Beware

Card skimming is a method used by thieves to capture your credit or debit card information without your knowledge. It typically involves a small device called a skimmer, which is attached to or inside card readers at ATMs, gas stations, and point-of-sale terminals. Here are some important tips to help you watch out for card skimmers:

Inspect Card Readers:

• Before using an ATM or card reader, visually inspect the machine. Look for any unusual attachments or anything that seems out of place.
• Check for loose parts or any signs of tampering.

Use Secure Locations:

• Choose ATMs located in well-lit, secure areas, preferably those affiliated with banks or reputable establishments.
• Avoid using machines in isolated or low-traffic areas.

Cover Your PIN: Always cover the keypad with your hand while entering your PIN to prevent hidden cameras from capturing it.

Scam Alert!

Scams involving fake IRS communications are unfortunately common, especially during tax season. Scammers use various tactics to deceive individuals into providing personal information or making payments. Here are some key tips to help you recognize and protect yourself against these scams:

Know How the IRS Communicates

• Official Communication: The IRS typically initiates contact with taxpayers through the mail, not by phone or email. If you receive a call, email, or text message claiming to be from the IRS, be suspicious.
• Written Notices: The IRS sends written notices for any issues regarding taxes owed, refunds, or audits. Always wait for an official letter in the mail before taking any action.

Verify Authenticity

• Check for Signs of Scams: Common signs include poor grammar, threats, or requests for immediate payment. The IRS will never demand payment via prepaid debit cards, gift cards, or wire transfers.

Suggestions

Cutting commuting costs can significantly reduce your overall expenses and improve your financial health. Here are five effective ways to save money on your daily commute:

Carpool or Rideshare

• Benefits: Sharing rides with coworkers or friends can drastically cut down on gas and parking costs. It also reduces wear and tear on your vehicle.

• Tips: Use apps like Waze Carpool, Carpool World, or local Facebook groups to find carpool partners.

Use Public Transportation

• Benefits: Buses, trains, and subways are often cheaper than driving, especially when you consider fuel, maintenance, and parking fees.

• Tips: Look for monthly passes or discount programs that can lower your fare. Some employers might also offer subsidies for public transportation costs.