau advises consumers that they still need to use caution when enlisting the help of a third party to get out of debt.

Since the start of the recession in December of 2007, the Better Business Bureau has received more than 6,000 complaints from consumers about debt relief or debt settlement companies. Typically, complainants say they were charged large up-front fees in exchange for the empty promise that the company would significantly reduce or eliminate their debt.

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Jocile Ehrlich, Cincinnati BBB President. “While these new rules provide effective new protections, consumers still need to be on the lookout for deceptive debt relief services.”

Under the new rule, any company that solicits debt relief services over the phone—including taking incoming calls from new customers—will not be able to charge upfront fees until:

the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;
there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and
the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

Additionally, debt relief providers cannot require that consumers set aside payments in a “dedicated account” unless:

the dedicated account is maintained at an insured financial institution;
the consumer owns the funds (including any interest accrued);
the consumer can withdraw the funds at any time without penalty;
the provider does not own or control or have any affiliation with the company administering the account; and
the provider does not exchange any referral fees with the company administering the account.

Finally, before the consumer signs up for any debt relief service, providers must disclose fundamental aspects of their services, including how long it will take for consumers to see results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts if they choose to require them.

Businesses can learn more about how to follow this new rule on the FTC’s web site: Debt Relief Services & The Telemarketing Sales Rule: A Guide for Business

For more information on managing credit and getting out of debt, check out BBB’s free advice at Managing Credit-Made Simpler.

New Laws Go Into Effect to Fight Deceptive Debt Relief

10/21/2010

Posted on 10/21/2010 by

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Jocile Ehrlich, BBB President. “While these new rules provide effective new protections, consumers still need to be on the lookout for deceptive debt relief services.”

Under the new rule, any company that solicits debt relief services over the phone—including taking incoming calls from new customers—will not be able to charge upfront fees until:

the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;
there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and
the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

Additionally, debt relief providers cannot require that consumers set aside payments in a “dedicated account” unless:

the dedicated account is maintained at an insured financial institution;
the consumer owns the funds (including any interest accrued);
the consumer can withdraw the funds at any time without penalty;
the provider does not own or control or have any affiliation with the company administering the account; and
the provider does not exchange any referral fees with the company administering the account.

Businesses can learn more about how to follow this new rule on the FTC’s web site: Debt Relief Services & The Telemarketing Sales Rule: A Guide for Business.

For more information on managing credit and getting out of debt, check out BBB’s free advice at Managing Credit-Made Simpler.

New Laws Go Into Effect to Fight Deceptive Debt Relief

10/21/2010

Posted on 10/21/2010 by

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Jocile Ehrlich, BBB President. “While these new rules provide effective new protections, consumers still need to be on the lookout for deceptive debt relief services.”

Under the new rule, any company that solicits debt relief services over the phone—including taking incoming calls from new customers—will not be able to charge upfront fees until:

the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;
there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and
the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

Additionally, debt relief providers cannot require that consumers set aside payments in a “dedicated account” unless:

the dedicated account is maintained at an insured financial institution;
the consumer owns the funds (including any interest accrued);
the consumer can withdraw the funds at any time without penalty;
the provider does not own or control or have any affiliation with the company administering the account; and
the provider does not exchange any referral fees with the company administering the account.

Businesses and Nonprofit Organizations Recognized for Doing The Right Thing

10/19/2010

Posted on 10/19/2010 by

Cincinnati, OH—October 20th -“Too often the news is about the scandals or problems with businesses and nonprofits,” BBB President Jocile Ehrlich said. “Our Torch Awards not only recognize good organizations, but lets our community know that good organizations that are committed to doing the right thing are the norm.” She added that our community has much to be proud of.

At a gala evening at Cincinnati's Duke Energy Convention Center, the Better Business Bureau celebrated the recipients and honorees of the BBB’s 2010 Torch Award for Marketplace Ethics.

The Torch Award recipients and honorees were selected by a distinguished panel of independent judges that included: Liz Carter- Executive Director, Society of St. Vincent de Paul; Tim Meyer- President, Meyer Capital Management; Dan Neyer- President, Neyer properties, Inc and Michael Moser- Vice President & COO, Western & Southern Financial Group.

2010 Torch Award Winners and Honorees Are:

Business Category One
(1 – 19 employees)

Recipient:
Centennial, Inc

Honorees:
Cutter Construction, Inc.
Infintech

Business Category Two
(20-44 employees)

Recipient:
Clark-Theders Insurance Agency, Inc.

Honoree:
Abstract Displays, Inc.

Business Category Three
(45-99 employees)

Recipient:
Appearance Plus Cleaners, Inc

Honoree:
Tecta America Zero Company

Business Category Four
(100 + employees)

Recipient:
Furniture Fair

Honoree:
Tender Hearts at Home Senior Care

Nonprofit Category, Revenues up to $1.5 Million

Recipient:
The LAM Foundation

Honorees:
One Way Farm of Fairfield, Inc
Impact 100

Nonprofit Category, Revenues Between $1.6 and $25 Million

Recipient:
4C for Children

Honorees:
National Multiple Sclerosis Society – Ohio Valley Chapter
Center for Chemical Addictions Treatment

Nonprofit Category, Revenues Over $25 Million

Recipient:
Council on Aging of Southwestern Ohio

Honorees:
Freestore Foodbank
Cincinnati-Hamilton County Community Action Agency

Three Tips for Deciding Whether to Support a Fundraising Run or Walk

10/15/2010

Posted on 10/15/2010 by Jennifer Greening

Jennifer Greening | Charity Analyst

You may be asked by someone you know to sponsor them as they run or walk in support of a cause. While runs and walks are common fundraising efforts, they pose unique challenges for donors that require the upmost care and caution.

In most instances, donors are approached by family members, friends, and coworkers for support. It’s hard to say no to the people we care about, especially when they’re doing something healthy in support of a good cause. Charities know this, which is why these events are perennial favorites.

BBB recommends you consider the following:

Remember, it’s actually the charity you’re supporting, not your friend. Check the charity out with BBB to make sure you’re supporting a trustworthy charity.
Do your research. It’s always good practice to double-check that the event is actually occurring by contacting the charity directly.
Always make your check out to the charity. Never write a check out to an individual. Do not pay in cash.

Know What You’re Buying When Supporting Breast Cancer Awareness Month

10/12/2010

Posted on 10/12/2010 by Jennifer Greening

Jennifer Greening | Charity Analyst

With October being Breast Cancer Awareness Month, consumers are finding more opportunities to support their favorite charities from their everyday purchases. Donors should make sure to understand how sales of products or other promotions will benefit a charity. If maximum impact is important to you, make sure you understand what portion of the purchase price will benefit the charity. It’s not unusual for pennies on the dollar to actually support the charity. In fact, in many instances, you can make a bigger impact through a direct contribution without purchasing the product. By understanding exactly how the charity will be supported as a result of your purchase, you can ensure your expectations are met.

One of BBB’s 20 Standards for Charity Accountability specifically addresses these concerns. BBB Standard 19 requires the following information be disclosed to donors at the point of solicitation:

1. the actual or anticipated portion of the purchase price that will benefit the charity (e.g., 5 cents will be contributed to abc charity for every xyz company product sold),

2. the duration of the campaign (e.g., the month of October), and

3. any maximum or guaranteed minimum contribution amount (e.g., up to a maximum of $200,000).

If these disclosures are not made, donors should contact the charity for more information before buying a particular product.

Create a Business Succession Plan Before Retirement

10/5/2010

Posted on 10/5/2010 by

While it’s not fun for a business owner to think about the impact their death or a disability would have on the company, it is nevertheless important to create a succession plan sooner rather than later. The Better Business Bureau outlines five steps to create a solid succession plan and ensure the stability of the business if something unexpected should happen.

A business succession plan is extremely vital to ensure the stability of the business and avoid paying to many taxes or damaging the family finances, but many small business owners lack one. According to a 2008 PNC Bank survey of business owners, 77 percent had a will but only 33 percent had a succession plan for their business.

“While your retirement may seem far off, you should plan for the unexpected by taking the time to create a thorough succession plan,” said Jocile Ehrlich, BBB President “Waiting until retirement to think about the next generation of the business puts both your family finances and the future success of the company at risk.”

BBB recommends taking the following steps to create a cohesive and comprehensive succession plan:

Have the tough conversations with family and partners.
When beginning the planning process, get the thoughts and opinions of family members and business partners on their future involvement with the company. This will give you a better idea who really wants to take on the challenges of the company and who might prefer a different path from the family business while perhaps maintaining an equity stake. Also, circle back around and make sure all interested parties understand the succession plan after it is finalized.

Get professional help. A succession plan isn’t just about naming an heir; it’s also a matter of navigating tax laws and minimizing the financial burden on family members. The financial aspect of a succession plan can be very complex. An attorney and/or financial planner can walk you through the process, make sure you’ve tied up all loose ends and help you ease the potential financial strain on family and the business.

Think about the staff. A succession plan isn’t just about tending to finances and ownership. It is also about management and making sure the company can run smoothly in your absence. Make sure that your staff is trained to carry on without you—this includes the high-level strategic plan and the day to day basics of making the business work. Consider creating basic succession management plans for key staff to ensure continuity in service and productivity should someone else depart.

Think about the customers. Customer loyalty for a small business often rests heavily on the owner. Customers might head off to the competition if they think that the company can’t carry on without you. Consider how you can make the transition seamless for customers and not lose the trust they have built in your company should you leave. Encourage relationships between customers and other staff so that they know that the business is more than just you.

Update the plan every few years. Revisit and revise the plan every few years. Make sure it continues to reflect the current status of the business as well as your family situation.

For more trustworthy small business advice, visit us online at http://www.bbb.org/us/Business-Resources/.

Be Cautious of Online Penny Auction Sites

10/5/2010

Posted on 10/5/2010 by

Online ads, often designed to look like news reports, are cropping up on popular websites claiming that you can get great deals on iPads and other electronics with online penny auctions. The discounts offered on penny auction sites are tempting, but the Better Business Bureau warns bargain hunters that they should stop and do their research before making their first bid.

Most commonly with a penny auction, users must set up an account and purchase bids with a credit or debit card; each individual bid may cost less than a dollar and are often sold in bundles of 100 or more. Every item has a countdown clock and as people bid, the cost of the item goes up incrementally and more time is added to the clock. Even if you don’t win the item, you still have to pay for the bids you placed which can add up over time.

“BBB has received hundreds of complaints from consumers about penny auctions so far this year and we’re encouraging online bargain hunters to do their research,” said Jocile Ehrlich, BBB President. “Unlike typical auctions, unsuccessfully bidding on an item through a penny auction will still cost you and BBB has heard from people who lost thousands of dollars bidding on items and have nothing to show for it.”

Many people have complained to BBB about being automatically charged $150 just for signing up for what was supposed to be a free trial. Others complainants have voiced their concerns that some sites use phony bidders and “bots” to drive up the prices on items. Customer support is also a major concern as many complainants explain they had a very difficult time receiving refunds or resolving other issues with the company.

Before making your first bid on a penny auction:

Research the penny auction with BBB first. Not all penny auctions are created equal and BBB ratings on various sites range from A- to F. Always research the penny auction site with your BBB at http://www.bbb.org/us/Find-Business-Reviews/ before signing up.
Read the fine print carefully. Before providing any personal information or signing up for any “free” trial with a penny auction, read all of the fine print carefully on the website. Pay close attention to details on signup and annual fees, minimum bidding requirements, maximum prize amounts and how to get a refund.
Know what you’re buying. Before bidding on an item, research how much it costs elsewhere and keep track of how much you’re spending on bids overall to see if you really are getting a good deal.
Keep a close eye on your credit card statement. Many have complained to BBB about being unexpectedly charged more than $150 just for signing up. Some complaints were also automatically charged for more bids when they ran out or for a yearly registration fee, not realizing this would be the case.
Complain to BBB if you feel you’ve been ripped off. If you feel you’ve been misled by a penny auction site, file a complaint with your BBB. BBB has assisted customers in resolving their issues, including getting refunds. If the business does not cooperate, your complaint will still go down on the company’s BBB Reliability Report and serve as a warning to others.

For more advice on finding deals and avoiding rip-offs online, visit us at http://www.bbb.org/us/consumer-tips-technology/

Find a Pest Control Company to Banish Bedbugs

10/5/2010

Posted on 10/5/2010 by

Not satisfied with the comforts of home, bedbugs are migrating to public places like movie theaters and retail stores and then hitching rides on unsuspecting consumers. Not only are bedbugs a growing problem, they are also a hard problem to get rid of. Better Business Bureau recommends doing your research to find a pest control company you can trust to get the job done efficiently.

According to a recent survey by the Pest Management Association, 95 percent of exterminators had encountered a bed bug infestation in the previous year—compared to only 25 percent of respondents ten years prior. While homes are the most common place for infestations, bedbugs also invade hotels, movie theaters, clothing stores and offices.

“When you discover an infestation in your home or business, you want to act quickly and get a professional in there fast,” said Jocile Ehrlich, BBB President. “Despite the urgency of the problem, you still need to do your research and make sure you are enlisting the help of a qualified and trustworthy pest control specialist.

When hiring a pest control company, BBB recommends that home and business owners consider the following:

Start with BBB.
Always research a business with your BBB first. BBB maintains reports on good and bad exterminators across North America. You can use BBB’s Accredited Business Locator to quickly find local companies that uphold BBB’s standards for ethical business practices.

Credentials count.
Make sure the exterminator has sufficient training and certifications. Ideally, the company will also be a member of a national or local trade association. Also research the company with your local pest control regulatory board.

Ask about liability insurance.
Find out how the company is covered, and how you will be reimbursed, if they happen to break any of your belongings or damage your home.

Get educated.
Make sure that you completely understand the extent of the infestation as well as the possible remedies and side affects of any chemicals used. Do your own research online into the problem and possible solutions.

Read the fine print.
Always read the find print carefully and don’t just take a representative word for it. Pay close attention to any warrantees or termination fees if entering into an extended contract for monitoring or future services.

For more advice on hiring home maintenance professionals, visit http://www.bbb.org/us/consumer-tips-home/

Five Ways to Fight Back Against Phone Bill Cramming

10/5/2010

Posted on 10/5/2010 by

Sneaky little charges are making their way onto telephone bills and can go unnoticed for months. Victims of so-called “cramming” often face a tough battle to stop being billed every month and start getting their money back. In order to fight cramming, Better Business Bureau recommends keeping a close eye on every bill and being extremely cautious when giving out personal information such as phone numbers.

“You might think that nothing bad can happen from giving out your telephone number, but you should guard those digits like you would a credit card or social security number,” said Jocile Ehrlich, BBB President. “Monitor your monthly statements closely because even if you are very protective of your personal information, cramming can still strike.”

Cramming is on the rise, according to the Chief of the Consumer and Governmental Affairs Bureau of the Federal Communications Commission during an interview with Herb Weisbaum, consumer reporter for MSNBC.com. Cramming can come from any number of sources. Some victims may have inadvertently signed up for a subscription service—such as for “free” ringtones or a daily joke or horoscopes--not realizing they’d be billed every month. The Federal Trade Commission recently cracked down on one company that used telemarketers to convince people into signing up for “free” trial services. Calling a psychic hotline or entering a sweepstakes can also lead to cramming. Unfortunately, in some cases, the victim is just an unlucky random target.

BBB recommends taking the following five steps to fight cramming:

Keep a close eye on monthly statements. Anyone can become a victim of cramming so monitoring you monthly bills is extremely important. The sooner you spot the charges, the sooner you can fight them.
Know your rights. Contact your telephone provider to see if you can completely restrict third-party billing on your account.
Know whom you can trust online. Before handing over any personal information online, always research the business with your BBB at http://www.bbb.org/us/Find-Business-Reviews/.
Guard your personal information closely. Be wary when asked to provide personal information to sign up for a free trial or enter a sweepstakes. Always read the fine print on any offer so you understand how your personal information may be used.
Know where to complain. If you are unable to resolve the issue either through your telephone provider or directly with the business, file a complaint with the FCC for charges related to telephone service and FTC for all other cramming charges on your phone bill. You can also file a complaint with BBB.

For more advice on managing personal finances and protecting your wallet, visit us online at http://www.bbb.org/us/consumer-tips-finance/.

Health Code Violators Exposed

10/5/2010

Posted on 10/5/2010 by Janice Clemente

There is good news for Cincinnati restaurant patrons. The Cincinnati Health Department is now making it easy for you to find out if your favorite (or not so favorite) restaurant has any health code violations. The results can now be found online at their website: http://www.cincinnati-oh.gov/noncms/health/inspection/.

The Cincinnati Health Department’s Environmental Health Food Safety Program inspects all food service operations and retail food establishments in the City of Cincinnati. They identify violations that may contribute to food contamination or illness such as whether food is properly prepared and stored, the restroom facilities are adequately maintained, or whether the restaurant has any unwanted pests.

If you encounter a problem or have a concern while visiting a retail food establishment or food service operation, tell the manager and ask that it be corrected. If you are not satisfied with the response you can contact BBB to file a complaint and the Cincinnati Health Department online by clicking here.

Major Marketing/ Media Trade Groups Launch Program to Give Consumers Enhanced Control Over Collection and Use of Web Viewing Data for Online Behavioral Advertising

10/5/2010

Posted on 10/5/2010 by

New York, NY (October 4, 2010) — A group of the nation's largest media and marketing trade associations, with support from the Council of Better Business Bureaus, today announced the details of a self-regulatory program that will give consumers enhanced control over the collection and use of data regarding their Web viewing for online behavioral advertising purposes.

The program includes specific implementation practices in support of the Self-Regulatory Principles for Online Behavioral Advertising, which the industry released in July 2009. Together, the Principles and practices represent the industry’s response to the Federal Trade Commission’s call for more robust and effective self-regulation of online behavioral advertising practices that would foster transparency, knowledge and choice for consumers.

The program promotes the use of the “Advertising Option Icon” and accompanying language, to be displayed within or near online advertisements or on Web pages where data is collected and used for behavioral advertising. The Advertising Option Icon indicates a company’s use of online behavioral advertising and adherence to the Principles guiding the program. By clicking on it, consumers will be able to link to a clear disclosure statement regarding the company's online behavioral advertising data collection and use practices as well as an easy-to-use opt-out option.

Starting today, companies collecting or using information for behavioral advertising are encouraged to visit www.AboutAds.info to acquire and begin displaying the Advertising Option Icon, signaling their utilization of behavioral advertising and adherence to the Principles. The launch of an industry-wide icon will enhance the efforts of the growing number of companies that are already using similar mechanisms to deliver enhanced notice to millions of consumers. Interested companies engaged in behavioral advertising can also register to participate in the easy-to-use consumer opt-out mechanism on the www.AboutAds.info site.

As business registration and use of the Advertising Option Icon expand, consumers will have an opportunity later this fall to visit www.AboutAds.info for information about online behavioral advertising and to conveniently opt-out of some or all participating companies’ online behavioral ads, if they choose.

The cross-industry self-regulatory initiative spans the entire marketing-media ecosystem and is led by the American Association of Advertising Agencies (4A’s), the American Advertising Federation (AAF), the Association of National Advertisers (ANA), the Direct Marketing Association (DMA), and the Interactive Advertising Bureau (IAB). Collectively, these associations represent more than 5,000 leading U.S. corporations across the full spectrum of businesses that have shaped and participate in today’s transformed media landscape.

The associations are actively promoting adoption of the Principles by businesses across the entire online advertising ecosystem via a series of webinars. To build widespread awareness and understanding of the program among the business community and consumers, the associations will be conducting a national educational campaign.

When launched later this fall, the consumer opt-out platform will include the participation of the Network Advertising Initiative (NAI). In addition, the DMA has built the Principles into its existing self-regulatory Guidelines for Ethical Business Practice, which all DMA members are required to comply with as a condition of membership.

Starting in 2011, the Council of Better Business Bureaus (CBBB), a leading non-profit organization dedicated to advancing marketplace trust through self-regulation, along with the DMA, will be responsible for monitoring and enforcing compliance, as well as managing consumer complaint resolution. The CBBB and DMA expect to contract with the Better Advertising Project, (BAP), to provide its monitoring technology to report on companies’ adherence to the transparency and control provisions of the program.

“The advertising industry has a long history of strong, effective CBBB-administered self regulation of traditional media, and we look forward to applying these lessons to the dynamic new online advertising market. We also look forward to putting in place technology to monitor the marketplace and promote compliance with the program’s transparency and control principles,” said Lee Peeler, President and CEO of the National Advertising Review Council (NARC) and Executive Vice President, National Advertising Self-Regulation, Council of Better Business Bureaus (CBBB).

“The Advertising Option Icon program launch builds on DMA’s long-standing commitment to consumer choice and its history of effective self-regulation across all marketing communications. As the marketing community seeks to provide consumers with more timely, relevant and customized advertising messages, the Advertising Option Icon will serve as a beacon of consumer choice and trust in the marketplace. We are committed to helping consumers understand that they have choices and exercise those choices regarding interest-based advertising, and will work diligently to foster compliance and accountability across the industry,” said Larry Kimmel, CEO, DMA.

“Marketers, agencies and media companies need to talk to their audiences. They need to describe what they do, how they do it and the value it brings. Transparency and choice are essential in reinforcing that trust, and trust is a critical underpinning of growth—for the marketing and media industries as well as for the entire economy,” said Randall Rothenberg, President and CEO, IAB.

“As advertisers utilize the Internet to effectively market their brands, they recognize the need for consumer trust. The self-regulatory initiative launched today is an exceptional program that protects consumers’ privacy. Consumers now can exercise choice and control over the data used by marketers to create interest-based advertising. On behalf of the ANA’s 400 member companies that collectively invest more than $250 billion annually in marketing communications, we are proud to join with other leading media and marketing organizations to bring this comprehensive, ambitious program to the public,” said Bob Liodice, President and CEO, ANA.

“Our ability to deliver advertising messages to consumers that speak only to their interests must surely be one of the great benefits of the media revolution that we’re living through. We fully understand that this advance in targeting will be lost if the public comes to believe that we are not responsible stewards of the data on which it is built. That is why we are so proud to be one of the driving forces in the creation of the code of responsible conduct that we are launching today,” said Nancy Hill, President and CEO, 4As.

“For the world of online advertising and marketing to work and grow, consumers must trust it. And the way to earn and keep that trust is to give consumers clear disclosure, choices, and, most importantly, control about how their data is used online for the purposes of targeted advertising. The organizations collaborating on this initiative represent an unprecedented coalition in support of that principle, with a concrete program to put that principle into action online. The American Advertising Federation is proud to be joining the other leading media and marketing trade associations in giving consumers the online tools they deserve to control, as they see fit, the use of their data in the world of interest-based online advertising,” said James Edmund Datri, President and CEO, AAF.

“The NAI and its more than 50 members are pleased to contribute their experience in similar self-regulatory programs to this exciting cross-industry effort. We welcome the next stage of this initiative, as our members continue to roll out solutions that give consumers more information and choices around interest-based advertising. Several of our members have already launched icon-related advertising disclosures for hundreds of millions of advertisements, and we expect to see aggressive further deployments over coming months,” said Charles Curran, Executive Director of the Network Advertising Initiative.

The Self-Regulatory Principles for Online Behavioral Advertising, released in July 2009, guided the implementation details announced today. These Principles address Enhanced transparency beyond what is contained in privacy policies:

Clear choices regarding the data collected and used for online behavioral advertising;
Appropriate data security including data retention limits;
Limits on the collection of specified sensitive data for online behavioral advertising
Consumer education about online behavioral advertising; and
Development and implementation of accountability procedures for entities engaging in online behavioral advertising

To view the complete document, please click on this link: Self-Regulatory Principles for Online Behavioral Advertising.

Primary press contact:
Lesley Neadel
CooperKatz & Company
917-595-3034
lneadel@cooperkatz.com

Better Business Bureau contact:
CBBB
Linda Bean
212-705-0129
lbean@narc.bbb.org

FTC Issues Final Rule in Credit Card Debt

9/30/2010

Posted on 9/30/2010 by Christine Baker

by: Christine Baker/Director, Marketplace Resources

Starting on October 27, 2010, for-profit companies that sell debt relief services over the telephone may no longer charge a fee before they settle or reduce a customer’s credit card or other unsecured debt. According to the FTC, this rule will stop companies who offer consumers false promises of reducing credit card debt by half or more in exchange for large, upfront fees. This Final Rule covers telemarketing of for-profit services including credit counseling, debt settlement and debt negotiation services. While this rule doesn’t include non-profit firms, it does cover companies that falsely claim non-profit status.

This Final Rule contains specific requirements for debt relief providers related to charging an advance free before providing any services. Fees for debt relief services may not be collected until:

· The debt relief service successfully renegotiates, settles, reduces or otherwise changes the terms of at least one of the consumer’s debt

· There is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it

· The consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider

The Final Rule specifies how debt relief providers can collect their fees for each settled debt. Providers will also have to make several disclosures when telemarketing their services to consumers.

For more information about the rule, visit the FTC’s website at http://www.ftc.gov/opa/2010/07/tsr.shtm

Credit Card Changes

9/27/2010

Posted on 9/27/2010 by Christine Baker

by: Christine Baker, Director/Marketplace Resources

August 22, 2010 brought more changes from the Federal Reserve Board to credit card companies. Under the new rules, credit card companies can’t charge you a fee more than $25 unless one of your last six payments were late, in which case your fee may be up to $35 or, they can show the costs it incurs as a result of late payments justify a higher fee. Also, your credit card company can’t charge you a late payment that is greater than your minimum payment.

No inactivity fees can be assessed and they can’t charge you more than one fee for a single event or transaction that violates your cardholder’s agreement. If your credit card company increases your card’s Annual Percentage Rate, they must tell you why.

Finally, under the new rules, if your credit card company increases your Annual Percentage Rate, it must re-evaluate that rate increase every six months. Then, if appropriate, it must reduce your rate within 45 days after completing the evaluation.

These are just some of the rules that are being implemented under the Credit Card Accountability, Responsibility and Disclosure Act. More information about credit card protection under the other rules can be found online at http://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htm.

The Federal Reserve Board has an interactive site to provide helpful information about navigating the credit card process.

Cordray Sues Three Foreclosure Rescue Businesses

9/27/2010

Posted on 9/27/2010 by

(COLUMBUS, Ohio) – Ohio Attorney General Richard Cordray has filed three new lawsuits against foreclosure rescue operations for bilking Ohioans out of tens of thousands of dollars. In the lawsuits, Cordray is seeking to shut down these outfits in Ohio with full restitution to homeowners.

"In each case, the rescue operations charged ridiculously high fees to assist homeowners who were at risk of losing their homes," said Cordray. "In the end, homeowners got no help and ended up in deeper mortgage trouble. No Ohioan should ever pay for foreclosure assistance, and we have legitimate housing counselors who help you for free if you call Save the Dream at 1-888-404-4674."

In Franklin County Common Pleas Court, Cordray filed suits against National Homeownership Assistance Foundation Ltd. (NHAF), located in Worthington, and Stephens Investment & Financial Services dba Lifeline Financial Legal Home Solutions, located in Fort Lauderdale, Fla.

Cordray accuses NHAF and its managing partner, Casimir S. Suwinski of Delaware, its general manager, Casimir S. Suwinski Jr. of New Albany, and its president, Arden Banks of Grove City, of charging homeowners on average $2,500 for foreclosure prevention services, such as securing loan modifications from mortgage servicers, and then not providing the service. The operation is accused of taking more than $59,000 from Ohioans.

In the case against Lifeline, Cordray accuses the operation of claiming that it could "reduce your payments up to 10-50%," or "lower your interest rate." After charging thousands of dollars, the company failed to deliver the service. Lifeline also misled consumers by misrepresenting its legal expertise and the availability of legal services, including "retained legal experts."

Additionally, Cordray filed a suit in Stark County Common Pleas Court against 1st American Law Center Inc. based in Oceanside, Cal. In the filing, 1st American is accused of charging homeowners as much as $4,000 for foreclosure prevention assistance services such as negotiating loans and accepting payment for these services without delivering on its promises.

All three foreclosure rescue operations have been charged with multiple violations of Ohio law, including failure to deliver, misrepresentation and unfair or deceptive acts or practices. Cordray is seeking civil penalties from each of the companies in addition to full restitution for consumers. Further at Cordray's request, the court has ordered an attachment of NHAF's assets, pending resolution of the case.

With these lawsuits, Cordray has taken formal legal action against 14 foreclosure rescue scam operations targeting Ohioans since he took office in January 2009. The lawsuits are part of a broader effort to hold companies accountable for violating Ohio law in the wake of the foreclosure crisis. Cordray also has sued three mortgage servicers for unfair or deceptive loan modification practices. The lawsuits against Carrington Mortgage Services, American Home Mortgage Servicing Inc. and Barclays Capital Real Estate dba HomEq Servicing for violations of Ohio's Consumer Sales Practices Act introduce an unprecedented legal strategy into the fight against foreclosure.

To view the lawsuit against NHAF and motion for attachment, visit: www.OhioAttorneyGeneral.gov/NHAF.

To view the lawsuit against Lifeline, visit: www.OhioAttorneyGeneral.gov/LifelineHome.

To view the lawsuit against 1st American, visit: www.OhioAttorneyGeneral.gov/FirstAmerican.

To report a foreclosure rescue operation or to file a complaint, consumers should contact Attorney General Cordray's office at (800) 282-0515 or www.SpeakOutOhio.gov.

BBB Welcomes September Accredited Businesses and Charities

9/27/2010

Posted on 9/27/2010 by

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A
A & S Sand & Gravel
54 Old State Route 775
Proctorville, OH 45669
(740) 886-5195

Afinia Dental
7789 Cox Lane
West Chester, OH 45069
(513) 777-9117

All Around Exterior
14 Roger Lane
Florence, KY 41042
(859) 743-1196

An Elegant Affair Limousine Service, LLC
202 Lookout Heights Lane
Covington, KY 41011
(513) 451-5050

Andy's Dalton GA Carpet & Flooring
4040 Mount Carmel Tobasco Road
Cincinnati, OH 45255
(513) 528-4800

Animal Hospital of West Chester
9335 Cincinnati-Columbus Road
West Chester, OH 45069
(513) 777-5131

ASAP Remodeling, LLC
11711 Princeton Pike Suite 117
Cincinnati, OH 45246
(513) 615-1243

B
Baker Heating & Cooling
24 Main Street
Milford, OH 45150
(513) 831-5124

Blue Line Pro
166 Mount Zion Road
Florence, KY 41042
(859) 282-0096

Brighton Center, Inc.
13-15 East 20th Street
Covington, KY 41014
375 Weaver Road
Florence, KY 41042
601 Washington Avenue Suite 140
Newport, KY 41071
706 Park Avenue
Newport, KY 41071
741 Central Avenue
Newport, KY 41071
799 Ann Street
Newport, KY 41071
(859) 491-8303

Buchanan Concrete LLC
480 Lakeview Drive
Wilder, KY 41071
(859) 307-3906

C
Carter Home Improvement
3497 Patterson Road
Bethel, OH 45106
(513) 739-3497

CBS Blacktopping
1362 Millville Oxford Road
Hamilton, OH 45013
(513) 896-7612

Cincinnati Animal Referral and Emergency Center, LLC
6995 East Kemper Road
Cincinnati, OH 45249
(513) 530-0911

Cincinnati Trolley
7524 Bridgetown Road
Cincinnati, OH 45248
(513) 467-9888

Comprehensive Case Management Solutions, LLC
1937 Fairfax Avenue
Cincinnati, OH 45207
(513) 221-5599

Conway Electric, LLC
4490 Stratford Court
Batavia, OH 45103
(513) 532-7290

Crystal Clear Cleaning
6578 Emerald Drive
Burlington, KY 41005
(859) 653-6983

Cunningham Heating & Air Cooling
1049 Woodlawn Avenue
Cincinnati, OH 45205
(513) 244-2362

D
Drs. Lubitz & Lamping, DDS, Inc.
11438 Lebanon Road
Cincinnati, OH 45241
5116 Cedar Village Drive
Mason, OH 45040
(513) 769-5545

E
Egbert Funeral Home, LLC
101 Liming Farm Road
Mount Orab, OH 45154
(937) 444-0323

F
First Day Natural Lighting, LLC
2981 Cincinnati Dayton Road
Middletown, OH 45044
(513) 217-5600

Flaming Medusa Studios, Inc.
8216 Princeton Glendale Road Suite 119
West Chester, OH 45069
(513) 539-7725

G
Garage Door Plus
804 Solida Road
South Point, OH 45680
(740) 894-4060

Greener Stock, LLC
3528 Columbia Parkway
Cincinnati, OH 45226
(513) 321-0567

H
Hardin & Hardin Dentistry
202 East Main Street
Mason, OH 45040
(513) 398-4448

Heritage Hill Estates, LLC
8288 Wooster Pike
Cincinnati, OH 45227
(513) 561-4995

Horsepower Motors
30 Kenton Lands Road
Erlanger, KY 41018
(859) 341-1333

I
Ice Blasters USA
4820 Interstate Drive
Cincinnati, OH 45246
(513) 870-1840

Interiors Plus
6203 Snider Road
Mason, OH 45040
(513) 777-7717

Iron Creations LLC
1352 Shawhan Road
Morrow, OH 45152
(513) 535-4621

J
James Monk HVAC, LLC
1446 Bercliff Avenue
Cincinnati, OH 45223
(513) 541-3500

James Shaw Painting
3379 Summitrun Drive
Independence, KY 41051
(859) 409-5138

Jim's Pest Control and Termite Services LLC
320 Possum Hollow Road
Wheelersburg, OH 45694
(740) 574-5244

Joe Tewes Construction
231 Moore Street
Bromley, KY 41016
(859) 653-2904

L
Lawrenceburg Chevrolet Buick Pontiac GMC
1105 East Eads Parkway
Greendale, IN 47025
(812) 537-1416

Liberty Plastics Molding Corporation, Inc.
624 Colfax Avenue
Bellevue, KY 41073
(859) 431-8780

Listerman's Groundskeeping & Landscaping, Inc.
3000 Carthage Drive
California, KY 41007
(859) 635-5135

Lother's Catering, Inc.
2295 North Bend Road
Hebron, KY 41048
(859) 689-4030

M
Major Tire Company, Inc.
518 Glendale Milford Road
Cincinnati, OH 45215
(513) 771-4273

Marhorn Limited, LLC
2500 Shaker Village Drive
North Bend, OH 45052
(513) 615-3029

Mark Johns Painting Co.
9151 Montoro Drive
Cincinnati, OH 45231
(513) 931-6456

Massage Envy
3774 Paxton Avenue
Cincinnati, OH 45209
(513) 533-3689

N
Navis Pack & Ship
4762 Interstate Drive
Cincinnati, OH 45246
(513) 860-2332

NBC Construction
459 West Wyoming Avenue
Cincinnati, OH 45215
(513) 225-9000

Neltner's Painting
7021 Hamilton Avenue
Cincinnati, OH 45231
(513) 746-6085

Northern Kentucky Horse Center, Inc.
13463 Poole Road
Verona, KY 41092
(859) 485-6542

P
Parker Concrete, Inc.
7870 Foundation Drive Suite C
Florence, KY 41042
(859) 727-3594

Patrick Hill & Sons, Inc.
974 O'Bannonville Road
Loveland, OH 45140
(513) 683-1569

Picket Fence Home Inspection
2019 18th Street
Portsmouth, OH 45662
(740) 353-0512

Pool and Spa Place, LLC
753 Reading Road
Mason, OH 45040
(513) 229-8999

Power 3 Fitness Coaching
6905 Plainfield Road
Cincinnati, OH 45236
(513) 679-2235

Powertech Engineering
4417 Muskopf Drive
Fairfield, OH 45014
(513) 708-5784

Pride Cheer Academy, LLC
25 Cavalier Boulevard
Florance, KY 41042
(859) 816-8675

Q
Quality Remodeling
8074 Forest Road
Cincinnati, OH 45255
(513) 474-4273

R
Reavis Construction
413 Lockwood Avenue
Hamilton, OH 45011
(513) 274-2924

Roof Doctor Gutters and Siding, LLC
7723 Tylers Place Boulevard, Suite 174
West Chester, OH 45069
(513) 827-7077

S
Schwertman Building Group, LLC
166 Francisridge Drive
Cincinnati, OH 45238
(513) 451-2633

Sherriff Goslin Roofing Co.
4060 Acme Drive
Fairfield, OH 45014
(513) 874-7663

Southern Ohio WSR
2114 Central Avenue
Middletown, OH 45042
7917 Blue Ash Road
Cincinnati, OH 45236
(513) 706-1386

Stained Glass Overlay of Northern Kentucky & Cincinnati
4025 Dixie Highway
Elsmere, KY 41018
(859) 727-4746

Superior Home Care Inc.
8135 Beechmont Avenue Suite 177
Cincinnati, OH 45255
(513) 231-4010

Superior Imports, LTD
5884 North Jefferson Street
Burlington, KY 41005
(859) 586-7444

Supreme Asphalt Paving
236 Hemlock Road
Bidwell, OH 45614
(888) 866-8858

Supreme Termite and Pest Control
848 11th Street
Portsmouth, OH 45662
(740) 354-6145

T
Taylor's Auto Repair LLC
316 Solida Road
South Point, OH 45680
(740) 377-2365

The Johnson's Day Care Center LLC
1913 Roosevelt Avenue
Cincinnati, OH 45240
(513) 825-4741

The Prodigy School
2050 Barbara Drive
Hebron, KY 41048
(859) 689-0999

The Sams Group
7914 Jessies Way Suite 103
Hamilton, OH 45011
(513) 460-9544

Tri-State Tub & Tile
8356 Jakaro Drive
Cincinnati, OH 45255
(513) 474-6896

Trim Masters
5666 Middleboro Road
Morrow, OH 45152
(937) 763-4815

W
Ward's Service Center, Inc.
246 County Road 403
Proctorville, OH 45669
(740) 886-9632

Watercourse Technology, LTD
222 East 14th Street
Cincinnati, OH 45202
(513) 403-8832

Weltman, Weinberg & Reis Co., LPA
525 Vine Street Suite 800
Cincinnati, OH 45202
(513) 723-2200

Wild Birds Unlimited
6496 Glenway Avenue
Cincinnati, OH 45211
(513) 598-4645

Window City of Cincinnati
9297 Cincinnati Columbus Road
West Chester, OH 45069
(513) 777-2489

Woody's Towing
98 Sandhill Road
Wellston, OH 45692
(740) 577-3245

X
Xcelerated Investments, Inc.
2940 Hebron Park Drive
Hebron, KY 41048
(859) 795-4610