Phishing is a technique that involves tricking users into thinking they’re at confidential site in order to steal the user’s confidential information, passwords, etc.

Recently we have been made aware that consumers (not necessarily members of EECU) have received emails purporting to be from EECU. The return address of the email is a btconnect.com address, and the email reads:

You have received this email because you or someone have tried to access your account from different locations.

In order to safeguard your account, we require that you confirm your EECU Credit Union online account details.

As a precaution, we have limited access to your EECU Credit Union account in order to protect against future unauthorized transactions.

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If this is not completed by September 26, 2016, we will be forced to close your account.

We thank you for your prompt attention to this matter.

EECU Credit Union Service

If you receive a similar email, DO NOT click on the link or provide any of your personal information. This is a phishing attempt and the linked site could potentially contain malware.

If you have received the email, clicked the link and provided your personal information, please contact us immediately at 817-882-0800 or visit your nearest branch so we can take appropriate action on your account.

As a reminder, EECU will never send you an email that requires you to enter personal information. Whether you access eecu.org using a link or by typing eecu.org into the browser, you should always verify that you are on a legitimate site by looking for https://www.eecu.org in the address bar and verifying the security of the site.

 

9 Tips to Prevent Phishing Attacks

Phishing is a technique that involves tricking the user into thinking you are a confidential site to steal confidential information, passwords, etc.

So far hackers have used emails to launch this type of attack, but with the widespread use of social media networks and smartphones with internet access, the types of attacks are multiplying.

These emails include a link that takes the user to site known to have a confidential website, but they’re mere mimics with zero confidentiality. Often, the links are to sites with domain names that are slightly different, but very close to, the domain of a known site (e.g. www.sitename.com vs. wwwsitename.com)

Thus, overconfident users who do not have adequate antivirus protection or who are not aware of the slight changes in the domain name of included links, could be involved in attacks that are aimed to steal personal data.

And because of the economic crisis which is unfortunately affecting several countries, phishing attacks are attracting people with the promise of a great job or an easy way to get money.

The question is … How can we prevent this type of phishing attack? 

9 Tips to Prevent Phishing Attacks

1. Learn to Identify Suspected Phishing Emails

There are some qualities that identify an attack through an email:

  • They duplicate the image of a real company.
  • Copy the name of a company or an actual employee of the company.
  • Include sites that are visually similar to a real business.
  • Promote gifts, or the loss of an existing account.
2. Check the Source of Information From Incoming Mail

Your financial institution will never ask you to send your passwords or personal information by email. Never respond to these questions, and if you have the slightest doubt, call your financial institution directly for clarification.

3. Beware of Clicking on Links Included in Emails

Be aware of the destination pages of hyperlinks or links attached in emails you receive. Links could direct you to fraudulent websites. If you’re checking emails on a computer, inspect the links before clicking on them by hovering over the link with your mouse pointer and looking at the destination URL that shows up at the bottom corner of your screen/browser window. If you use an Apple mobile device to check emails, you may be able to inspect the links before following them by pressing and holding your finger on the link – this may bring up an options menu that allows you to view the link destination, and open or copy the link (iOS/Apple devices only).

Typing the financial institution’s known URL (for example, www.eecu.org) directly into your browser or using bookmarks/favorites if you want to get there faster, may be a good idea.

4. Enhance the Security of Your Computer

Common sense and good judgement is as vital as keeping your computer protected with a good antivirus to block many types of attacks.

In addition, you should always have the most recent update on your operating system and web browsers.

5. Enter Your Sensitive Data in Secure Websites Only

In order for a site to be ‘safe’, it must begin with ‘https://’ and your browser should show an icon of a closed lock.

6. Periodically Check Your Accounts

It never hurts to check your bank accounts periodically to be aware of any irregularities in your online transactions.

7. Phishing Doesn’t Only Pertain to Online Banking

Most phishing attacks are against financial institutions, but can also use any popular website to steal personal data such as eBay, Facebook, PayPal, etc.

8. Phishing Knows All Languages

Phishing knows no boundaries, and can reach you in any language. In general, they’re poorly written or translated, so this may be another indicator that something is wrong.

If you never you go to the Spanish website of your financial institution, why should your statements now be in this language?

9. Have the Slightest Doubt, Do Not Risk It

The best way to prevent phishing is to consistently reject any email or news that asks you to provide confidential data.

Delete these emails and call your financial institution to clarify any doubts.

 

 

Originally published by Panda Security, February 21, 2016
Edited and re-published by EECU, August 23, 2016

The FAFSA is Changing This Year

People starting college in the fall of 2017 probably haven’t yet decided where they’re going to school, let alone figured out how much money they’ll need to do it, but it’s almost time to start applying for financial aid. In the past, students and their families could turn in the Free Application for Federal Student Aid (FAFSA) starting Jan. 1 of the year they’ll need the aid, but that date has been moved up.

It’s coming up quickly, too. For the 2017-18 academic year, people can turn in the FAFSA as early as Oct. 1, 2016. That’s in less than 3 months.

Why So Early?

Before we get into the specifics of this change, it’s important to point out why you’d want to turn in the FAFSA so early. Figuring out how you’re paying for college is one of those “the sooner, the better” kind of things. Though the application has “federal” in the name, states and schools also use the FAFSA to dole out financial aid, and every state and school has different ways of doing that. Some distribute aid on a first-come, first-served basis, so the longer you wait to turn in your FAFSA, the lower your chances of receiving assistance.

With that sort of pressure, you’d think college-bound people (or their parents) would greet the stroke of midnight with a toast of “Happy New Year! But first, FAFSA.” It doesn’t tend to happen that way, for a few reasons. First, a lot of people don’t realize how important it is in getting financial aid, or they assume they won’t qualify for aid, so they don’t bother with the paperwork. (Insert “you won’t know if you never try” cliche here.) In addition to the common mistakes of not knowing deadlines or underestimating the importance of the FAFSA, people put it off because they think they won’t have all the information they need to complete it until after they’ve filed their taxes.

For example: The FAFSA for the 2016-17 school year required applicants to enter their income information from the 2015 tax year. The deadline for submitting your 2015 income tax return was April 18, 2016. At that point, the FAFSA deadline in many states had passed, or states had already awarded all available aid. How could an application that requires 2015 tax information come due before your 2015 taxes, you ask? You can estimate your financial information on the FAFSA, allowing you to turn in the application before you file your taxes, which is something a lot of people may not realize.

Yes, it’s confusing, which brings us to the new policies coming in a few months.

What Changed?

For the 2017-18 academic year, students and their families will use their financial information from the 2015 tax year to fill out the FAFSA. The idea is that this will make it easier to fill out the form earlier. It also allows more people to take advantage of the IRS Data Retrieval tool. It transfers your tax information to the FAFSA, but because many people have traditionally filled out the FAFSA before completing their taxes, that tool hasn’t been as helpful as it could be.

“This will simplify the FAFSA, cutting about a page of questions from the form,” Mark Kantrowitz, said in an email to Credit.com. Kantrowitz is a financial aid expert and publisher and vice president of strategy at Cappex, an online platform for researching colleges and scholarships. “Also, any data element that is transferred unmodified from the IRS will not be subject to verification … This is especially important for low-income students, who often have difficulty completing verification.”

What You Need to Know Before October

The Education Department recommends filling out the FAFSA online, but you can also fill out a PDF version (you submit that through the mail) or request a paper form be sent to you. You also need a federal student aid ID (FSA ID) to sign your FAFSA, and it can take up to 3 days after registering for your FSA ID before you can use it to sign your application.

You still don’t need to have filed your taxes in order to fill out the FAFSA (though it’s easier that way, with the IRS Data Retrieval tool), and you also don’t have to know where you’re going to school. You can list a college on your FAFSA, if you want them to receive your FAFSA, even if you haven’t yet decided if you’re applying there. Keep in mind you have to fill out the FAFSA every year you’re applying for aid, as well, so for people who have gone through this process before, now you can start it earlier.

“The switch to prior-prior year also increases the amount of time available to apply for financial aid, from 18 months to 21 months,” Kantrowitz said. He said he hoped the earlier availability of the form would lead to more low-income students filing their FAFSAs early, consequently allowing them to qualify for more state aid.

Changes to how people apply for federal student aid hardly solves the burden of rising education costs and the ever-growing student loan debt in the U.S., but they simplify a process that many people find intimidating.

Of course, paying for college goes beyond this single form. Figuring out how much you can afford to spend (and borrow) to get a degree can be really tricky, but it’s important that students and their families consider the future cost of these decisions. Student loans have a significant impact on borrowers’ credit scores (you can see just how much by reviewing two of your free credit scores each month on Credit.com), and falling behind on loan payments can seriously damage your financial stability. You can read more about options for paying for college or repaying student loan debt here.

creditdotcom

Article courtesy of Credit.com, Christine DiGangi – July 19, 2016

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With a personal loan from EECU, you can get a low monthly payment and use the extra money to consolidate debt, fix up the house, take a summer vacation or to cover unexpected expenses! For example, with a rate as low as 5.99% APR, you can get a loan up to $10,000 and pay as little as $194** a month. Terms are flexible and the process is simple. Learn more and apply online today at eecu.org/simplify.

 


*APR=Annual Percentage Rate. The APR ranges from 5.99% to 16.99%.
** Payment estimates are based on an APR of 5.99% for a 60-month term on a $10,000 loan. Your actual loan amount and payment terms may vary. Membership required – membership information available at eecu.org. Subject to credit approval. By applying, you certify that all information provided by you at the time of acceptance is true, correct, and complete and that you are (a) at least 18 years of age and legally able to enter into a contract for the extension of credit and (b) a U.S. citizen or permanent resident. Must complete and return all required documents within the same business day received in order for money to be deposited into an EECU share or checking account. Same day deposit does not apply for special account requests or EECU direct pay to creditors.

NAFCU warns about a KrebsOnSecurity report that CiCi’s Pizza, a Texas-based restaurant chain with more than 500 locations in 35 states, has been hit by a credit card data breach.

UPDATE as of July 16, 2016:

Cici’s Pizza, a Coppell, Texas-based fast-casual restaurant chain, today acknowledged a credit card breach at more than 135 locations. The disclosure comes more than a month after KrebsOnSecurity first broke the news of the intrusion, offering readers a sneak peak inside the sprawling cybercrime machine that thieves used to siphon card data from Cici’s customers in real-time.

In a statement released Tuesday evening, Cici’s said that in early March 2016, the company received reports from several of its restaurant locations that point-of-sale systems were not working properly.

“The point-of-sale vendor immediately began an investigation to assess the problem and initiated heightened security measures,” the company said in a press release. “After malware was found on some point-of-sale systems, the company began a restaurant-by-restaurant review and remediation, and retained a third-party cybersecurity firm, 403 Labs, to perform a forensic analysis.”

According to Cici’s, “the vast majority of the intrusions began in March of 2016,” but the company acknowledges that the breach started as early as 2015 at some locations. Cici’s said it was confident the malware has been removed from all stores. A list of affected locations is here (PDF).

Read More>


ORIGINAL article on June 7, 2016:

Krebs said it appears hackers stole credit card data from certain restaurants “by posing as technical support specialists for the company’s point-of-sale provider.” Krebs noted that more than six financial institutions had contacted the blog with concerns about CiCi’s after detecting a pattern of fraud on cards that had been used there during the last few months.

CiCi’s told Krebs that an outside public relations firm is handling “the issue.”

Krebs also followed up a tip that the breach could have been connected to CiCi’s POS provider Datapoint, which denied the connection and said that hackers had posed as specialists from multiple POS providers.

As a reminder, if you purchase food from CiCi’s Pizza using a credit and/or debit card, be sure to monitor your account. If you notice suspicious activity, contact us immediately at 817-882-0800.

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You’re invited to join us for a special EECU Member & Teacher Appreciation Night to cheer on the Texas Rangers at the ballpark with discounted ticket pricing!

When: 
Tuesday, June 21, 2016TicketPriceTable
7:05 p.m.

Where:
Globe Life Ballpark
Home of the Texas Rangers

Tickets:BuyTickets

Receive deep discounts!
Select the June 21st game
Enter Coupon Code: EECU
during checkout

The Texas Rangers will be taking on the Cincinnati Reds at home with deeply discounted ticket prices for teachers, EECU members and their family & friends. Plus, if you’re one of the first 15,000 attendees through the gates for the game, you will receive a free TX Rangers yearbook (gates open at 5:00 p.m.).

We hope you can join us on Tuesday, June 21 as we welcome summer and celebrate teachers, EECU members and family & friends to cheer on the Rangers at the ballpark.

In our continuing efforts to ensure the security of member accounts, on June 8, 2016, we are improving our debit card fraud notification system to include free text messaging and enhanced email messaging.

Here’s how it works. When potential debit card fraud is detected:

  1. The debit cardholder will receive an automatic email notification, with links to indicate if all transactions in question are authorized or if one or more are not.
  2. The debit cardholder may also receive a free text message to his/her mobile device that will allow him/her to respond via text to confirm or deny fraud.
  3. If we do not receive a response from the debit cardholder within a few minutes of sending the text, the cardholder will receive an automated phone call to confirm or deny fraud using the keypad on your phone.

For questions about the enhanced fraud notification system, please contact us at 817-882-0800. Remember, our messages will never ask for your PIN or account number. If you ever receive a request for this information, the message is NOT from EECU.

Improving the security of member accounts is one more way we provide A Better Way of Banking®.

 

2016 EECU Mayfest RunAs the title sponsor of this year’s EECU Mayfest Run, we are working with our partner companies to raise funds to support Cook Children’s Medical Center in their efforts to advance patient care and provide hope to thousands of children and their families.

Through a Patient Partner Program, we have paired five Mayfest runners with five Cook Children’s patients to allow the participating children to “cross the finish line” with assistance. Thanks to the runners’ support and encouragement, what could be a difficult task of participating in this race for the patients, can instead become a moment they’ll never forget.

“A willing and able runner giving a supportive hand to a child in need is more than symbolic,” said Lonnie Nicholson, EECU President and CEO. “It is an express commitment that we can all help our communities and in particular those in our communities who are most vulnerable. We are pleased we can support the Mayfest charities as well as well as this year’s patient-runner teams to benefit Cook Children’s.”

Fundraising efforts will help patients like 6 year old Matty, 11 year old Alex, and thousands of other Cook Children’s patients. Read Matty and Alex’s stories and donate today at eecu.org/donate.

Pictured Left to Right: Lonnie Nicholson (EECU President & CEO), Kiana Headland (Alvarado High School), Christian Turnley (Keller High School), Emily Hailey (Fort Worth Christian School), Sydney Peel (Colleyville Heritage High School), Frank Molinar (White Settlement ISD Superintendent and EECU Board Member), Deanna Pierce (Richland High School).
Pictured Left to Right: Lonnie Nicholson (EECU President & CEO), Claire Hamilton (Kennendale High School), Makenna Barbara (Arlington Heights High School), Wyatt Reeves (R.L. Paschal High School), K’see Shae Clark (Blum High School), Adam Thomas (Timber Creek High School), Frank Molinar (White Settlement ISD Superintendent and EECU Board Member), Ethan Sii (Decatur High School).

On Tuesday, March 22, EECU announced the 2016 Glenn Mandeville Memorial Scholarship winners at its annual meeting. EECU awarded $30,000 in scholarships to support six local graduating high school students with their college expenses. The EECU Scholarship Program began 28 years ago and honors former board member Glenn Mandeville, a life-long educator. Since that time, EECU has awarded more than $450,000 in scholarship money to local students.

“EECU has a deep affinity for supporting education,” said Lonnie Nicholson, EECU President and CEO. “Higher education can be an essential springboard to building productive lives, but unfortunately, college expenses also can be a significant burden. EECU is proud to be able to recognize and financially assist these deserving students, and we wish them tremendous success in their academic pursuits.”

The following six students were names as recipients of the $5,000 scholarships for 2016:

  • Makenna Barbara, Arlington Heights High School – plans to study Environmental Engineering at Texas Christian University
  • K’see Shae Clark, Blum High School – plans to study Elementary Education at Stephen F Austin State University
  • Claire Hamilton, Kennedale High School – plans to study Spanish Education at East Texas Baptist University
  • Wyatt Reeves, R.L. Paschal High School – plans to study Physics and Computer Science (school to be determined)
  • Ethan Sii, Decatur High School – plans to study Biology at University of Alabama
  • Adam Thomas, Timber Creek High School – plans to study Vocal Performance or Music Education (school to be determined)

Congratulations to the 2016 Scholarship winners!

Choosing a Tax PreparerTax season is in full swing. Looking for the perfect tax preparer can be a daunting task, and unfortunately, there’s no one size fits all with this search. Below are a few tips to help you figure out how to find the best tax preparer for you. The key, as with hiring any professional, is to ask questions. Lots of questions. And not just about pricing. Here are 12 recommended questions to ask a potential tax preparer:

  1. Do you have a PTIN (Preparer Tax Identification Number)?This should be your first question. Anyone who prepares federal tax returns for compensation must have a valid 2016 PTIN before preparing returns. Without a PTIN, a tax preparer is not allowed to prepare your return – this isn’t something you want to find out at the end. You can check out PTIN qualifications on your own by using the Internal Revenue Service (IRS) online PTIN directory.
  2. What is your tax background?A slew of letters following a name on a business card doesn’t necessarily mean more qualified. It can mean that the person has passed certain tests or has specific tax training. So ask what those letters mean – and how they would relate to the preparation of your return. Don’t be blinded by the alphabet soup. Here’s a quick guide to help you sort it out in advance:
    • A certified financial planner (CFP) is a designation for financial planners given by the Certified Financial Planner Board of Standards. A CFP must meet certain education requirements, pass an exam, have experience in the field, pass fitness standards and pay a certification fee: the coursework and exam do have tax and tax planning components as determined by the Board. A CFP may have tax experience but tax may not necessarily be the focus of their practice.
    • A certified public accountants (CPA) is certified by the state to act as a public accountant. All CPAs are accountants but not all accountants are CPAs.To qualify as a CPA, candidates are required to pass an exam. Most states also require an ethics exam or course as well as continuing education credits. A CPA may specialize in tax but not necessarily: there’s a wide range of CPA services including accounting, auditing, financial planning, technology consulting and business valuation.
    • An enrolled agent (EA)has earned the privilege of representing taxpayers before by either passing a three-part comprehensive IRS test or through experience as a former IRS employee. EA status is the highest credential the IRS awards. EAs must adhere to ethical standards and complete 72 hours of continuing education courses every three years.
    • AFSP (Annual Filing Season Program) participants are non-credentialed return preparers who have met voluntary requirements established by IRS. Those requirements include 18 hours of continuing education, (includes a six-hour federal tax law refresher course with an exam). AFSP participants who have met the criteria receive a Record of Completion and are included in a public database of return preparers on the IRS website.
    • A JD (Juris Doctor) is a law degree: having a JD means that you’ve graduated from law school but does not always mean you’ve passed the bar exam. An LLM (Master of Laws) is a second law degree, kind of like a specialty (though ethics rules in many states won’t allow you to say that). An LLM could be focused on taxation but may not be (you could have an LLM in Trial Advocacy, for example). As with a CPA, JD candidates are required to pass an exam, an ethics exam or course and take continuing education credits. Having a law degree or two doesn’t necessarily mean that an attorney prepares returns or has tax experience (you don’t have to demonstrate competence in tax law to pass the bar in most states). Avoid a lawyer who promises to do your taxes, get you out of that DUI and help you with your divorce all in the same breath.
    • A Volunteer Income Tax Assistance (VITA)volunteer is trained by the IRS to prepare basic returns.
    • Other accountants, bookkeepers, and tax preparers may be able to demonstrate competence but may not have formal credentials. That doesn’t mean you shouldn’t give them a look. Ask about what they do and why they’re qualified to do it.
  3. Have you prepared a (fill in the blank) tax return before? There’s no one size fits all – that’s because tax returns are not all the same. Some tax preparers can do forms 1040-EZ in their sleep. Others are fluent in Schedules C (business) and/or E (rentals). Some may focus on pass-through entities, tax-exempt organizations or fiduciary returns. Tax preparers may focus on international taxpayers and expats or small businesses. There are as many variations as there are schedules and forms. It’s not uncommon for tax preparers – especially those that have been around for a while – to have a pretty wide scope of knowledge. But nobody can do it all and don’t trust anyone who tells you otherwise. If you have special circumstances because of your investments, occupation or residency status, find a tax preparer who has experience with your specific situation.
  4. Do you know the requirements of the states and localities where I am required to file?Yes, federal income taxes know no boundaries – those rules don’t change from one state to the next. But that’s not true when it comes to states and localities. Your state or locality may have quirky filing requirements, especially for business owners. It can get even more complicated if you’ve moved from state to state during the year or if you live in one state and work in another. You may also need special guidance if you own a business or real estate in a state outside of your residency or if you are the beneficiary of a trust or estate in another state. Make sure that your preparer knows – and can handle – all of those filing requirements.
  5. What records and other documentation will you need from me? While you shouldn’t be expected to haul in the contents of your entire home office, a reputable preparer should insist that you provide your forms W-2, 1099, 1098and other verification of income and expenses in order to prepare a proper return. You shouldn’t use a preparer willing to e-file your return just by using a pay stub (that’s against IRS rules). A tax preparer should be able to explain what will be needed for special schedules, forms or circumstances. If a preparer isn’t inclined to do the necessary due diligence (especially for something like the Earned Income Tax Credit) in the beginning, it should give you pause about what other corners the preparer might be willing to cut later – at your expense.
  6. How do you determine your fees?Note the wording on this one. This doesn’t say ask how much the fees would be but how the fees are determined. Prices may vary based on the complexity of your return, whether you require additional schedules (such as dividend and interest on Schedule B, business information on Schedule C, capital gains and losses on Schedule D and/or rental income and losses on Schedule E); supporting forms (such as those for the child tax credit or additional charitable donation information); or whether your return has out of the ordinary line items (like Roth IRA conversions). Some preparers offer reduced costs for federal return but add on for state and local returns: make sure you understand the total cost. Finally, be wary of preparers who base their fee on a percentage of your anticipated refund: they have a financial incentive to encourage inappropriate credits and deductions.
  7. What about the extras?There’s nothing wrong with paying for the extras: just make sure that you know what those might be ahead of time. When asking about fees (see #6), be sure to ask about the cost of extra services, like the cost to fix any mistakes or to file electronically (see #7). A tax preparer should not charge you extra for a copy of your return when the return is prepared (though charging you extra for additional copies may be appropriate).
  8. Can I file electronically?More than 1 billion individual tax returns have been processed since the debut of electronic filing in 1990. It’s the fastest way to get your refund and tends to result in fewer math errors. It may also be required: a paid preparer who prepares and files more than ten client returns must generally file returns electronically unless the client opts out.
  9. Who will sign my return?Remember that your preparer must have a PTIN (see again #1). The PTIN and the preparer’s signature need to appear on your tax return. Don’t trust a preparer who refuses to sign a return or asks you to sign as self-prepared.
  10. When will I receive a copy of my return?It’s not unreasonable to leave your preparer’s office without a copy of your completed return; assembly may be required. However, you should receive a complete copy of your return within a reasonable amount of time following your appointment. If your preparer can’t offer a window of time to expect the copy, it might be indicative of a time management problem. If your preparer can’t promise you a copy at all, run, don’t walk away: you will need a copy for your own records.
  11. How do I find you if I have a question or a problem after tax season is over?Be wary of tax preparers with shops that pop up on street corners during tax season and then go missing for half the year. Clients often receive requests from taxing authorities for additional information in October or November: make sure that you know how to contact the tax preparer after your return has been filed. If your tax preparer won’t be around, consider taking your business elsewhere.
  12. What happens if I get audited?Nobody wants to think about an audit when filing a return. But you need to ask: find out how the tax preparer handles audits or examinations from IRS. Will he or she respond to those questions? Can the tax preparer represent you in front of IRS or Tax Court? Remember that attorneys, CPAs, and Enrolled Agents are the only tax professionals with unlimited representation rights, meaning they can represent their clients on any matters including audits, payment/collection issues, and appeals in front of the IRS. AFSP participants have limited representation rights, meaning they can represent clients whose returns they prepared and signed, but only before revenue agents, customer service representatives, and similar IRS employees, including the Taxpayer Advocate Service. For 2016, PTIN holders without an Annual Filing Season Program – Record of Completion or other professional credential are only be permitted to prepare tax returns. That doesn’t have to be a deal breaker (there are professionals who focus on audits if you need to hire someone later) but you should understand the scope of services and representation before you agree to become a client.

This is a long list. But don’t feel self-conscious about asking lots of questions: most of these require pretty simple answers. Choosing a good tax preparer does require a little bit of research and effort on your part but it’s worth it. And admit it: you asked at least this many questions when finding a hairdresser or a pediatrician. Just as you wouldn’t dream of going to a different doctor every year or skipping from one auto mechanic to the next, you’re looking for constancy. The goal of hiring a tax preparer isn’t to find someone who can merely fill out a form this year but to establish a professional relationship. A good tax preparer wants that, too, and won’t mind answering your questions.

Article sourced from Forbes.com, Jan. 18, 2016 (edited)