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Navigating the Festive Minefield: The 12 Scams of Christmas and How to Protect Your Holiday Cheer

Stay safe this festive season with our expert guide to the 12 most common Christmas scams. Learn how to identify phishing, charity fraud, and social media schemes to protect your wallet.

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The Festive Season’s Dark Side: Navigating the 12 Scams of Christmas

As the winter frost begins to settle and the glow of holiday lights fills the streets, a more sinister transformation takes place in the digital shadows. For cybercriminals and professional fraudsters, the holiday season is not a time for rest, but a peak period of productivity. Recent data from the Federal Bureau of Investigation’s Internet Crime Complaint Center suggests that financial losses during the final quarter of the year often surge by over 20 percent compared to other periods. This spike is driven by a sophisticated array of tactics designed to exploit the urgency, generosity, and occasional distraction that characterize the holiday shopping rush. Understanding these threats is the first step in safeguarding your financial well-being during the most expensive time of the year.

1. The Shipping Notification Deception

With billions of packages crisscrossing the globe, scammers leverage delivery anxiety to steal credentials. Victims receive a text message, often referred to as smishing, claiming a package is held due to an incomplete address or an unpaid customs fee. The link provided leads to a perfectly cloned website of a major courier like FedEx or UPS. Once a user enters their credit card details to pay a nominal redelivery fee, the attackers capture the data for high-value unauthorized purchases. Experts advise always checking the URL and using official apps to track shipments rather than clicking unsolicited links.

2. Social Media Bait-and-Switch Ads

Social media platforms have become a breeding ground for fraudulent retailers. These scammers create short-lived ad campaigns featuring high-demand items, such as the latest gaming consoles or designer apparel, at prices that defy market logic. These ads often lead to ghost stores. After the payment is processed, the store disappears, and the social media account is deleted. In some cases, victims receive a completely unrelated, low-value item to provide a fake tracking number that complicates the credit card dispute process.

3. The Secret Sister Social Media Scam

What appears to be a heartwarming gift exchange on Facebook is actually a mathematical impossibility and a legal liability. The Secret Sister scheme promises that participants will receive up to 36 gifts in exchange for sending one ten dollar item. In reality, this is a classic pyramid scheme. It relies on a constant stream of new recruits, and eventually, the bottom of the pyramid loses their money. Furthermore, the practice requires participants to post their personal home addresses in public forums, opening the door to privacy risks.

4. Exploitative Fake Charities

The spirit of giving is a vulnerability that scammers are quick to exploit. Bogus charities often emerge during the holidays, using names that are subtly different from established organizations. They use high-pressure tactics, often via telephone or unsolicited emails, asking for immediate wire transfers or cryptocurrency donations. Journalistic investigations have shown that almost none of the funds collected by these fake entities ever reach a charitable cause. Always verify a charity via independent watchdogs before donating.

5. The Gift Card Payment Mandate

Gift cards are for gifting, not for paying bills. Scammers posing as IRS agents or utility company representatives will claim that you have an urgent debt. They insist that the only way to resolve the matter and avoid arrest is to purchase gift cards and read the numbers over the phone. This method is preferred by criminals because gift cards are nearly impossible to trace. Legitimate organizations will never demand payment via a retail gift card.

6. Emotional Manipulation: The Grandparent Scam

During the holidays, when family is top of mind, scammers target the elderly with emergency calls. Using voice-cloning AI or high-pressure scripts, they pretend to be a grandchild who has been involved in an accident or arrested while traveling. They beg the victim not to tell other family members and to wire money for bail immediately. This scam plays on deep emotional bonds, often resulting in devastating financial losses for seniors.

7. The Puppy and Pet Scams

The dream of a new pet under the tree is a frequent starting point for fraud. Scammers post listings for non-existent puppies on classified sites. They build rapport with the buyer, sending stolen photos, and then demand payments for specialized climate-controlled shipping or mandatory vaccinations. Once the money is sent via a non-refundable method, the seller vanishes, leaving the family without a pet and without their savings.

8. Malicious Holiday E-Cards

While digital cards are an eco-friendly way to spread cheer, they are often used to deliver malware. Clicking an Open My Card link from an unknown sender can trigger the download of a keylogger, which records every keystroke you make, including bank passwords. Modern malware can sit dormant on a device for months, collecting data before being activated by the hacker during a peak transaction period.

9. Fraudulent Seasonal Job Postings

As retailers scramble for help, scammers post fake remote-work or seasonal positions on legitimate job boards. These listings are designed to harvest personal information. During the onboarding process, victims are asked to provide their Social Security number and bank account details for payroll. In some variations, the employer sends a fake check to purchase home-office equipment, asking the victim to wire the extra funds back to a supplier before the check bounces.

10. Look-alike and Typosquatting Websites

Consumer beware: scammers register domains that are common misspellings of popular brands. These sites are designed to look identical to the real ones. If you do not notice the typo in the URL, you might provide your login credentials and credit card information directly to a criminal database. Always type the URL manually into your browser rather than clicking links in emails.

11. Unsecured Public Wi-Fi Risks

Shoppers often use mall Wi-Fi to compare prices online. However, hackers can set up Evil Twin hotspots with names like Free Mall Wi-Fi. When you connect, they can intercept all data sent from your phone. If you make a purchase while connected, they have your credit card number. It is essential to use a Virtual Private Network or use your cellular data for any financial transactions.

12. The Fake Prize and Unclaimed Credit Pop-ups

As you browse, a window might appear claiming you have won an Amazon gift card or that you have unclaimed loyalty points expiring soon. These pop-ups lead you to a survey site that asks for extensive personal information. At the end, you are asked to pay a small shipping fee for your prize. This is simply another way to capture credit card data and sell your profile to marketing aggregators.

How to Protect Yourself This Season

Vigilance is the most effective tool against holiday fraud. Financial experts recommend using credit cards rather than debit cards for all holiday shopping, as credit cards offer robust federal protections against fraudulent charges. Additionally, enabling multi-factor authentication on all financial accounts adds a critical layer of security. If you suspect you have been targeted, report the incident to the FTC and contact your bank immediately. By staying informed and skeptical, you can ensure that your holiday remains merry and secure.

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Who Gets to Decide Where B.C. Builds? Conservatives Move to Return Housing Power to Municipalities

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Who Gets to Decide Where B.C. Builds? Conservatives Move to Return Housing Power to Municipalities

By Chad Dashly | The Current | November 5, 2026

For years, British Columbia’s housing debate has been dominated by one central question: Who should decide how our communities grow?

Under David Eby’s NDP government, municipalities were directed to increase density, approve more housing and accommodate development through sweeping provincial legislation.

Now, with Lorne Doerkson preparing to take office, that approach is facing a fundamental reversal.

The incoming Conservative government has signalled its intention to roll back two significant pieces of NDP housing legislation: Bill 43, which established provincial housing targets through the Housing Supply Act, and Bill 44, which introduced mandatory small-scale, multi-unit housing requirements.

The political message is unmistakable.

Housing decisions should be made closer to home.

But the bigger question is whether returning authority to municipalities will help solve British Columbia’s housing crisis — or simply replace one set of problems with another.

Victoria’s One-Size-Fits-All Experiment

The NDP’s housing reforms were introduced in 2023 to address a legitimate problem.

British Columbia needed more homes, and many municipalities were struggling to approve new housing quickly enough.

Bill 44 required qualifying residential properties to accommodate three or four homes, and in certain locations near frequent transit, as many as six.

The Housing Supply Act gave the province authority to establish housing targets for selected municipalities and intervene when progress fell short.

The objective was to increase housing supply by removing local zoning barriers.

On paper, the argument made sense.

More housing opportunities should eventually mean more supply, more competition and better affordability.

But British Columbia is not one giant municipality.

What works in downtown Vancouver does not necessarily work in Williams Lake, Kamloops, Kelowna or Prince George.

Communities have different infrastructure capacities, transportation systems, geography and economic realities.

A neighbourhood cannot accommodate unlimited development simply because the provincial government changes the zoning rules.

Someone still has to provide the roads, water, sewer capacity, schools and emergency services.

And those costs don’t disappear because Victoria passes legislation.

Municipalities Push Back

Local governments have raised concerns about the challenges created by provincial housing mandates.

Sarrah Storey, president of the Union of British Columbia Municipalities, has welcomed the incoming government’s commitment to renew its relationship with local governments and emphasized the importance of meaningful consultation.

Surrey Mayor Doug McCallum has also supported returning more planning authority to elected municipal councils.

Their position reflects a fundamental principle of local government.

Municipal councils are elected to make decisions about their communities.

They understand their infrastructure limitations, neighbourhood concerns and long-term development plans.

When provincial governments override those decisions, local accountability becomes blurred.

Residents complain to city hall about decisions that may have been effectively dictated by Victoria.

And municipalities are left trying to explain policies they had limited authority to change.

That is not particularly good governance.

But Local Control Comes With Responsibility

There is another side to this debate, and Conservatives would be wise not to ignore it.

Some municipalities have historically resisted new housing development, particularly in established single-family neighbourhoods.

Restrictive zoning can limit supply and protect existing homeowners at the expense of younger families, renters and first-time buyers.

University of British Columbia housing experts have warned that repealing provincial requirements could slow housing construction and worsen affordability.

They have a point.

Returning decision-making authority to municipalities cannot become an excuse for preventing reasonable development.

Local control must also mean local accountability.

If a municipality refuses to accommodate population growth, delays approvals unnecessarily or consistently rejects viable housing proposals, residents deserve an explanation.

And provincial taxpayers should not be expected to subsidize communities that refuse to plan responsibly for growth.

The challenge for Doerkson’s government is to find the right balance.

Municipalities should determine how their communities grow, but they must also demonstrate that they are prepared to accommodate growth.

The Real Problem Is Bigger Than Zoning

British Columbia’s housing crisis will not be solved simply by repealing legislation.

Nor was it ever going to be solved simply by forcing municipalities to permit more units on residential lots.

Housing affordability is influenced by construction costs, interest rates, development charges, labour availability, infrastructure investment and the cost of land.

A developer can have permission to build six homes on a property and still decide not to proceed because the economics do not work.

That distinction matters.

A zoning approval is not a completed home.

A housing target is not a construction permit.

And a construction permit is not a guarantee that a family will find an affordable place to live.

If the new Conservative government wants to make meaningful progress, it will need to address the economics of housing development alongside municipal planning reform.

That means reducing unnecessary approval delays, improving infrastructure coordination and creating conditions where private builders can deliver housing at prices people can afford.

It also means recognizing that market-driven construction alone will not meet every housing need, particularly for lower-income households.

What This Means for the Interior

For communities across the Okanagan, Thompson, Cariboo and northern British Columbia, the proposed changes could be significant.

Kelowna faces different housing pressures than Vancouver.

Kamloops has different infrastructure challenges than Surrey.

Prince George has different land-use and economic considerations than Victoria.

Giving municipal governments greater flexibility could allow housing policies that better reflect those realities.

But flexibility must be accompanied by results.

A city that wants greater authority over housing development must also accept responsibility for delivering sufficient housing opportunities.

Otherwise, the province risks trading centralized bureaucracy for local obstruction.

Neither outcome will help the young family trying to purchase its first home or the senior struggling to afford rent.

A Chance to Get Housing Policy Right

Doerkson’s proposed housing reset represents one of the clearest policy differences between the incoming Conservative government and the outgoing NDP administration.

The NDP believed stronger provincial intervention was necessary to overcome local barriers.

The Conservatives believe municipalities and residents should have greater control over how their communities develop.

Both positions have legitimate arguments behind them.

But British Columbians are less interested in which level of government wins the jurisdictional argument than whether housing becomes more affordable.

The Conservatives have an opportunity to establish a new partnership with municipalities, one that respects local decision-making while demanding measurable progress.

That will require more than repealing Bills 43 and 44.

It will require a credible replacement strategy, clear expectations and a serious commitment to reducing the cost of building homes.

As of November 5, the proposed changes remain political commitments. Existing provincial housing requirements have not yet been repealed, and the details of the replacement framework remain to be seen.

Returning housing decisions to local communities may be a sensible place to start. But local control is not a housing strategy by itself.

The real test will not be how much authority Victoria gives back.

It will be how many British Columbians can finally afford a place to call home.

Chad Dashly writes political commentary for The Current, examining British Columbia politics, economic development and the public policies shaping communities across the province.

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What to Expect as Prescribed Burns Begin Near 100 Mile House

BC Wildfire Service plans prescribed burns near Watch Lake and Mirage Lake to lower wildfire risk near 100 Mile House starting as early as Nov. 5.

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Wildfire Risk Reduction Projects Announced

Two separate wildfire risk reduction projects will bring prescribed burns to the 100 Mile area. According to the BC Wildfire Service, the initiatives are designed to lower wildfire risk, remove forest fuels strategically, and protect wildlife habitat, environmental features, and recreational values.

Watch Lake Burn Details

South of 100 Mile House, crews plan to burn nearly three hectares of woody debris near Watch Lake. This work is part of a broader 39.4-hectare project adjacent to properties in the Watch Lake and Green Lake area.

Ignitions could start as early as Thursday, Nov. 5, subject to weather and site conditions, and may continue until March 31, 2027. The BC Wildfire Service stated in a Nov. 3 news release that crews will ignite around 100 piles measuring two metres by three metres, created through selective pruning and thinning of immature trees.

“Smoke and flames may be visible to surrounding communities. Smoke from within the perimeter of the burn may be visible up to 72 hours after ignition,” the wildfire service noted.

Mirage Lake Project

Further north, approximately 138 hectares of woody debris are slated for burning near Mirage Lake. Mechanical raking and pile preparation are scheduled to begin as early as this week, with pile ignitions starting as early as December and extending through March 31, 2027.

In a separate release on Nov. 3, the agency confirmed that burn pile ignitions will move forward only if conditions remain safe, supported by favourable weather and atmospheric venting to clear smoke quickly.

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Why Kelowna’s New City Council Faces Questions Over Transparency and Pre-Vote Media Access

Re-elected Kelowna Mayor Tom Dyas pledges better communication, but critics and new councillors debate pre-decision transparency and public media access.

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Kelowna Mayor Pledges Communication Enhancements

Re-elected Kelowna Mayor Tom Dyas marked the start of the new municipal term at Monday’s swearing-in ceremony by promising to expand ways for the city to listen and communicate. Acknowledging that room for improvement exists, Dyas noted that public feedback over recent months highlighted a need for better engagement, prompting the city to examine potential updates to its process.

However, questions remain regarding whether these adjustments will offer the public and press greater access to individual councillors prior to official votes. Dyas maintains that elected officials should refrain from publicly sharing their positions before council meetings take place, explaining that deliberations and incoming information could shift a councillor’s perspective.

Media Restrictions and Academic Criticism

Past practice during Dyas’ first term frequently saw journalists informed that the municipal code of conduct restricted councillors from commenting on agenda items before table debates. Although the code does not explicitly forbid officials from voicing personal opinions on municipal issues either before or after council consideration, Dyas argued that speaking prior to a decision is inappropriate and risks outside discussion improperly influencing deliberations.

This stance faces criticism from University of Victoria journalism professor Sean Holman, the Wayne Crooks Professor in Environmental and Climate Journalism. Holman warned that withholding public discussion until after decisions are finalized undermines transparency and accountability. Stating that Canadians seek authenticity and truth from elected officials, Holman noted that scripted communications and limited access erode public trust and the right to know why decisions are made.

New Councillors Seek Open Public Engagement

The newly sworn-in nine-member council includes five new faces, several of whom advocate for a more accessible approach. Newly-elected councillor Les Bellamy stated he does not intend to be silenced and plans to speak respectfully, arguing that the code of conduct does not restrict comments on general municipal matters. Bellamy expressed a desire to ensure all relevant facts are gathered while simultaneously creating broader opportunities for resident input, announcing plans for a motion directing staff to explore enhanced communication channels such as townhalls or dedicated public input time during meetings.

Fellow newcomer Kevin Kraft similarly confirmed his comfort with speaking to journalists prior to meetings. With five new members joining the table, whether the updated lineup leads to lasting shifts in council communication will become clear over time.

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