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: 11 Mar 2011

Bad Check Restitution Programs


Not too many years ago, Southland merchants who accepted checks from customers could be pretty sure they were going to lose the money if the check bounced. County District Attorneys and Police Departments didn't want to handle such matters; neither did the court system welcome them.


Posted: 01 Feb 1994

Readable Forms


If you offer credit to your customers, you probably use one or more standard forms. But if you ever have to write your own credit contract or other form, you may find yourself wondering where to put the "forthwiths" and "heretofores." And the answer may be to put them out of your misery.


Posted: 01 Jun 2004

Merchandise Delivery Or Repair, Utility & Cable TV Service


California law requires retailers who sell merchandise for later delivery, utility companies, and cable TV companies to specify a four-hour period within which the delivery will be made or service connection commenced if the consumer's presence is required. The law makes the same requirement of companies that service or repair merchandise.


Posted: 01 May 2002

How To Track Down an "Out of Business" Firm


You left your VCR at a repair shop, but when you returned to pick it up the shop was padlocked and the firm gone. Or, you put a deposit on a new sofa, but the company's phone lines have been disconnected. What can you do?


Posted: 31 Jul 2014

Work-At-Home Schemes


These kinds of work-at-home offers can be found on the Internet, in email solicitations, or in the help wanted sections of newspapers and other publications. They are often listed under headings like "Help Wanted," "Money-Making Opportunities," "Business Opportunities" and "Business Personals". They tell readers that they can earn a large amount of money with as little time invested as they choose with offers to stuff envelopes, assemble products, or invest in business opportunities. Most never deliver on those promises of high earnings with little work.


Posted: 29 Sep 2014

Advance Fee Loans


Advertised on the radio and TV, on the internet, and in newspaper ads, Advance fee loan offers appeal to the people who need it most--those who can't get loans from conventional sources. Advance fee loan companies offer a ray of hope but are almost sure to leave the borrower worse off than before.


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: 02 Aug 2012

Small Business Tip: Turning Warm Leads Into Hot Prospects


No matter what your business, you need two things: a happy, loyal customer base and a steady stream of new prospects. The Direct Selling Education Foundation (DESF) offers some great suggestions in its free e-book, Business Owners’ Road Map to Success


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: 11 Sep 2014

Payday Loans


Payday loans are commonly advertised as a quick fix to help with emergency situations such as unexpected auto repairs or to pay bills. Unfortunately these high rate, short-term loans can be very costly. Counting the cost before applying for a payday advance can help you avoid becoming entangled in a cycle of debt.


Posted: 26 Feb 2015

Avoiding Resale Scams


If you are approached with a business opportunity to resell designer items, it is probably best to reconsider taking up this work-at-home offer. What may appear to be an ideal way to make extra money can end up costing. Scammers are on the prowl for unsuspecting consumers to take the bait.


Posted: 28 Jan 2016

Credit Repair


Bad credit is a frustrating obstacle that many find themselves having a hard time to get over. For many drowning in debt the services of a credit repair service may appear to be a lifesaver. However, there are some businesses that make grand claims but fail to deliver. Consumers should know there is no quick fix to improving your credit. This resource guide will help you identify your rights when it comes to credit, provide information on what credit repair companies can and cannot do for you, signs to identify a credit repair scam, and steps to take to protect yourself.