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Time to Do Some Smart Shopping

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I cannot believe it’s that time again. Black Friday is upon us. It’s time to start planning for that special day after (or on) Thanksgiving when retailers gear up to offer their best. What really is amazing is all of those “pre-Black Friday” sales. BBB past experience tells us that all deals are not created equal and the fine print is often the most important thing. So make sure you research where the sales are and make a list of your gift priorities to compare prices and plan your day of deals. Since many advertisements will begin before the actual sale, build up a coupon collection as soon as possible. Remember to bring ads with you on Black Friday just in case the price is not what you expected. Check your credit card rewards program as well for special points that could add up on Black Friday. Above all be safe and keep your wallet and other items safe.
One of the most common complaints we see at holiday time is non-delivery of items ordered. Often companies have flat lied about their ability to deliver items on time. Other times they just don’t know or there is a problem with a supplier. If the seller is unable to ship the products you ordered within the promised time period, the law requires the seller to notify you of your right to cancel the order. The company must provide you a way to cancel your order or inform the seller, at its expense, that you still want the product. If a time frame is not given in a promotion it is assumed to be 30 days. Make sure you keep all receipts and copies of ads. Also check companies out at bbb.org to see if we have had a problem in the past.
We all love our veterans and so do the schemers. Scams targeting veterans are on the rise and can take many forms. The following are five of the most common fraudulent offers and scams targeting our veterans:
· Firms that charge veterans for products and services they can receive for free or at lower cost elsewhere, such as military records and forms.
· Scammers who contact veterans claiming they need to update their credit card information or other records with the Veterans Administration.
· Flashy military loan offers promising “instant approval,” “no credit check” and “all ranks approved.”
· Fraudulent housing ads offering military discounts.
· Phony “Veterans for Hire” schemes.
Have you ever had a bounced check? So how much can a merchant or the bank charge you for your mistake? Well, according to the Houston based Consumer Law Center a store may charge no more than $30 for a bounced check. There is however no limit for how much a bank may charge. You may wish to shop around for a bank that charges a reasonable fee, and get “overdraft protection” to avoid high fees. And also from the Consumer Law Center. Under federal law, a debt collector cannot communicate with you at work, once he knows that your employer prohibits such communication. This law, however, does not apply to the creditor itself. Of course, the creditor does not have the right to come by and harass, abuse, or publicly embarrass you.

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