Protect Yourself from Tax Season Scams

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Tax season isn’t just about filing returns—it’s also prime time for scammers trying to steal personal and financial information. From phishing emails to fake IRS calls, tax fraud can have serious consequences. At Boyd & Associates, we’re here to help you stay informed and secure.

Phishing Emails & Fake IRS Messages
Scammers pose as the IRS or tax companies, sending emails claiming issues with your return or promising refunds.

• The IRS never contacts taxpayers via email, text, or social media.
• Watch for urgent language, suspicious links, and unfamiliar sender addresses.
• Never click links—go directly to www.irs.gov to check your tax status.

Fraudulent IRS Phone Calls
Scammers impersonate IRS agents, demanding immediate payment and using threats to pressure victims.

•The IRS will never call to demand payment or threaten arrest.
• Requests for gift cards, prepaid debit cards, or wire transfers are red flags.
• Hang up and report the call to TIGTA at 1-800-366-4484.

Fake Tax Preparers
Some scammers pose as professionals, promising big refunds while stealing your information.

• A legitimate preparer has a Preparer Tax Identification Number (PTIN) and signs your return.
• Never sign a blank tax return or allow your refund to be deposited into someone else’s account.
• Verify tax preparers through the IRS Directory of Federal Tax Return Preparers.

How to Protect Your Information
1. File Early
Filing sooner helps prevent identity thieves from using your Social Security number to file a fraudulent return.

2. Use Secure Platforms
Only file taxes through reputable IRS-approved e-filing services, avoid public Wi-Fi, and enable two-factor authentication.

3. Secure Your Documents
Shred old tax paperwork and store important records in a locked, safe place.

4. Monitor Your Accounts
Check bank statements and credit reports for suspicious activity. If you suspect fraud:

• Contact the IRS Identity Protection Unit at 1-800-908-4490.
• File an IRS Form 14039 (Identity Theft Affidavit).
• Place a fraud alert with Experian, Equifax, or TransUnion.

Stay Secure This Tax Season
Tax season should be about filing returns, not fighting scams. Stay informed, protect your information, and take proactive steps to safeguard your financial security.

At Boyd & Associates, we believe security goes beyond your home—it includes protecting your identity and personal data. Stay vigilant and don’t let scammers take advantage this tax season.

Securing Your Space: Tips for Renters in Shared Living Arrangements

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Renting a room or sharing a living space, whether in an apartment, condo, or house, comes with unique challenges when it comes to security. While landlords or property managers may handle the building’s general safety, it’s essential to take extra steps to secure your personal space and belongings. At Boyd & Associates, we understand the importance of feeling safe where you live, and we’re here to help with these practical tips.

Protect Your Room and Belongings

When sharing a living space with roommates or strangers, safeguarding your personal area is critical.

• Invest in a Door Lock: Install a sturdy deadbolt or a smart lock on your bedroom door to ensure only you have access.

• Use a Personal Safe: Store important items like passports, cash, and electronics in a secure, fireproof safe.

• Keep Valuables Out of Sight: Avoid leaving valuable items in plain view, as even trusted roommates may have visitors who you don’t know.

• Communicate Safety Expectations with Roommates

Establishing shared rules about security can prevent misunderstandings and keep everyone in the household safe.

• Lock Doors and Windows: Make it a household rule to always lock exterior doors and windows when leaving or going to bed.

• Visitor Policy: Discuss a clear policy for hosting visitors and ensure everyone knows who is coming and going.

• Shared Expenses for Security: If the property lacks proper security measures, suggest splitting the cost of upgrades, such as adding a smart doorbell or security cameras.

Secure Shared Areas

In shared housing situations, common areas like the kitchen, living room, and storage spaces also need protection.

• Install Surveillance Cameras: Place security cameras in shared spaces like the entryway or garage to monitor activity.

• Label Personal Belongings: Clearly label your items in shared spaces to avoid disputes or theft.

• Use a Lockable Cabinet: For shared kitchens or garages, consider a lockable cabinet to secure high-value items like tools or electronics.

Be Aware of Who Has Access

When renting a room or living in shared housing, it’s crucial to know who has access to your home.

• Ask About Spare Keys: Ensure the landlord or roommates disclose who has spare keys and whether past tenants might still have access.

• Change Locks if Necessary: If there’s any doubt about who can access the home, ask the landlord to rekey the locks. • Stay Alert to Security Concerns: Report suspicious activity to the landlord or property manager immediately.

At Boyd & Associates, we specialize in security solutions for every living situation, including shared spaces. From smart locks to video surveillance and 24/7 monitoring, we can help you create a safer living environment, whether you’re renting a room or sharing a home.

Should You Trust ChatGPT with Your Kids? What Parents Need to Know

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As artificial intelligence tools like ChatGPT grow in popularity, parents are asking an important question: Is this technology safe for kids? While AI can offer valuable opportunities for learning and creativity, it also comes with risks that require careful navigation. At Boyd & Associates, we are committed to protecting what matters most, including your family’s digital safety. Here’s what parents need to know about ChatGPT and how to safely incorporate it into your household.

Why ChatGPT Can Be a Great Tool for Kids

ChatGPT offers kids the opportunity to learn, explore, and stay curious. It can:

• Assist with answering quick questions and explaining concepts.
• Support creative learning by brainstorming ideas and encouraging curiosity.
• Save time for families by acting as a quick, interactive resource for children’s inquiries.
When used appropriately, ChatGPT can be a helpful addition to a child’s educational and creative toolkit.

How to Monitor ChatGPT Use Safely

While ChatGPT can enhance your child’s learning experience, it requires parental oversight to ensure it is used appropriately. Here’s how to safely introduce AI tools into your household:

1. Start with Supervised Sessions
Sit down with your child as they interact with ChatGPT. This allows you to monitor responses, address any inaccuracies or inappropriate answers, and guide them toward safe and responsible use.

2. Use It Together
Encourage ChatGPT use as a family tool rather than an independent one. Using it together creates opportunities for discussion, fosters trust, and ensures a balance between digital learning and face-to-face interaction.

3. Set Usage Rules
Create clear boundaries for what questions can and cannot be asked. For example, explain to your children why they should never share personal information like addresses, passwords, or school details when using ChatGPT or any online platform.

4. Teach Critical Thinking
Encourage your kids to verify the answers they receive by cross-checking with trusted sources. This practice helps them develop critical thinking skills and understand that AI tools aren’t always 100% accurate.

Risks to Watch For

Although ChatGPT has its benefits, it’s not without risks:

• Inaccurate Information: ChatGPT doesn’t always provide correct answers, and kids may not have the knowledge to identify misinformation.
• Inappropriate Responses: While rare, AI tools can sometimes generate responses that are not suitable for children.
• Privacy Concerns: AI systems process input data, which means kids could unknowingly share sensitive information.

At Boyd & Associates, we understand that modern families face safety concerns both at home and online. While ChatGPT and similar AI tools can be valuable, it’s important to use them responsibly. Whether you’re securing your physical home or safeguarding your family’s digital interactions, Boyd & Associates is here to help.

By implementing these best practices, you can ensure that your family benefits from AI while minimizing risks. Together, we can create a safer environment for learning, exploring, and thriving in the digital age.

Thanksgiving Cooking Safety Tips for a Safe Holiday

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Thanksgiving is a time for family, friends, and of course, a delicious feast. With so many cooking activities happening at once, however, kitchen accidents can easily occur. From kitchen fires to foodborne illnesses, there are several risks to be mindful of as you prepare your holiday meal.

At Boyd & Associates, we want your holiday to be joyful—and safe. Here are some essential cooking safety tips to keep in mind while preparing your Thanksgiving dinner.

1. Keep an Eye on the Stove

With all the activity on Thanksgiving Day, it’s easy to get distracted, but unattended cooking is one of the leading causes of kitchen fires. Always stay in the kitchen when frying, grilling, or broiling food. If you need to leave the room, even briefly, be sure to turn off the stove. For foods that need time to simmer or bake, use a timer to remind you when to check on them.

2. Frying a Turkey?

Do It Safely Deep-frying a turkey is popular but potentially hazardous. Always fry your turkey outdoors on a flat surface, away from structures, trees, or wooden decks. Make sure the turkey is fully thawed and dried before frying to avoid dangerous oil splatters. Monitor the oil temperature closely to prevent overheating and ignition.

3. Prevent Kitchen Fires

Kitchen fires can happen quickly, so it’s important to be prepared. Keep flammable items like towels, oven mitts, and packaging away from the stove or oven. Always turn pot handles inward to prevent accidental spills, especially if there are children around. Finally, have a fire extinguisher in your kitchen, and make sure everyone in your home knows how to use it.

4. Supervise Children in the Kitchen

If kids are helping out in the kitchen, make sure they do so safely. Create a “kid-free” zone around hot surfaces like the stove or oven, and teach older children safe cooking practices, such as using oven mitts and turning pot handles inward to avoid burns.

Thanksgiving is a time for celebration, but safety should always come first. By following these simple cooking safety tips, you can ensure a smooth and enjoyable holiday for everyone. Boyd & Associates is committed to keeping you safe all year round, whether it’s in the kitchen or throughout your home. Have a happy and safe Thanksgiving!

Holiday Travel: Safety Precautions Before You Leave

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As the holiday season approaches, many are preparing for Thanksgiving and Christmas travels. Whether you’re driving across the state or flying across the country, it’s important to secure your home and belongings before you leave. Boyd & Associates has gathered some key safety tips to help you travel with peace of mind.

Secure Your Home

Before leaving, lock all doors, windows, and entry points, including your garage and gates. Activate your home security system, and if you don’t have one, consider installing one. Make sure outdoor security lights, especially motion sensors, are working to deter intruders.

Notify a Neighbor or Friend

Ask a trusted neighbor or friend to keep an eye on your home. They can collect your mail, packages, or newspapers to prevent the appearance that no one is home. If you’re away for a longer period, arrange for yard maintenance to keep your home looking occupied.

Use Timers for Lights and Electronics

A home that looks lived-in is less likely to be targeted. Set timers for lights, TVs, or radios to give the appearance of activity. Consider using smart lighting systems and automating blinds to add another layer of security.

Plan Your Road Trip

If you’re driving, ensure your vehicle is ready by checking tire pressure, oil, and brakes. Set up your GPS in advance and use hands-free devices to avoid distractions. With holiday traffic, stay alert and give yourself extra time to reach your destination safely.

Holiday travel can be stress-free with a bit of preparation. Boyd & Associates is here to help you protect your home while you enjoy the season. Follow these tips to keep your home secure and travel with peace of mind.

Fire Season Preparedness: Protecting Your Home and Family

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With fire season now a recurring challenge in California, proactive preparation is essential. At Boyd & Associates, we prioritize your safety. Here are the most crucial steps to protect your home and family during fire season.

Know Your Risk Zone

Understanding your fire risk is the first step in preparation. Check your local fire hazard zone using tools like Cal Fire’s Fire Hazard Severity Zone maps. Sign up for local alerts and download apps like Ready for Wildfire to receive real-time updates.

Create Defensible Space Around Your Home

Defensible space is key to keeping wildfires at bay. Clear dead vegetation at least 100 feet from your home (or 200 feet in high-risk areas) and trim trees regularly. Consider using fire-resistant materials for decks and roofs, and install ember-resistant vents to block burning embers.

Prepare an Evacuation Plan

Wildfires can move fast, so it’s essential to be ready to evacuate. Create an evacuation plan with multiple exit routes, pack a go-bag with essentials, and have a plan in place for pets. Make sure your family knows the drill in case of emergency.

Protect Your Assets with Insurance and Documentation

Review your insurance policy to ensure coverage for wildfire damage. Take photos or videos of your home’s interior and valuables, and store them in a secure place. This documentation can make recovery easier if a wildfire occurs.

By taking these proactive steps, you can reduce your risk and protect your home. Stay informed, stay prepared, and stay safe with Boyd & Associates this fire season.

Earthquake Preparedness: Essential Steps for Safety and Comfort

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At Boyd & Associates, we know how important it is to be prepared for emergencies, especially in earthquake-prone areas like Southern California. While it’s crucial to know what to do during an earthquake, it’s just as important to be ready for the challenges that follow. Here are four essential steps to ensure both safety and comfort in the aftermath.

Build a Comprehensive Emergency Kit

Your emergency kit should cover more than just the basics. While essentials like water, food, and first aid supplies are necessary, don’t overlook comfort items. Include cozy clothing, blankets, and hygiene products to help you and your family feel refreshed. Simple entertainment like books or cards can also help pass the time while waiting for services to be restored.

Plan for Power Outages

Power outages are likely after an earthquake. Be prepared with battery-powered fans and heaters to regulate temperature, as well as rechargeable power banks to keep your devices charged. Solar-powered lights or lanterns can provide reliable lighting without the need for batteries, helping you stay safe and informed.

Ensure Access to Clean Water

Access to clean water is critical. Store enough bottled water for at least three days—about one gallon per person per day. Adding water purification tablets or a portable filtration system to your kit ensures you’ll have access to safe drinking water in case regular supplies are disrupted.

Stay Connected with Communication Tools 

Staying connected with loved ones and staying informed about emergency updates is key. A battery-powered or hand-crank radio can help you receive updates even if power and internet are down. Pre-arrange communication plans with your family, and consider walkie-talkies or satellite phones for reliable communication if traditional systems fail.

At Boyd & Associates, we believe that earthquake preparedness means more than just surviving the event—it’s about ensuring comfort and security in the days that follow. By planning ahead with these essentials, you can protect yourself and your loved ones during one of nature’s most unpredictable events. Stay prepared, stay safe.

Protecting Your Personal Information on Social Media

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In today’s digital age, social media has become an integral part of our lives. It’s where we connect with friends and family, share our experiences, and stay updated on current events. However, the convenience of social media comes with significant risks to our personal information. Here’s how you can protect your privacy and keep your data safe while enjoying social media.

Adjust Your Privacy Settings

Each social media platform offers privacy settings to control who can see your posts and personal information. Regularly review these settings and customize them to limit visibility to only trusted friends or connections. Make your profile visible only to your friends or connections. Avoid making your profile public, which can expose your personal information to anyone on the internet. Use features that allow you to choose who can see specific posts. Share sensitive information only with a select group of trusted individuals.

Be Cautious with Personal Information

Refrain from sharing sensitive information such as your home address, phone number, or financial details. Oversharing can make you a target for identity theft and other malicious activities. Consider the long-term implications of what you share. Once posted, information can be difficult to remove and may be accessible to others indefinitely. For additional privacy, consider using a nickname or alias, especially on platforms where your real identity isn’t necessary.

Beware of Phishing and Scams

Be wary of messages or friend requests from unknown individuals. Phishing scams often use messages that appear to be from trusted sources to steal your information. Avoid clicking on links from unverified sources. Phishing scams frequently use malicious links to trick you into revealing personal information. Use the platform’s reporting features to report suspicious messages or accounts. This helps maintain a safer online environment for everyone.

Secure Your Account

Create strong, unique passwords for each social media account. A strong password typically includes a mix of letters, numbers, and special characters. Add an extra layer of security by enabling 2FA. This requires a second form of verification, such as a code sent to your phone, in addition to your password. Change your passwords periodically to enhance security. Ensure your account recovery information, like email addresses and phone numbers, is up-to-date.

Monitor Your Digital Footprint

Regularly search for your name online to see what information is publicly available. This helps you identify and address any privacy concerns. If you find personal information that you don’t want to be public, take steps to remove or secure it. Keep up-to-date with the latest social media privacy practices and updates. Platforms frequently update their settings and policies, so staying informed helps you maintain optimal security. 

Protecting Your Children Online: Tips for Parents

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In an increasingly digital world, children are exposed to the internet from a very young age. While the internet offers a wealth of knowledge and opportunities, it also poses significant risks. As a parent, it’s crucial to take proactive steps to protect your children online. Here are some essential tips to ensure their safety.

Set Up Parental Controls

Many devices and apps come with built-in parental controls that allow you to restrict content and monitor usage. Consider using third-party parental control software that offers more comprehensive features, such as content filtering, screen time management, and activity monitoring.

Educate Your Children

Teach your children about the basics of internet safety, including not sharing personal information, recognizing suspicious links, and understanding the importance of privacy. Explain the importance of respectful online behavior and the potential consequences of cyberbullying, both for the victim and the perpetrator.

Monitor Online Activity

Regularly check your children’s online activity, including the websites they visit, the apps they use, and their social media interactions. Keep an eye on your children’s friend lists on social media and gaming platforms. Ensure they are only connecting with people they know in real life.

Use Safe Search Engines

Use child-friendly browsers and search engines designed to filter out inappropriate content. Examples include Kiddle, KidzSearch, and SafeSearch Kids. Enable safe search settings on regular search engines like Google to help filter explicit content.

Create a Safe Online Environment

Set clear rules about internet usage, including what sites they can visit, how much time they can spend online, and appropriate online behavior. Foster an environment of open communication where your children feel comfortable discussing their online experiences with you.

Stay Informed

Stay updated on the latest technology trends and potential risks. This will help you better understand the online landscape your children are navigating. Join online parenting groups or forums where you can share experiences and get advice on managing your children’s internet usage.

Encourage Positive Online Activities

Encourage your children to use the internet for educational purposes, such as online courses, educational games, and research for school projects. Support your children in using the internet for creative expression, such as blogging, digital art, or video creation, within a safe and supervised environment.

Conclusion

Protecting your children online is an ongoing process that requires vigilance, communication, and the right tools. By setting up parental controls, educating your children about internet safety, monitoring their activity, and staying informed, you can create a safer online environment for them. Remember, the goal is not to restrict their internet use but to ensure they can explore the digital world safely and responsibly.

As Retail Theft Rates Rise, Is Your Business Protected?

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In today’s economic climate, where inflation continues to drive up prices, retail owners must take their business security seriously. With rising prices comes a higher theft rate. Is your business equipped to handle this increase?

The Rising Threat of Retail Theft
According to recent data from the National Retail Federation, the average price of goods and services increased by 7.1% over the past year. Consequently, 54% of U.S. retailers have reported a significant rise in theft incidents. This growing trend underscores the importance of taking proactive measures to protect your business from theft and ensure your peace of mind.

Why Invest in Business Security?
Inflation and other economic pressures contribute to the rise in theft. In major cities, robberies and thefts have surged by 20% over the past two years. This reality demands that business owners remain vigilant both during operating hours and after closing.

Professional Monitoring: One of the most effective ways to safeguard your business is through professionally monitored security systems. With 24/7 monitoring, your business is protected around the clock. If an alarm is triggered, professional monitors will respond immediately, ensuring your business is always under watch, even when you’re not there.

Enhance Your Security with the Right Devices Security Cameras: Equip your commercial space with both indoor and outdoor cameras. These cameras not only help monitor daily activities but also provide recorded footage that can be crucial for law enforcement if an incident occurs. Advanced video analytics can notify you of any unusual activity, distinguishing between animals, people, and vehicles.

Motion Detectors: These are essential for monitoring movement within your store, especially after hours. With professional monitoring, any triggered alarms are immediately addressed.

Glass Break Detectors: Many thieves break windows to gain entry. Glass break detectors can detect the sound of breaking glass and trigger an alarm, ensuring a swift response from law enforcement.

Door & Window Sensors: These sensors monitor when entry points are opened. They can also be installed on cabinets and storage areas. Receive instant notifications via the Boyd SMS app whenever a sensor is triggered, ensuring you are always in control.

Smart Devices for Enhanced Security Smart Plugs: Control lights and other devices remotely to save energy and deter thieves. If you notice suspicious activity, turning on lights can scare off potential burglars.

Smart Door Locks: Lock and unlock your business remotely, eliminating the need for physical keys. Smart locks provide peace of mind, allowing you to ensure your business is secure from anywhere using the Boyd SMS app.

Protecting Businesses of All Sizes
Whether your business is just starting out or is well-established, a robust security system is essential. Retail businesses are particularly vulnerable to theft in today’s climate, making security more important than ever.

For more information on how to protect your business, contact Boyd & Associates today. Our team is ready to provide tailored security solutions to meet your unique needs.