Consumer Corner
How to Protect Yourself from a Smartphone Scam
How to Protect Yourself from a Smartphone Scam
(Feature Impact) The first sign is unexpectedly losing access to your cell phone. Soon after, when you connect to Wi-Fi, the gravity of the situation sinks in: a criminal has gained access to your cell phone number and is trying to siphon money from your credit cards and bank accounts.
The scam is called SIM swapping, or SIM hijacking, and it’s a concern for law enforcement in the United States and abroad as more than 5,000 people have reported SIM swapping scams to the FBI since 2022. Older adults, caregivers and families can benefit from understanding the warning signs of SIM swapping and taking simple security steps to prevent it from happening.
How SIM swapping works
A SIM card, or its digital version known as an eSIM, helps connect a phone number to a carrier network. In a SIM swapping scam, a criminal collects basic information about their victim, such as their name, birthdate and address, to try to move the victim’s phone number to a SIM card or eSIM profile the criminal controls.
Once complete, the scammer gains access to accounts you may be logged into on your phone, such as bank accounts or credit card apps, without touching your phone or being near you.
How to protect yourself from SIM swapping scams
Preparation is the best protection against SIM swapping. Cell phone users should use strong, unique passwords for each online account – password managers are a helpful tool in creating complex and randomized passwords. Use two-factor authentication where it’s offered; this adds an extra layer of security when accessing sensitive accounts.
Next, consumers should protect personal information they share online, whether on social media or in texts or emails asking for identifying data, such as PIN numbers, birthdates or one-time security codes. Be wary of anyone pushing you to share personal information, particularly if they’re pushy with their request or make it sound urgent.
Check your mobile carrier to see if it offers SIM protection. For example, Verizon customers can toggle on a protection feature on the carrier’s website or app to lock lines on their account to help prevent SIM changes.
If you get an unprompted notification that your SIM has been changed, or otherwise suspect you’ve been targeted in a SIM swapping scam, contact your banks immediately and have them freeze your accounts, including ones the criminals may not have targeted yet. Next, work with your cell phone provider to help regain access to your mobile device. If you’re able, share as much information as possible with law enforcement so they can investigate, or at least document trends, in how often this scam occurs.
To find more advice to protect against smartphone scams, visit Verizon.com.
Photo courtesy of Shutterstock
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home gardening
Fall Tree Planting: Expert Guidance for Optimal Growth
Fall Tree Planting: Fall is the perfect season to celebrate trees as they transform the world into vibrant shades of red, orange, green and gold. You can do more than just admire existing trees – because in many areas, fall is also an ideal time to plant new ones.
Fall Tree Planting: Expert Guidance for Optimal Growth
(Feature Impact) Fall is the perfect season to celebrate trees as they transform the world into vibrant shades of red, orange, green and gold. You can do more than just admire existing trees – because in many areas, fall is also an ideal time to plant new ones.
While spring is often seen as peak planting season, experts say cooler weather and autumn rains provide ideal conditions for seedlings to retain moisture and establish their root systems gradually before winter dormancy, improving their future ability to adjust to summer heat and drier conditions.
According to the Arbor Day Foundation, planting trees offers many benefits for the planet, wildlife and humans alike. From an environmental perspective, they help filter air and water, remove pollutants from the soil, slow storm surge and nurture biodiversity. Plus, access to nature can reduce stress and increase opportunities for outdoor recreation, improving overall health and well-being in your community.
This autumn, use these expert tips from Eric North, program manager of urban forestry and ISA-certified arborist at the Arbor Day Foundation, to plan your fall tree planting and add a few new hues to your local landscapes.
Choose the Right Tree
Setting your trees up for success starts with choosing the right species. Before ordering seedlings, take time to identify species that are well-suited to your local climate, soil conditions and planting site. Also consider the tree’s mature height and how far the canopy will spread – it won’t stay small forever, so make sure you can give it space to grow.
Think About Timing
Although you can technically plant trees until the soil is too frozen to dig a hole, it’s best to schedule your fall tree planting at least six weeks before the ground freezes so the seedlings have time to adapt before winter. If you’re unable to plant your trees immediately after getting them, you can store them in a cool, dry place, making sure the roots stay damp, for up to five days before putting them in the ground.
Don’t Dig Too Deep
A tree planted too deep may develop root and trunk problems that can affect its long-term health. Instead of digging deep, go wide to encourage roots to spread outward. Dig a hole roughly 3-4 times wider than the root system but no deeper than the root itself. When you put the tree in the hole, the root flare (where the trunk meets the roots) should sit level with the soil or slightly above it.
Mulch with Care
Adding 2-3 inches of mulch in a layer around the base of the tree can help insulate the soil and roots, retain moisture and suppress weeds. However, be careful to keep the mulch a few inches away from the trunk itself so you don’t create a “mulch volcano” that traps moisture against the bark.
Water Frequently
Cozy autumn rainstorms might share some of the workload here, but when the forecast looks clear, it’s up to you to water your newly planted seedlings. Keeping the soil consistently moist allows a young tree’s roots to stay hydrated and continue growing. Precise care instructions will depend on the type of tree and your location but expect to thoroughly water your trees about once a week until the ground freezes.
Protect Against Wildlife
Small trees are vulnerable to damage from local wildlife like deer and rabbits, who may chew on bark or snap fragile branches. Installing a protective fence or breathable tree guard can help safeguard trees until they’re older and more capable of withstanding scavenging from hungry critters.
Join the Cause with Trees
Research from the Arbor Day Foundation’s Canopy Report shows most Americans want to live in neighborhoods with more trees, but only a minority report having planted a tree in the past year. However, if you’re feeling inspired to plant trees in your yard this fall, the organization is ready to help.
New members who join during the nonprofit organization’s fall membership drive will receive 10 free trees suitable for their region, along with clear instructions on how to plant and care for them. Whether you’re a first-time planter or a seasoned friend of the forest, you’ll receive ongoing support to ensure success in your efforts to grow a greener world.
“People understand how important trees are for their communities, their health and the environment,” said Dan Lambe, chief executive of the Arbor Day Foundation. “Many just need a simple way to get started. Our fall membership drive puts trees directly into people’s hands and gives them the confidence to plant trees successfully.”
The foundation has engaged tree planters in more than 90% of all American neighborhoods, thanks in large part to the organization’s membership drives each planting season. This fall, more than 2 million new trees are expected to be distributed.
To sign up and choose your 10 free trees, visit Arborday.org/GetTrees, where you can also find additional advice on tree planting, care and more.
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(Feature Impact) Review any driver’s road trip checklist, and you’ll likely find some items always top the list, such as suitcases, snacks and (sometimes) a spare tire.
New research from Hankook Tire’s ongoing consumer Gauge Index Survey found that, when packing for a road trip, nearly 6 in 10 drivers (58%) said they would prioritize bringing a spare tire and tools. While the majority said they check their spare tire, getting stuck without air in the spare could quickly turn an adventure into a headache.
Before you hit the road next, here are three ways to prepare:
1. Check your vehicle.
Preparing for a long road trip requires more than simply saving room in the suitcase for souvenirs. Once the bags are packed, it’s easy to get behind the wheel and go. However, a quick car inspection is an important step, especially as 36% of Americans said if they could eliminate one travel inconvenience, it would be vehicle issues.
According to the survey, nearly all drivers (86%) check their fuel level before a road trip. Yet only about two-thirds (66%) inspect their engine fluids even though this is also a key recommendation before a long drive. Don’t forget to plan your refueling or EV charging stops ahead of time: 27% of drivers said running out of fuel is their top concern on the road.
2. Kick the tires.
Most drivers (78%) check their tire pressure before a road trip, and the majority of drivers (90%) have a spare tire in their vehicle. Yet less than half (44%) actually check their spare tire before a long drive. This may be because 71% of drivers regularly inspect their spare at least once a month, giving them peace of mind that it’s ready if needed.
Before heading out, experts recommend checking tire tread, as well. A quick coin test can confirm your tires are in good shape. Insert a nickel or quarter heads-down into the groove of the tire with the head pointing down. If the top of the head is visible, it’s recommended to replace the tires.
3. Pack the emergency essentials.
Beyond the phone charger and salty-and-sweet snack combo of choice, think about what else you might need if you find yourself in a roadside emergency. Many drivers consider a first-aid kit (25%) and navigation system or map (35%) essential additions to a spare tire. The latter could certainly help avoid many drivers’ biggest worries: More than 1 in 5 (21%) said getting stranded in a remote area is their worst-case scenario for a road trip mishap.
No matter where your journey takes you, a little preparation goes a long way. By referring to these insights from Hankook Tire’s Gauge Index Survey, you can start your adventure confidently prepared for whatever the road may bring.
Photo courtesy of Shutterstock
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Consumer Corner
Things to Look for When Considering an Auto Secured Loan
Many Americans continue to feel pressure from rising everyday expenses. Some are turning to credit cards and other expensive options like unsecured loans to cover surprise bills, manage a temporary gap in cash flow or even pay for basics like groceries and gas. For these people, an auto secured loan may offer another option for borrowers who own a vehicle and are looking for a more affordable way to access funds.
(Feature Impact) Many Americans continue to feel pressure from rising everyday expenses. Some are turning to credit cards and other expensive options like unsecured loans to cover surprise bills, manage a temporary gap in cash flow or even pay for basics like groceries and gas.
For these people, an auto secured loan may offer another option for borrowers who own a vehicle and are looking for a more affordable way to access funds.
Unlike an unsecured personal loan, an auto secured loan uses a vehicle as collateral. This can help borrowers qualify for higher loan amounts at better interest rates and with more flexible repayment terms.
Not all loans are created equal, however. If you’re considering an auto secured loan, here are six features that responsible lender Oportun suggests borrowers prioritize when evaluating their options.
1. Transparent, Easy-to-Understand Terms
A responsible lender will clearly explain the loan’s annual percentage rate (APR), monthly payment amount, repayment schedule, fees and total cost over time.
Borrowers should also understand what happens if a payment is missed and what options may be available if financial circumstances change. Clear information helps consumers make confident, informed decisions.
2. Affordable and Predictable Payments
The best loan is one that fits comfortably within your budget. Look for fixed monthly payments, reasonable repayment terms and the ability to pay off the loan early without penalties. Be cautious of products that rely on repeated refinancing or loan rollovers that can increase costs over time.
3. Lower-Cost Alternatives to Payday
When unexpected expenses arise, some consumers turn to high-cost forms of credit, such as payday loans, because they are often marketed as fast and easy to secure.
A responsible auto secured loan may offer a more affordable alternative with lower rates and repayment terms designed to help borrowers successfully repay what they borrow rather than become trapped in a cycle of debt. Be sure to shop rates across loan types and lenders.
4. Flexibility and Strong Customer Support
Life doesn’t always go according to plan. Borrowers should look for lenders that offer convenient account management tools, flexible payment options and access to knowledgeable customer support representatives. The ability to get help when it’s needed can make a meaningful difference over the life of your loan.
5. Credit Building Opportunities
A loan can do more than just solve an immediate financial need. Many responsible lenders report payment activity to the major credit bureaus, allowing borrowers to build or strengthen their credit history through consistent, on-time payments. Over time, a stronger credit profile can open the door to additional financial opportunities.
6. Responsible Collateral Practices
Before taking out an auto secured loan, it’s important to understand how a lender approaches collateral. Responsible lenders use a vehicle to help expand access to credit. They do not offer credit as a shortcut to taking ownership of your vehicle. Look for lenders that offer hardship assistance and work with borrowers facing financial setbacks before pursuing collection actions. Repossession should always be a last resort.
Choosing the Right Lending Partner
If you’re considering an auto secured loan, make sure the lender you choose supports these six practices. Responsible lenders design their products to help people both access funds for short-term needs and improve their long-term financial health.
For example, Oportun offers clearly priced auto secured personal loans designed to help members access affordable credit and repay them on time so they can build a stronger financial future. Since its founding, the lender has provided more than $22 billion in responsible and affordable credit, helped more than 1.3 million people establish a credit history and saved its members more than $2.5 billion in interest and fees.
By focusing on lenders that prioritize transparency, affordability, flexibility and successful repayment outcomes, borrowers can find an auto secured loan that meets their current and future financial needs. Discover more information by visiting Oportun.com.
Photos courtesy of Shutterstock
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Oportun
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