It's Holiday Season for the bad guys too! But not the way you might think. They go into scam-overdrive mode. Black Friday and Cyber Monday are the busiest on-line shopping days and they are out to get rich with your money. So what to look out for?

  • At the moment, there are literally thousands of fake sites, looking just like the real thing. Don't fall for it. Make sure the site you go to is the real one. Type in the address or use your bookmark, do not click on links in emails with special offers.   And while we're at it...
  • Check website addresses after following links on Twitter, Facebook, or other social media channels to be sure you end up on the true website of the retailer you want.
  • Watch out for alerts via email or text that you just received a package from FedEx, UPS or Canada Post, and then asks you for some personal information. Don't enter anything.
  • Don't download fake mobile apps that  promise big shopping savings, and be very wary of online discount coupons. Think Before You Click!
  • Keep a close eye on your bank and credit card statements so you can quickly dispute any suspicious charges

So, especially now, the price of freedom is constant alertness and willingness to fight back. Remember to only use credit cards online, never debit cards. If you think you might have been scammed, stay calm and call your credit card company, nix that card and get a new one. Happy Holidays!