Posted: 01 Sep 1998

Chain Letters


You've probably received more chain letters in your lifetime than you can count. With the Internet's increasing popularity, if you haven't received one by e-mail yet, you probably will.


Posted: 15 Sep 2015

Multi-Level Marketing


Multi-level marketing is a system of retailing in which consumer products are sold by independent businessmen and women (distributors), usually in customers' homes. Although sometimes labeled "network marketing," rather than multi-level marketing, and touted as "new," "innovative," and "taught at a leading business school," the definition remains the same.


Posted: 27 Jan 2014

Refunds, Exchanges, and Disputes


The California Civil Code provides that retail merchants must conspicuously display their refund and exchange policies in certain circumstances.


Posted: 01 Feb 1997

Unordered Merchandise


Suppose you were to respond to a newspaper advertisement offering a free "trial" pair of pantyhose but receive, instead, a package of four, with a bill. Or, suppose you receive something like a pocket knife that you never ordered, and despite your objections, the company continues to send you dunning notices, threatening your credit rating.


Posted: 01 May 2000

Shopping By Phone, Mail, Fax and Computer/Internet


If you order by mail, telephone, computer, or fax, the company you order from is obligated under the Federal Trade Commission's Mail or Telephone Order Rule to ship your order within the time stated in its ads. If no time is promised, the company must ship your order within 30 days after receiving it.


Posted: 01 Oct 2010

Modeling, Talent Scams Cost a Pretty Penny


Whether your friends tell you you ought to be a model or in the movies because you're tall, shapely, handsome, funny, etc., or whether your appearance is less than that of an Adonis or Aphrodite and you've never acted in anything more impressive than your high school play, you don't have to look far for confir­mation that modeling or acting might be for you.


Posted: 01 May 2004

Federal Telephone Consumer Protection Act


Federal law requires that commercial email senders must clearly identify their email as solicitations or advertisements. Such email must contain a legitimate return email address and the sender's postal address.


Posted: 19 Dec 2016

Gift Cards


A gift card can be the perfect gift. They are easy to shop for, oftentimes convenient to find, and can be purchased for virtually anything. Before you shop for a gift card, check out this handy guide for helpful information and tips on buying and using gift cards.


Posted: 01 Dec 1993

How to Look At Ads For the Truth


How do you tell which ad is truthful--which product or service is what it is claimed to be, and which is not? Is a pain reliever better if a TV doctor--really an actor, of course--says it is? Is something true if Cybill Shepherd or Ed McMahon tell you it is? Does a known product or company name, like Volvo, Diet Coke or Bristol-Myers, mean their claims are factual?


Posted: 17 Nov 2014

Mystery Shoppers


Mystery shopping or secret shopping can be a great way to earn extra money. Many retailers, restaurants, or other businesses use mystery shoppers to check on how the business performs. Although there are legitimate mystery shopping offers, unfortunately, there are just as many, if not more, mystery shopping scams. Here are some tips if you are considering a mystery shopping assignment.


Posted: 28 Feb 2014

Online Dating Services and Internet Dating


If you are looking for love, online dating may appeal to you. There are countless dating services available on the internet, but which one may be right for you? What precautions should you take? If you are careful, online dating may land you the mate you have been looking for.


Posted: 04 Apr 2014

Identity Theft


Identity theft can happen to anyone at any time. Taking the time to identify what identity theft is, recognizing the warning signs, learning preventative measures to guard your information, and knowing what you can do if you have been victimized may help ward off thieves and or recover from the act.


Posted: 14 Jul 2014

Mobile Apps


Mobile apps have become extremely popular with smartphone, tablet, and mobile device users. People all around the world download apps daily for everything from finding a restaurant, checking movie times, playing games, or reading books, to more serious things like mobile banking, managing accounts, checking stocks, etc. With more and more apps added daily, it’s important to know how mobile apps work and what you are agreeing to when you click that install button.


Posted: 22 Mar 2016

Recognizing Prize Scams


Winning a prize can be a dream come true. But falling for a prize scam can cost you money, time, and your security. Check out ways to identify a prize scam and tips to protect yourself.


Posted: 02 Feb 2017

Money Transfer Services


Many people use money transfer services as a convenient way to get funds to someone you know. Scammers know that money transfers are a quick way for them to get money without detection. Find out some common scams crooks use money transfer services for and how to avoid them.


Posted: 15 Sep 2017

Buying Plans


Buying plans offer free or discounted products and services for a membership fee. Before joining a buying plan you should evaluate the offer and make sure it is not a scam. Here are some helpful tips to help you decide on joining a buying plan.