This holiday shopping season, BBB Scam Tracker has received numerous reports about shipping tricks that scammers use to steal from online shoppers. The con artists are exploiting PayPal’s polices by delivering incorrect items and using stolen tracking numbers.
How the Scam Works:
People are shopping online and are finding amazing deals, often brand name goods at a significant discount. Often, the items are large – such as pieces of furniture or a vaccum cleaner. The website and the products look legitimate, so consumers are deciding to take a chance and make a purchase. The site directs them to pay through PayPal, which leads many to believe it’s safe.
After checkout, a confirmation email arrives that contains a tracking number from UPS, FedEx, or another shipping service. After a few weeks, the package arrives, but it’s not what was expected. For example, one shopper ordered a 6-foot artificial Christmas tree, but “received a bottle brush Christmas tree no bigger than my hand.” Another shopper told BBB they ordered “a pressured machine washer for $78…” and received “a yellow shirt that’s not worth $2.” In another common version of this scam, the package is delivered… but to the wrong address.
When consumers try to correct the mistake, they are finding that the ecommerce site is either unresponsive or unhelpful. In some cases, the site doesn’t provide contact information; in others, no one responds to emails or calls.
Some scam victims report filing claims with PayPal in order to get a refund. PayPal’s protection promise says customers can open a dispute if the package never arrives, if the item received is counterfeit or differs significantly from what was ordered. However, not all claims were resolved to the buyer’s satisfaction. For example, one shopper reported the following experience after ordering a desk online and filing a dispute through PayPal. “I was contacted by PayPal and told they had found in favor of the seller. They had apparently received confirmation of delivery of said desk to my house according to the tracking number… PayPal did not give me any option to discuss their decision, to argue why they found in favor of the seller. They just closed the case.”
BBB contacted PayPal about the BBB Scam Tracker reports. After looking into the stolen tracking code issue, they replied: “We notified various shipping carriers of this issue allowing tracking data to be stolen and we believe it has been closed. In addition, we made enhancements to our algorithms to identify and disable these fraudulent bad actors. In fact, we are stopping a significant majority of these fraudulent sellers at first transaction through our detection program and have refunded customers impacted by this fraud scheme even if they did not appeal our decision.”
Protect Yourself from a Package Delivery Scam:
Before paying, know your rights and responsibilities. In everything from check cashing scams to cons involving new peer-to-peer payment systems, scammers often take advantage of what consumers don’t know when it comes to processing payments. Don’t make a purchase from a shady seller assuming the purchase will be protected no matter what.
Before buying online, confirm the site has real contact information. Make sure the seller has a working phone number and address on the website, so you can contact them in case of problems.
Don’t wait too long to file a dispute. Scammers know that PayPal and credit cards have time limits for disputes. They often try to delay the process long enough so that shoppers miss the window.
If the price seems too good to be true, there’s probably something wrong. Be wary if the item is selling for significantly lower than what’s been advertised elsewhere.
Review BBB online shopping tips. Many online purchase scams use similar tactics. See BBB.org/ShoppingOnline for more advice.
Learn more about spotting and reporting PayPal fraud. For more resources on shipping fraud, see FedEx’s website and UPS’s online resource center. To learn more about scams, go to BBB.org/ScamTips.
If you’ve been targeted by this scam, help others avoid the same problem by reporting your experience at BBB.org/ScamTracker.
NOTE: PayPal Inc., FedEx Corporation and United Parcel Service are BBB Accredited Businesses.
Left to right, Sara Fifield, Bruce White, Terry Gagne, Darla Frost, Sharon Storti, Elizabeth Dixon, Jeanine Derosby, Ryan Poulin, Tammy Poissonnier, Lori Schmitz, Jason Michaud, Lee Breton, and Tanya Verzoni. (Contributed photo)
On November 4, 2021, CEO, Ryan Poulin, and his team at New Dimensions Federal Credit Union, in Waterville, humbly accepted Mid-Maine Chamber of Commerce’s 2020 Large Business Award at the Enchanted Gables, on Hussey Hill Road, in Oakland.
Because of New Dimensions FCU’s mission, “Educate. Empower. Evolve.” applies to both the community and its staff, they work to ensure the growth of membership and employee retention are equally balanced. In 2020, they worked on that balance of achievements that awarded them the honor of receiving such a prestigious community award.
In 2020, New Dimensions positioned itself for growth, and innovation, by constructing a state-of-the-art main office located at 94 Silver Street, in Waterville. The building was designed to be as green as possible including solar energy, heat pumps, natural gas-heated hot water, and energy-efficient lighting. It was imperative to use local contractors and vendors in the construction.
After the move to Silver Street, NDFCU renovated its previous Grove Street location into an operations center, now known as the Digital Branch. With this, the Credit Union expanded its workforce by adding a call center that fields over 7,000 calls monthly.
During the pandemic, New Dimensions focused on retaining all employees and training some of them to assist members in a new capacity including processing numerous SBA PPP loans for businesses.
New Dimensions provides the latest technology to conduct personal and business banking and continues looking for updated, useful and reliable solutions in its products and services that will serve their members well. Board Chairman Jerome Allen states, “We want our members to choose “how” they conduct business with us. From paying for groceries with cell phones to applying for loans or opening accounts from the comfort of their home. But if the member wants to visit a branch, our team is happy to provide that type of personal service, too.”
Ryan Poulin asserts, “New Dimensions doesn’t want to offer just a job to someone, it wants to offer them a career where they can learn and reach their professional goals. NDFCU has staff dedicated to training and career advancement for every employee. This has helped to retain valued, seasoned employees.
Financial Education is one of the key pillars of New Dimensions. Dedicated staff are available to provide members with one-on-one financial counseling. Members can meet with staff to review their credit report and get tips on how to boost their scores, craft an effective household budget, and more. It takes its financial education lessons on the road to local businesses with their Eat, Learn and Prosper program, as free lunch-time classes for the businesses’ employees with lunch provided by NDFCU. Additionally, Financial Educators can be found in classrooms teaching students from Kindergarten through High School with age-appropriate lessons. Deciphering between needs versus wants, how to save money for future goals, and how to use credit responsibly are popular topics. NDFCU has been able to work with hundreds of students both in classroom and through Google Classroom when remote.
Additionally, NDFCU and be credited for its fundraising efforts including their popular Cruise for a Cure Care Show. Fundraising for Ending Hunger Maine, Maine’s Special Olympics and Children’s Cancer Program are also a priority. Similarly, staff members donated over 3,000 hours of their own time in 2020.
CEO Ryan Poulin further adds, “We are in the dream fulfillment business helping people make their dreams come true by giving them the tools they need to be successful.”
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Website Editorhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgWebsite Editor2021-12-08 14:00:132021-12-08 14:00:13New Dimensions FCU gets large business award
On Thursday, December 2, the China Lake Association hosted a two-hour Zoom webinar to present the public with their 10-year plan for the China Lake Watershed. The plan represented work over a two-year period by multiple organizations to survey the China Lake watershed and develop a plan for preserving and improving it.
Stephen Greene
Stephen Greene, president of the China Lake Association, served as moderator for the event. Jennifer Jespersen, owner of the environmental consulting company Ecological Instincts, was the keynote speaker, with Amanda Pratt, of Maine DEP, presenting information about the recent watershed survey and moderating the question and answer session afterwards. Dr. Ken Wagner, a consultant from Water Resources Services, who Jespersen described as a “water professional specializing in the management of internal loading in lakes throughout New England”, was also on hand to answer questions from the audience.
China Lake Association president, Stephen Greene, introduced the evening by saying, “What are we trying to accomplish? In a nutshell, to restore water quality in China Lake, to end recurrent nuisance algae blooms. And why is this important? We all know that China Lake is the drinking water supply for 22,000 people. China Lake is the heartbeat of the community in the region. It is an economic engine. It serves as a large part of the tax base. It is home to people and wildlife in our community. It is a center of recreation.”
The previous watershed plan, formulated in 2008, was out of date, Jen Jespersen explained, and in order for local groups that do important restoration work in the watershed to apply and receive grants, the watershed plan must be updated every 10 years.
Jespersen began her presentation by explaining some of the problems China Lake is facing now and historically, along with reviewing some of the characteristics that make the China Lake watershed unique. Consisting of land in and around China Lake, both the east and west basins, 89 percent of the China Lake watershed sits within the borders of China, with nine percent in Vassalboro, two percent in Albion, and a tiny slice, making up only 0.1 percent, in Winslow. In total, the watershed includes about 27 square miles, with most of that surrounding the east basin (20 square miles). The surface area of the lake is about 6.2 square miles total.
The watershed is the area of land surrounding the bodies of water and determined by the sources that drain into the lake. Most of this area is forested (56 percent), with the remaining being wetlands (19 percent), agricultural areas (12 percent), developed land (11 percent) and roads (2 percent).
Water flows from the north end of the east basin, down the length of China Lake and then into the west basin (also known as the Big Lake), and into Outlet Stream which eventually drains into Sebasticook River and from there into the ocean.
Maximum depth of the lake is 92 feet in the west basin, and 56 feet in the east basin. Average depth across the lake is about 25 feet.
Screenshot taken from the China Lake watershed presentation.
Currently, China Lake is on the state’s list of impaired lakes because of the frequency of algae blooms, because China is considered a “high contact” body of water, and because of the high level of phosphorous and low oxygen levels detected in the lake. Part of the goal of the proposed 10-year watershed plan is to address these problems.
One of the problems China Lake suffers from is a lower than average flush rate. This is the rate at which all of the water in the lake is replaced by new water. Jespersen said that while the average for lakes in the state is between 1-1.5 flushes per year, China Lake is much lower at just .65-.72 flushes per year. This means that when pollutants are washed into the lake, it takes longer for the lake to flush them downstream than other comparable lakes.
Jespersen explained that they have arrived at their recommendations through extensive data collection, including Secchi Disc testing for water clarity at multiple stations around the lake, lakebed sediment testing, the collection of water samples to test for total phosphorus and Chlorophyll-a content, and water column readings, which test for dissolved oxygen in the water and also water temperature. This data is then fed into several data models to identify the best approach for management and restoration.
Algae problems in bodies of water like China Lake are directly related to the nutrient load on the lake. This “load” comes in two varieties: external load and internal load. The external load on the lake refers to the sources of nutrients flowing into the lake from external sources, including leaky septic systems, new land development and runoff from agricultural activity like farming and animal husbandry.
Impact overview of China Lake watershed. Screenshot taken from the China Lake watershed presentation.
The internal load is a bit harder to explain. This is the amount of nutrients already trapped in the sediment at the bottom of the lake. Some of this internal load on the lake is natural, coming from the decomposing bodies of animals, fish and plant matter that settle to the bottom of the lake, but much of it is also due to human activity. Today, there are regulations to manage the leakage of nutrients into the lake from things like land development and septic usage. But that wasn’t always the case. In the past, septic systems leaked directly into the lake, and no effort was made to reduce the influence of land development or agricultural activity on the watershed. Over time, these nutrients drained into the lake and built up in the sediment of the lake bottom, just waiting for the right moment to feed an explosion of new algae growth. That moment came in 1983 with the first major algae bloom, and this incident spurred regulatory changes to prevent it from happening again. But by that time we were already fighting a losing game against the internal nutrient load which had been building for years.
Because of this history, the China Lake Association and its partners must focus on the problem from two fronts, the external load, or the amount of new nutrients being fed into the lake, and the internal load, which refers to the nutrients already stored in the lake as a result of years of development and mismanagement of the lake’s watershed.
Algae blooms cause multiple problems. They can threaten the safety of drinking water for those residents that source their drinking water from China Lake. Blooms also damage the recreational and aesthetic value of the lake, and can negatively impact shoreline property values. Additionally, certain types of algae can be toxic to people and pets who come into contact with them.
The team’s research has suggested that the greatest impact on the west basin (the Big Lake) comes from sources in the east basin, and so dealing with the east basin’s internal load will result in the most improvement across both bodies of water. They have also identified the largest contributors of nutrients into the lake as a way to help formulate a management plan. For example, land used for agriculture makes up only 12 percent of the area of the watershed, but it contributes 38 percent of the nutrients feeding into the lake.
The goal of the proposed plan is to reduce the phosphorous in the east basin by 656 kg/year, a reduction of 7.5 parts per billion (ppb), and to reduce the phosphorous in the west basin by 229 kg/year, a reduction of 2.1 ppb. Currently, the total phosphorous in the lake, according to the ten-year average, stands at 17 parts per billion (ppb). This plan would aim to reduce that to 10 ppb, a significant reduction, which should, based on the data models the team is using, lower the probability of major algae blooms in the lake from 28 percent to 2 percent over the next ten years.
Screenshot taken from the China Lake watershed presentation.
Most of the questions asked by audience members after the presentations centered on the proposed alum treatment to address the lake’s internal nutrient load. This treatment involves adding aluminum sulfate to the lake which prevents the phosphorus in the sediment from being released as nutrients for potential algae blooms. Jespersen says that such a treatment could reduce the phosphorus in the east basin by as much as 90 percent, with an estimated cost of $1,445,000. She emphasizes that more analysis of lake sediment needs to be done to determine correct dosage for the alum treatment, which will also influence total expenses.
Ken Wagner, a consultant with Water Resources Services, addressed concerns about the treatment. While nothing is without risk, he said that aluminum is the second most common metal contained in the earth’s crust (after iron), and is commonly used as a treatment for drinking water. In fact, the companies that provide lake treatments are primarily involved in the treatment of drinking water.
Robbie Bickford, an employee with the Kennebec Water District, jumped on the call to confirm that aluminum is used as part of the KWD water treatment process.
Other proposals, such as oxidizing the lake to raise the dissolved oxygen level, or dredging the lake bottom to remove nutrient-rich sediment, were suggested by audience members. Dr. Wagner said that while such ideas have merit to achieve greater water clarity, both suggestions were discarded because of the enormous costs involved when compared to the expected improvements. An alum treatment is more cost effective, safe, and expected to provide benefits for 20-30 years into the future.
A question was asked about how the recent return of alewives to China Lake might impact water clarity. Dr. Wagner said he doesn’t think there will be a substantial impact either way.
Much more detail and additional information was included in the presentation than could be fit into this article. A recording of the presentation should be available on the China Lake Association website by the time this article is published.
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Eric W. Austinhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgEric W. Austin2021-12-08 13:31:522021-12-22 14:08:00China Lake Association updates public on 10-year watershed plan
One of the primary goals of Scouting is to instill in young people a desire to become participating citizens and foster good citizenship. During Veterans Day, Scouts all over the area were busy working alongside veterans in several projects and events.
Youth and leaders from Augusta Cub Scout Pack #603 and Troop #603 assisted a Veterans Seminar, held at American Legion Post #205. Scouts from Jackman and Boothbay took part in U.S. Flag retirement ceremonies on Veterans Day. Winslow Scout Troop #433 (Boys), Scout Troop #433 (Girls) and Cub Pack #445 all attended the Waterville Veterans Day ceremony at Memorial Park, on the corner of Park and Elm streets, joining veteran groups and others to honor those who answered the call to duty. The ceremony had a presentation of the five branches of the military as well as the POW flag.
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Website Editorhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgWebsite Editor2021-12-01 16:34:592021-12-01 16:40:24Scouts honor veterans at local ceremonies
If you had a chili dog or a cup of chili at the China Baptist Church Hamburger booth at the Windsor Fair….this is where it came from. Pastor Ron saved all the (clean) cans and had everyone build a pyramid with them during Fellowship hour after church Sunday. The booth used four batches of chili every day of the fair. Twenty one years ago a group from the church bought an older office trailer and converted it and built in a kitchen for the fair booth to raise money for the general fund. The church has been doing the fair for 20 years and the booth is staffed by volunteers. Four people, four shifts a day for nine days. Every Thursday of the fair the church’s Boy Scout troop #479 takes over the running of the booth to help out. If you missed us this year be sure and stop by next year.
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Website Editorhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgWebsite Editor2021-12-01 15:49:222021-12-01 15:49:22Beans, beans and more beans!
Webelo Willow Mudie emerges from a willow tunnel at the two-mile point and moved out to complete her three-mile hike. Leading the patrol as the map reader, Willow and her mom were buddies as they completed the outer loop and a modified pond trail at the Viles Arboretum. Family engagement is a key for Scout success and Cub Pack #603, in Augusta, encourages parent participation. Willow is working to complete outdoor requirements while weather allows. (Contributed photo)
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Website Editorhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgWebsite Editor2021-12-01 15:03:352021-12-01 15:03:45PHOTO: Emerging from Willow tunnel
Sharon Nichols receives orchids as thank you gift from Palermo Community Library Board of Trustees. (contributed photo)
The Palermo Community Library Board of Trustees express their deep appreciation for all the time and effort Sharon Nichols has dedicated to the library as a board member and chairman since 2014. As a result of her considerable efforts, she leaves an indelible mark on the Library, both in function and form.
Functionally, she elevated the library’s standards to ensure it has been consistently designated as a certified public library by making sure it was in compliance with all regulations. And with her vision and grant-writing skills, her imprint on the physical form of the library will be enduring. From paving the parking lot and drilling a well, to getting new computers and a 3-D printer. The most impressive marriage of vision and grants, however, was in securing funding to install air conditioning and an automatic generator which resulted in the invaluable community service of providing a Warming, Cooling, and Charging Center for Palermo.
So, while it is with deep regret that the trustees accepted her resignation from the board, it is also with undying gratitude for all she has done in service to the Palermo Community Library
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Website Editorhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgWebsite Editor2021-12-01 14:44:402021-12-01 14:45:31Sharon Nichols steps down from Palermo Community Library Board of Trustees
from left to right, Cindy Sullivan, Regional Center Director for Spectrum Generations, and Michelle and Kyle from Traverse Coffee Co. (contributed photo)
Quarry Tap Room, Traverse Coffee Co. are winners
Spectrum Generations recently held its 3rd annual Pie Crawl in downtown Hallowell.
The Sweet Pie Award was presented to Traverse Coffee Co. and the Savory Pie Award was given to the Quarry Tap Room.
Shaina, left, of Quarry Tap Room, and Cindy Sullivan, Regional Center Director for Spectrum Generations. (contributed photo)
The statistics we hear about scams and fraud are nothing short of staggering and a new AARP survey shows that scams targeting veterans are on the rise. Scammers will stop at nothing to steal veterans’ benefits including pension payments and much more. Please consider the following scams and take a look at the survey results. Of those who lost money, the top scams reported include:
Benefit Buyouts: Turning over U.S. Department of Veterans Affairs (VA) pension and/or disability benefits for a supposed lump-sum payment that never materializes (47%).
Fraudulent records scam: Paying for updated personal military records (32%).
The fake charitable giving request: Donating to fake veteran charities (32%).
Other key findings include:
Military/veteran adults reported losing more money than civilians on the grandparent-impostor scam (more than twice as often) and financial phishing schemes (nearly twice as often).
Nearly half of military/veteran adults reported they are not using a robocall blocking service and over 1 in 4 have not registered their phone numbers on the National Do Not Call Registry.
81% of military/veteran adults have not placed a security freeze on their credit report.
If you are a veteran, you are unfortunately a target, so be mindful of this reality in your day-to-day transactions. Remember that The Veterans Administration will never call you, e-mail or text you to verify or update your information. Only work with VA-accredited representatives when dealing with VA benefits; you can search for them online at the VA Office of General Counsel website.
If you would like a copy of the Veteran’s Edition of the AARP Watchdog Alert Handbook: 10 Ways Con Artists Target Veterans, you can download it for free by visiting www.aarp.org/veterans or call AARP Fraud Watch Network at 1-877-908-3360.
Another important way to protect yourself from scams and identity theft is to place a freeze on your credit report. Identity theft can be devastating because once armed with enough personal information, a scammer can access their victim’s credit report. With access to the credit report, an identity thief can then open a credit card, apply for a loan or even apply for government benefits, all in the name of their victim.
The best way we can protect ourselves from identity theft is to prevent criminals from obtaining our sensitive information in the first place. This is why placing a credit freeze with all three major credit bureaus is considered the most effective way to block identity thieves. When the freeze is in place, our credit reports are protected. Contact the Maine Bureau of Consumer Credit Protection for all the details by calling 800-332-8529 or visiting https://www.maine.gov/pfr/consumercredit/file_freeze_info.htm.
As a veteran, you have protected our country with your service. Now let us help you protect yourself from scams that target veterans and your guaranteed benefits. As with all scams, vigilance is your number one weapon.
Jane Margesson
AARP Maine Communications Director
FMI: Visit www.aarp.org/fraudwatchnetwork or call our toll-free hotline at 1-877-908-3360. It’s free and available to anyone of any age whether you are an AARP member or not.
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Website Editorhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgWebsite Editor2021-11-23 16:52:362021-11-23 16:52:36New AARP survey reveals veterans are more likely to lose money to certain scams than non-military
by Robbie Bickford,
Water Quality Manager,
Kennebec Water District
The Kennebec Water District (KWD) will be hosting a public informational meeting at 5:30 p.m., on Wednesday, December 1, 2021, at the KWD Water Treatment Plant, at 462 Main Street, in Vassalboro, to review the Forest Management Plan and the South Narrows Peninsula Harvest Plan. These are available for review on our website at: www.KennebecWater.org/Source.
China Lake (or “the Lake”) has been the sole source of supply for KWD since 1905. When the Lake was first used for drinking water, the land around the West Basin was heavily impacted by livestock pasturing and other agricultural activities. In 1909, seeing increasing development around China Lake, KWD began purchasing the shorefront land around the West Basin to protect the drinking water supply. Subsequently, thousands of trees were planted to reforest areas previously cleared for agricultural use.
Today, KWD owns approximately 344 acres of forested land in the China Lake watershed consisting of a nearly continuous, approximately 200-foot-wide, strip of land surrounding the West Basin and two larger plots of land known as the North and South Narrows Peninsulas.
To ensure that KWD’s watershed lands are managed to prompt the highest possible water quality in the Lake, KWD has contracted with Comprehensive Land Technologies, Inc. (CLT), of China, to assess the health of the forested land and develop a Forest Management Plan. Parts of this plan provide recommendations for improving the health of the forest through selective harvesting to prompt an uneven-aged, mixed species forest.
An uneven-aged, mixed species forest has been found to be the most effective buffer to limit erosion and to trap nutrients and contaminants in runoff as well as providing a more resilient forest to a multitude of pests and other adverse conditions.
In winter of 2021-2022 KWD anticipates conducting a selective harvest of the South Narrows Peninsula stand to promote new healthy growth and develop an uneven-aged, mixed species forest. This harvesting will have the primary goal of protecting and enhancing the water quality of the Lake as its focus and any harvesting activities will strictly adhere to industry “Best Management Practices” to minimize the impact on the land and lake water quality.
As always, KWD is committed to preserving and enhancing the water quality of China Lake and this approach to active forest management is the next step in the long line of efforts to achieve this goal. Any questions about the public informational meeting on December 1, 2021, or KWD’s efforts in the China Lake Watershed can be directed to RBickford@KennebecWater.org.
https://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpg00Website Editorhttps://townline.org/wp-content/uploads/2016/06/TownLineBanner.jpgWebsite Editor2021-11-23 16:48:512021-11-23 16:48:51Managing lands for high quality water: Kennebec Water District’s Watershed Management