This document provides information to help consumers make informed purchasing decisions. It discusses factors to consider when deciding whether to buy an item, such as needs versus wants. When shopping, it recommends comparing multiple options using charts to track price, features, warranties and return policies. Additional tips include being aware of real costs like cleaning for different materials, investigating buying clubs and online retailers, understanding layaway and cooling-off periods, and protecting against scams and fraudulent marketing practices. Protection laws are outlined regarding mail, phone, internet and telemarketing sales.
This document provides information from a training on credit card fraud presented by Consumer Action and Chase. It defines different types of credit card fraud such as unauthorized charges, counterfeit cards, and identity theft. It explains how credit card fraud impacts consumers through higher interest rates and fees. The document offers tips for protecting against fraud such as shredding documents, being wary of phishing scams, safeguarding account information, and promptly reporting any unauthorized charges. It provides resources for consumers including the Fair Credit Billing Act and contact information for the FTC, state agencies, and Consumer Action.
In the not too distant past, launching a business was a daunting task. It meant setting up a shop in a visible place where customers could arrive to check out and hopefully purchase your products or services. With the advantages offered by online selling, all of that has changed!
You needed to order supplies, keep the shop clean, heated and ventilated. You virtually always had to be present, like it was a little baby and you were a single parent. All of these factors assuming that your products would start selling within only in weeks rather than months of starting up.
So anyone planning to establish a business should consider all the factors... and make a decision about whether the risk is too high or the guarantee of success too low. Today with the lower overhead cost of running an online or 'virtual' business, its much more affordable to get up and running. And you can be in profit within days!
This document provides tips and strategies for smart car buying. It emphasizes the importance of preparation, such as determining needs and budget, researching vehicle types and costs, and getting pre-approved financing. When negotiating, the document advises negotiating the selling price, not monthly payments, and making incremental offers. Salespeople will try different tactics, so it is important to remain in control of the negotiations and get the best deal. The entire car buying process is described as not just an event, but something that requires planning and strategy.
Multiple seniors have been misled into the 'antique mall booth' business. Few have shown a profit, most have lost money.
Perhaps more insidiously, seniors attempting to downsize and clear the clutter from their homes end up with more possessions, increased frustration and suffering from emotional distress as a direct result of their antique mall experience.
Antique malls rely on eighty percent of their tenants who make no profit with no hope of making profit to cover their overhead and carry the twenty percent of tenant who are able to show a profit.
This slide share explains how to create a financial model to understand the value of the inventory which must be carried, the turnover required and the cost per square foot to support that business plan in order to achieve even a small return on investment. Breaking even is a (pipe) dream for most seniors in this business. Antique mall owners know this and are constantly on the prowl for new recruits.
The document provides advice for evaluating the viability of leasing space in an antique mall. It cautions that antique malls often prey on inexperienced would-be dealers and recommends doing thorough research. Key questions to ask include determining dealer turnover rates, the exclusives policy and its impact, booth locations that are most profitable, the required inventory investment to be successful, the mall's marketing efforts and customer demographics, and security issues like shoplifting. The overall message is to carefully consider the business realities rather than just the rosy picture presented by the mall's owners.
Sales & Marketing Law And Consumers Complaintsorrenprunckun
This document provides information about sales, marketing, and consumer law in Australia. It defines key terms related to sales, marketing, and consumer complaints. The document discusses what sales and marketing entail for businesses, the marketing and sales process, and why sales and marketing are important for small businesses. It also outlines several key areas of Australian consumer law, including misleading or deceptive conduct, unconscionable conduct, and false or misleading representations. Examples are provided to illustrate how businesses can comply with consumer protection regulations.
This instruction guide provides a lesson plan for teaching students about saving and budgeting using a Marvel comic book called "Saving the Day". The guide outlines that students will learn basic banking concepts, the importance of budgeting and saving, and practice balancing their own personal budgets. It includes a warm up activity, teaching key concepts, reviewing financial terms from the comic, reading the comic, discussion questions, and completing a budget worksheet.
This document discusses consumer privacy and information privacy. It explains that privacy is an important issue because computer systems store a lot of personal information and data, and it can be easily shared and accessed. There are both public and private sources of personal information, and laws like the Privacy Act and Fair Credit Reporting Act give consumers rights around accessing and correcting their records. The document also outlines options for consumers to protect their privacy, such as opting out of marketing lists and reviewing their credit reports.
This document provides information from a training on credit card fraud presented by Consumer Action and Chase. It defines different types of credit card fraud such as unauthorized charges, counterfeit cards, and identity theft. It explains how credit card fraud impacts consumers through higher interest rates and fees. The document offers tips for protecting against fraud such as shredding documents, being wary of phishing scams, safeguarding account information, and promptly reporting any unauthorized charges. It provides resources for consumers including the Fair Credit Billing Act and contact information for the FTC, state agencies, and Consumer Action.
In the not too distant past, launching a business was a daunting task. It meant setting up a shop in a visible place where customers could arrive to check out and hopefully purchase your products or services. With the advantages offered by online selling, all of that has changed!
You needed to order supplies, keep the shop clean, heated and ventilated. You virtually always had to be present, like it was a little baby and you were a single parent. All of these factors assuming that your products would start selling within only in weeks rather than months of starting up.
So anyone planning to establish a business should consider all the factors... and make a decision about whether the risk is too high or the guarantee of success too low. Today with the lower overhead cost of running an online or 'virtual' business, its much more affordable to get up and running. And you can be in profit within days!
This document provides tips and strategies for smart car buying. It emphasizes the importance of preparation, such as determining needs and budget, researching vehicle types and costs, and getting pre-approved financing. When negotiating, the document advises negotiating the selling price, not monthly payments, and making incremental offers. Salespeople will try different tactics, so it is important to remain in control of the negotiations and get the best deal. The entire car buying process is described as not just an event, but something that requires planning and strategy.
Multiple seniors have been misled into the 'antique mall booth' business. Few have shown a profit, most have lost money.
Perhaps more insidiously, seniors attempting to downsize and clear the clutter from their homes end up with more possessions, increased frustration and suffering from emotional distress as a direct result of their antique mall experience.
Antique malls rely on eighty percent of their tenants who make no profit with no hope of making profit to cover their overhead and carry the twenty percent of tenant who are able to show a profit.
This slide share explains how to create a financial model to understand the value of the inventory which must be carried, the turnover required and the cost per square foot to support that business plan in order to achieve even a small return on investment. Breaking even is a (pipe) dream for most seniors in this business. Antique mall owners know this and are constantly on the prowl for new recruits.
The document provides advice for evaluating the viability of leasing space in an antique mall. It cautions that antique malls often prey on inexperienced would-be dealers and recommends doing thorough research. Key questions to ask include determining dealer turnover rates, the exclusives policy and its impact, booth locations that are most profitable, the required inventory investment to be successful, the mall's marketing efforts and customer demographics, and security issues like shoplifting. The overall message is to carefully consider the business realities rather than just the rosy picture presented by the mall's owners.
Sales & Marketing Law And Consumers Complaintsorrenprunckun
This document provides information about sales, marketing, and consumer law in Australia. It defines key terms related to sales, marketing, and consumer complaints. The document discusses what sales and marketing entail for businesses, the marketing and sales process, and why sales and marketing are important for small businesses. It also outlines several key areas of Australian consumer law, including misleading or deceptive conduct, unconscionable conduct, and false or misleading representations. Examples are provided to illustrate how businesses can comply with consumer protection regulations.
This instruction guide provides a lesson plan for teaching students about saving and budgeting using a Marvel comic book called "Saving the Day". The guide outlines that students will learn basic banking concepts, the importance of budgeting and saving, and practice balancing their own personal budgets. It includes a warm up activity, teaching key concepts, reviewing financial terms from the comic, reading the comic, discussion questions, and completing a budget worksheet.
This document discusses consumer privacy and information privacy. It explains that privacy is an important issue because computer systems store a lot of personal information and data, and it can be easily shared and accessed. There are both public and private sources of personal information, and laws like the Privacy Act and Fair Credit Reporting Act give consumers rights around accessing and correcting their records. The document also outlines options for consumers to protect their privacy, such as opting out of marketing lists and reviewing their credit reports.
The document provides a lesson plan for teaching students about allowances and spending plans. It includes activities to help students practice dividing an allowance into categories for spending, saving, and giving. Students will track their expenses in a spending diary and then use the data to create a personalized written spending plan. The goal is for students to gain experience developing and following a spending plan so they learn responsible money management skills.
This document provides information about costs associated with moving into a new home and living independently, including initial move-in costs, ongoing housing costs, and sample budgets. It discusses creating a monthly budget that accounts for income, fixed expenses like rent and utilities, and variable expenses. The document also reviews key components of lease agreements and rights and responsibilities of both tenants and landlords.
This document provides a syllabus for a specialist unit award in web analytics and social media monitoring. The syllabus covers three main elements: online research principles, web analytics, and social media monitoring. It details the learning outcomes, knowledge and skill requirements, and assessment criteria for each element. The goal is for students to be able to assess digital marketing methodologies, identify appropriate metrics and tools, and evaluate digital marketing performance using web analytics and social media monitoring techniques.
This document discusses common advertising techniques and how to evaluate advertisements. It describes techniques used to associate products with status, peer approval, celebrities and other attributes. It also discusses potentially misleading or unethical techniques like bait-and-switch advertising, exploiting fears, misleading health claims and travel fraud. The document advises evaluating advertisements by looking beyond emotional appeals to the actual product claims, checking for unreasonable or unsubstantiated attributes, and reading fine print carefully.
The document outlines the five basic steps to buying a home: 1) determine home ownership needs such as budget and housing type, 2) locate and evaluate potential homes, 3) price the property, 4) obtain financing like a mortgage, and 5) close the purchase transaction with necessary funds and documents. It also discusses determining an affordable price range, qualifying for a mortgage based on income and down payment, different types of mortgages, closing costs, selling an existing home through repairs, pricing, and using a real estate agent.
This document provides instructions for adding features to a website such as a blog, photo gallery, embedded videos, and PDF files. It explains how to create a blog page and posts in the site manager. Photos can be added to a photo gallery page by uploading them. Videos can be embedded by copying the embed code from hosting sites. PDFs can be uploaded and embedded using an embed link. The document encourages applying these features to build out a website.
This document provides materials on making decisions, including student activities and a quiz. The student activities guide students through identifying a decision to make, gathering information on alternatives, considering consequences of each alternative, selecting the best option, and evaluating the results. One activity discusses how economic factors like interest rates and consumer prices can influence personal financial decisions. The quiz at the end tests students on key aspects of decision-making and how economic conditions affect decisions.
This document discusses the costs of owning and operating a motor vehicle. It covers fixed costs like depreciation, interest on loans, insurance, and taxes. Variable operating costs include gasoline, maintenance, repairs, and parking. The document also provides guidelines for calculating safe debt loads within 20% of annual income and keeping monthly debt payments below 10% of monthly income. Additional sections cover consumer decision making, shopping for new and used cars, loans, insurance, and leasing options.
This document provides information about various savings and investment options, including savings accounts, certificates of deposit, money market accounts, bonds, mutual funds, stocks, real estate, and retirement plans. It includes details on interest rates, minimum balances, risks, and tax implications of each option. Examples are given to illustrate how savings can grow over time through compound interest. Tips are also provided on avoiding investment fraud.
Americans spend an average of $2,746 per year on lunch, with most people eating lunch at home 5 times a week for $1,704 per year, and eating out 2 times a week for $1,043 per year. While almost half of Americans eat lunch at home, 31% eat at work, with 15% at their desk and 11% in the break room. A small percentage spend lavishly, with 1% spending over $50 per meal out 3 times a week for $9,383 annually. Men spend significantly more than women on lunch, averaging $24.93 per week compared to women's $15.56. Americans in the South eat out more and spend nearly $200 more per year
This document contains materials for teaching students about money responsibility, including spending choices, record keeping, and a quiz. It includes 10 hypothetical spending situations for students to discuss, such as lending money to friends or finding lost money. It also provides templates to track weekly spending by category (e.g. food, clothes). The goal is for students to understand responsible spending practices like staying within a budget and keeping receipts by filling out the tracking forms over a week and then totaling expenses. The document ends with a 10 question true/false quiz to assess comprehension.
Northeastern states lead the country in prom spending for the third consecutive year, averaging $1,169 per student. Dads contribute 63% more on average than moms to elaborate prom proposals, and 19% more to prom expenses. Parents pay 73% of total prom costs, averaging $989 for daughters and $893 for sons. American families plan to spend 6% less on prom in 2015 than previous years, with lower-income households spending more than higher-income families.
The document describes the construction and validation of an adapted version of Kolb's Learning Styles Inventory for use in India. It discusses Kolb's original inventory which measures four learning styles based on how people perceive and process information. The researchers adapted the inventory through multiple pilot tests in India, modifying items for cultural appropriateness and simplifying language. They aimed to develop a version of the inventory that would be reliable, valid and culturally fair for assessing learning styles in the heterogeneous population of India.
1. The document discusses different types of assessments used to evaluate student learning including formative and summative assessments. Formative assessments are used to guide instruction and help students improve, while summative assessments evaluate learning at the end of instruction.
2. Standardized tests are discussed, including the purposes of achievement, diagnostic, and aptitude tests. Issues with high-stakes testing are also covered, such as narrowing curriculum.
3. More authentic assessment approaches are emerging in response to criticisms of traditional tests not reflecting real-world skills. Informal assessment is discussed as a formative approach.
The document provides tips and guidance for consumers on online shopping safety, understanding purchase policies and rights, protecting personal information, avoiding scams, and tips for saving money. It advises being cautious of unsolicited emails, only shopping on secure sites, keeping software updated, using strong and unique passwords, and regularly checking financial statements for unauthorized charges. The document is from the Consumer Affairs Branch of Fairfax County on protecting consumers and promoting understanding of rights and responsibilities.
This document discusses various online tools for sharing information, shopping, banking, and managing personal finances. It provides overviews of social networks like Yelp and Pinterest for sharing reviews and recommendations. It also offers tips for shopping safely online, checking the security and reputation of sellers. The document reviews online banking with SDCCU and money management tools like Quicken. It concludes by listing several free online calculators for estimating expenses, mortgages, retirement, and credit reports.
Despite of the fact that internet shopping provides comforts and ease, there are few things one has to always follow when browsing the web. Find out such basic things one must always remember in this presentation.
Consumer Knowledge (High Schools Presentation)Fairfax County
This presentation goes over some of the basics of consumer affairs and the important role of consumer knowledge . Defining what makes a person a consumer and why you need to be an informed consumer are focal points. Also included in the presentation are several consumer knowledge quizzes.
The document discusses online shopping and provides tips for staying safe. It defines online shopping, outlines the shopping process, and lists advantages like convenience and price comparisons. Potential disadvantages include inability to see products in person. The document gives 5 tips for protecting yourself such as using credit cards and unique email addresses. It also describes popular shopping sites like eBay and Amazon.
The document discusses identity theft and provides tips to prevent it, such as shredding documents with personal information and choosing secure passwords. It also warns about predatory lending practices like payday loans, car title loans, and rent-to-own scams that can trap consumers in cycles of debt. Resources are listed for victims of identity theft and those seeking alternatives to predatory loans.
E-commerce refers to buying and selling of goods online. The document provides dos and don'ts of e-commerce for both customers and businesses. It advises customers to research websites before shopping, compare prices, inspect new purchases, and not fall for bogus deals or pay online through unsecure methods. It suggests businesses should respond to customers quickly, make purchases easy, and keep customers informed.
The document provides tips for saving money and getting organized. It recommends investigating higher-yielding savings accounts online and opening a retirement account to take advantage of compound interest. It also suggests negotiating deals when possible, submitting rebates and coupons, and avoiding fees by knowing your credit card contract terms. Additional money-saving tips include using libraries for entertainment, air-drying clothes, eating off kids' menus, checking for unclaimed funds, and employing strategies to prevent impulse purchases.
The document provides a lesson plan for teaching students about allowances and spending plans. It includes activities to help students practice dividing an allowance into categories for spending, saving, and giving. Students will track their expenses in a spending diary and then use the data to create a personalized written spending plan. The goal is for students to gain experience developing and following a spending plan so they learn responsible money management skills.
This document provides information about costs associated with moving into a new home and living independently, including initial move-in costs, ongoing housing costs, and sample budgets. It discusses creating a monthly budget that accounts for income, fixed expenses like rent and utilities, and variable expenses. The document also reviews key components of lease agreements and rights and responsibilities of both tenants and landlords.
This document provides a syllabus for a specialist unit award in web analytics and social media monitoring. The syllabus covers three main elements: online research principles, web analytics, and social media monitoring. It details the learning outcomes, knowledge and skill requirements, and assessment criteria for each element. The goal is for students to be able to assess digital marketing methodologies, identify appropriate metrics and tools, and evaluate digital marketing performance using web analytics and social media monitoring techniques.
This document discusses common advertising techniques and how to evaluate advertisements. It describes techniques used to associate products with status, peer approval, celebrities and other attributes. It also discusses potentially misleading or unethical techniques like bait-and-switch advertising, exploiting fears, misleading health claims and travel fraud. The document advises evaluating advertisements by looking beyond emotional appeals to the actual product claims, checking for unreasonable or unsubstantiated attributes, and reading fine print carefully.
The document outlines the five basic steps to buying a home: 1) determine home ownership needs such as budget and housing type, 2) locate and evaluate potential homes, 3) price the property, 4) obtain financing like a mortgage, and 5) close the purchase transaction with necessary funds and documents. It also discusses determining an affordable price range, qualifying for a mortgage based on income and down payment, different types of mortgages, closing costs, selling an existing home through repairs, pricing, and using a real estate agent.
This document provides instructions for adding features to a website such as a blog, photo gallery, embedded videos, and PDF files. It explains how to create a blog page and posts in the site manager. Photos can be added to a photo gallery page by uploading them. Videos can be embedded by copying the embed code from hosting sites. PDFs can be uploaded and embedded using an embed link. The document encourages applying these features to build out a website.
This document provides materials on making decisions, including student activities and a quiz. The student activities guide students through identifying a decision to make, gathering information on alternatives, considering consequences of each alternative, selecting the best option, and evaluating the results. One activity discusses how economic factors like interest rates and consumer prices can influence personal financial decisions. The quiz at the end tests students on key aspects of decision-making and how economic conditions affect decisions.
This document discusses the costs of owning and operating a motor vehicle. It covers fixed costs like depreciation, interest on loans, insurance, and taxes. Variable operating costs include gasoline, maintenance, repairs, and parking. The document also provides guidelines for calculating safe debt loads within 20% of annual income and keeping monthly debt payments below 10% of monthly income. Additional sections cover consumer decision making, shopping for new and used cars, loans, insurance, and leasing options.
This document provides information about various savings and investment options, including savings accounts, certificates of deposit, money market accounts, bonds, mutual funds, stocks, real estate, and retirement plans. It includes details on interest rates, minimum balances, risks, and tax implications of each option. Examples are given to illustrate how savings can grow over time through compound interest. Tips are also provided on avoiding investment fraud.
Americans spend an average of $2,746 per year on lunch, with most people eating lunch at home 5 times a week for $1,704 per year, and eating out 2 times a week for $1,043 per year. While almost half of Americans eat lunch at home, 31% eat at work, with 15% at their desk and 11% in the break room. A small percentage spend lavishly, with 1% spending over $50 per meal out 3 times a week for $9,383 annually. Men spend significantly more than women on lunch, averaging $24.93 per week compared to women's $15.56. Americans in the South eat out more and spend nearly $200 more per year
This document contains materials for teaching students about money responsibility, including spending choices, record keeping, and a quiz. It includes 10 hypothetical spending situations for students to discuss, such as lending money to friends or finding lost money. It also provides templates to track weekly spending by category (e.g. food, clothes). The goal is for students to understand responsible spending practices like staying within a budget and keeping receipts by filling out the tracking forms over a week and then totaling expenses. The document ends with a 10 question true/false quiz to assess comprehension.
Northeastern states lead the country in prom spending for the third consecutive year, averaging $1,169 per student. Dads contribute 63% more on average than moms to elaborate prom proposals, and 19% more to prom expenses. Parents pay 73% of total prom costs, averaging $989 for daughters and $893 for sons. American families plan to spend 6% less on prom in 2015 than previous years, with lower-income households spending more than higher-income families.
The document describes the construction and validation of an adapted version of Kolb's Learning Styles Inventory for use in India. It discusses Kolb's original inventory which measures four learning styles based on how people perceive and process information. The researchers adapted the inventory through multiple pilot tests in India, modifying items for cultural appropriateness and simplifying language. They aimed to develop a version of the inventory that would be reliable, valid and culturally fair for assessing learning styles in the heterogeneous population of India.
1. The document discusses different types of assessments used to evaluate student learning including formative and summative assessments. Formative assessments are used to guide instruction and help students improve, while summative assessments evaluate learning at the end of instruction.
2. Standardized tests are discussed, including the purposes of achievement, diagnostic, and aptitude tests. Issues with high-stakes testing are also covered, such as narrowing curriculum.
3. More authentic assessment approaches are emerging in response to criticisms of traditional tests not reflecting real-world skills. Informal assessment is discussed as a formative approach.
The document provides tips and guidance for consumers on online shopping safety, understanding purchase policies and rights, protecting personal information, avoiding scams, and tips for saving money. It advises being cautious of unsolicited emails, only shopping on secure sites, keeping software updated, using strong and unique passwords, and regularly checking financial statements for unauthorized charges. The document is from the Consumer Affairs Branch of Fairfax County on protecting consumers and promoting understanding of rights and responsibilities.
This document discusses various online tools for sharing information, shopping, banking, and managing personal finances. It provides overviews of social networks like Yelp and Pinterest for sharing reviews and recommendations. It also offers tips for shopping safely online, checking the security and reputation of sellers. The document reviews online banking with SDCCU and money management tools like Quicken. It concludes by listing several free online calculators for estimating expenses, mortgages, retirement, and credit reports.
Despite of the fact that internet shopping provides comforts and ease, there are few things one has to always follow when browsing the web. Find out such basic things one must always remember in this presentation.
Consumer Knowledge (High Schools Presentation)Fairfax County
This presentation goes over some of the basics of consumer affairs and the important role of consumer knowledge . Defining what makes a person a consumer and why you need to be an informed consumer are focal points. Also included in the presentation are several consumer knowledge quizzes.
The document discusses online shopping and provides tips for staying safe. It defines online shopping, outlines the shopping process, and lists advantages like convenience and price comparisons. Potential disadvantages include inability to see products in person. The document gives 5 tips for protecting yourself such as using credit cards and unique email addresses. It also describes popular shopping sites like eBay and Amazon.
The document discusses identity theft and provides tips to prevent it, such as shredding documents with personal information and choosing secure passwords. It also warns about predatory lending practices like payday loans, car title loans, and rent-to-own scams that can trap consumers in cycles of debt. Resources are listed for victims of identity theft and those seeking alternatives to predatory loans.
E-commerce refers to buying and selling of goods online. The document provides dos and don'ts of e-commerce for both customers and businesses. It advises customers to research websites before shopping, compare prices, inspect new purchases, and not fall for bogus deals or pay online through unsecure methods. It suggests businesses should respond to customers quickly, make purchases easy, and keep customers informed.
The document provides tips for saving money and getting organized. It recommends investigating higher-yielding savings accounts online and opening a retirement account to take advantage of compound interest. It also suggests negotiating deals when possible, submitting rebates and coupons, and avoiding fees by knowing your credit card contract terms. Additional money-saving tips include using libraries for entertainment, air-drying clothes, eating off kids' menus, checking for unclaimed funds, and employing strategies to prevent impulse purchases.
This document provides tips for consumers on wise buying practices. It states that sellers sometimes allow installment payments or partial upfront payments for purchases. Buyers should evaluate loan options and obtain a cash receipt. During festivals or sales, goods may be delivered to save on transportation costs. Mass media and online sources provide the latest product information. Wise buying involves determining what, where, when, why and how to purchase goods based on needs, budgets, promotions and quality. Standardized, labeled products from established sellers after comparing multiple price quotes are recommended.
A financial institution is an establishment that conducts financial transactions such as investments, loans, and deposits. Common types of financial institutions include commercial banks, which accept deposits and provide security, and investment companies, which allow individuals to invest money collectively. Financial institutions are used by individuals to store funds securely, purchase expensive items, use checks/debit cards, obtain loans, and make investments. Knowledge of how to use financial institutions is important for managing personal finances both currently and in the future.
Start Your Own Successful Drop Shipping Businessandewill01
Want To Start Your Own Successful Drop shipping Store?
Selling on the internet as a dropshipper has cut down 50% of my operation expenses such as office lot rental and utility bills. Therefore, as a seller I am able to offer a price lower than the market range for products. Getting a similar product for a lower price is what most people are seeking for and this is why people are addicted to online shopping.
This document provides information from a training on credit card fraud presented by Consumer Action and Chase. It defines types of credit card fraud such as unauthorized charges and counterfeit cards. It explains how fraud occurs through lost or stolen cards, diverted mail, or stolen employee data. The document outlines steps consumers can take to reduce fraud risk such as shredding documents, being wary of phishing scams, and promptly reporting unauthorized charges. Resources for fraud victims include free credit reports and assistance from the FTC, National Fraud Information Center, and state attorneys general.
This document provides information from a training on credit card fraud presented by Consumer Action and Chase. It defines types of credit card fraud such as unauthorized charges and counterfeit cards. It explains how fraud occurs through lost or stolen cards, diverted mail, or stolen employee data. The document outlines steps consumers can take to reduce fraud risk such as shredding documents, being wary of phishing scams, and promptly reporting unauthorized charges. Resources for fraud victims include free credit reports and assistance from the FTC, National Fraud Information Center, and state attorneys general.
This document provides information and guidance on protecting against credit card fraud. It discusses common types of credit card fraud like unauthorized charges, counterfeit cards, and identity theft. It offers tips for safeguarding personal information, monitoring credit card statements, and reporting fraud. Key steps include shredding documents with financial information, signing cards immediately, and contacting card issuers right away if a card is lost or stolen.
The document provides tips and advice for smarter money management and credit health. It discusses checking specialty reports, avoiding debt elimination scams, using a debt repayment plan called Power Pay, factors to consider with rewards credit cards, understanding credit scoring systems, risks of skipping payments, understanding identity theft risks, benefits of retirement investing over mortgage prepayment, online coupon resources, a utility bill savings program, and a fuel efficiency website.
Unwrapping Gift Cards. Know the Terms and Avoid Surprises- Mark - Fullbright
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Tutorial on Creating Quality Online Shopping Experience 20170112Adams Company Limited
This is a presentation delivered by Matthew Kwan, Principal Consultant of Adams Company Limited (www.adamshk.com) for Hong Kong Retail Management Association (HKRMA) about creating quality online shopping experience. The session also covered the specific requirements for the newly launched Quality e-Shop Recognition Scheme for those interested parties.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document provides an introduction to managing personal finances, including proper use of debit cards, credit cards, and understanding the true costs of carrying credit card balances over time. It advises tracking all purchases and payments, paying credit cards in full each month to avoid interest charges, and only making purchases if you have the cash to pay for them. Examples are given showing how small minimum payments on balances can result in paying much more over time in interest. The goal is to educate youth on developing healthy money habits.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
The Impact of Generative AI and 4th Industrial RevolutionPaolo Maresca
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
2. deciding to buy
www.practicalmoneyskills.com consumer awareness slide 11-A
deciding to spend your money
■ Do I really need this item?
■ Is it worth the time I spend making the money to pay for it?
■ Is there a better use for my money right now?
deciding on the type of item
■ What level of quality do I want (low, medium, or high)?
■ What level of quality do I need (low, medium, or high)?
■ How much can I afford?
■ Should I wait until there is a sale on the item I want?
■ Should I choose an item with a well-known name, even if it costs more?
■ Do I know anyone who already owns this type of item?
■ Is there a warranty and/or service contract on the item? If so, is it comparable to warranties
and service contracts on similar items?
■ What do consumer magazines say about the type of item I am thinking about buying?
3. electronic entertainment device or home appliance
1 2 3
Store
Brand name
Price
Your budget limit
Basic features
Special features
Warranty
Store return policy
Refund policy
Exchange policy
Other
comparative shopping chart 1
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4. comparative shopping chart 2
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item of clothing
1 2 3
Store
Brand name
Price
Your budget limit
Where to be worn
Characteristics
Quality
Durability
Needs alterations?
Comfortable?
Care requirements
Store return policy
Refund policy
Exchange policy
5. the real cost of a garment
www.practicalmoneyskills.com consumer awareness slide 11-D
an example:
Linen Cotton/Poly Silk
A. Initial Cost $110 $85 $170
B. Care $5.00/cleaning $.30/wash $6.00/cleaning
x 7 times=$35 x 22 times = x 6 times =
Iron each time $6.60 $36.00
C. Cycle Life $110 $85 $170
(Cost A + B) +$35 +$6.60 +$36
$145 $91.60 $206
D. When Worn Spring and All year Dressy/
Summer Day/Evening
E. Times Worn/Yr. 36 108 18
F. Cost/Wear $145/36= $145/108= $206/18=
$4.03 $1.34 $11.44
6. buying clubs
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clubs don’t always save you money
■ Sometimes require a large initiation fee.
For example: a $300 membership fee for a club that gives you a 10% discount on
purchases would mean you would have to spend $3,000 to save enough to just cover the
cost of your membership fee.
■ May need to make a large number of purchases before you begin to save money.
■ May have to make purchases in larger quantities than you really need.
■ Often can get goods for same price through discount stores and catalog showrooms (which
don’t require an initiation fee).
how to know whether you’re getting a deal
■ Comparison shop
watch out for
■ Clubs that won’t let you see their prices, catalog, or showroom until after you join.
■ Clubs that use high-pressure sales techniques.
e.g.
7. shopping by phone, mail, or online
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the mail-order rule
■ Companies are required to ship order within a set period of time.
■ If order is not shipped within set time period, company must send you a notice of options.
■ Does not apply to telephone orders, unless order is paid for by mail.
the fair credit billing act
■ Sets up a procedure for the quick correction of mistakes that appear on consumer
credit accounts.
■ Applies to any item bought and paid for with a credit card (including items bought by phone
or by mail).
precautions
■ Investigate the reputation of the company.
■ Ask about the company’s refund and return policy.
■ Ask about the availability of the product.
■ Know the total cost of your order.
■ When ordering by phone, send the payment in by mail (your purchase will then be covered
by the mail-order rule).
■ When shopping online, use a secure browser, shop with companies that you know, keep your
password private, pay by credit card, and keep a record of your transactions.
8. layaway purchase plans
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before you buy on layaway, know
■ Terms of the layaway plan
■ Store’s refund policy
■ Location, availability, and identification of layaway merchandise
■ Store’s reputation
once you begin a layaway plan
■ Keep good records of your payments.
9. the cooling-off rule
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what it is
■ If you buy an item in your home or at a location that is not the seller’s regular place of
business, you have three days to cancel purchases of $25 or more.
■ Seller must inform you of your cancellation rights at the time of sale.
some exceptions include
■ Sales under $25
■ Sales made entirely by mail or telephone
■ Sales made as a result of prior negotiation at seller’s permanent place of business
■ Emergency home repairs when you waive your right to cancel
■ Real estate, insurance, or securities
■ Automobiles, vans, trucks, or other motor vehicles sold at temporary locations, provided the
seller has at least one permanent place of business
■ Arts or crafts sold at fairs or locations such as shopping malls, civic centers, and schools
10. telemarketing fraud
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warning signs:
■ High-pressure sales techniques
■ Insistence on an immediate action
■ Offers that sound too good to be true
■ A request for your credit card number for any purpose other than to make a purchase
■ An offer to get your money quickly (e.g., pay for overnight mail, send someone to your home
or office to pick it up)
■ A statement that a product or service is free, followed by a request that you pay
for something
■ Claims of an investment that is “without risk”
■ Inability or refusal to provide written information or references about the company, product,
service, or investment
■ Suggestions that you should make purchase or investment based on “trust”
how to avoid being a victim
■ Don’t be pushed into a decision.
■ Request written information about organization and product or investment.
■ Don’t buy anything on terms you don’t fully understand.
■ Request the name of the federal agency by/with whom the firm is regulated or registered.
■ Investigate the company or organization.
■ Find out about refund, return, and cancellation policies.
■ Don’t believe testimonials you can’t verify.
■ Don’t provide any personal financial information.
■ If you must, hang up.
11. email/internet scams
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email/internet scams have several common denominators:
■ Requests for personal information through emails or websites
■ Requests for money (business proposals, donations, etc.)
■ Offers of lottery and/or prize winnings
■ Offers of jobs that are “too good to be true”
common scams include:
■ phishing:
Emails purportedly sent from a legitimate company or organization “phishing” for information.
The emails request that recipients provide valuable personal data (date of birth, account numbers,
passwords/access codes, etc.) through a website/email. Often, there’s an urgency indicating an
account will be closed or penalties will accrue without a response.
■ auction fraud:
This occurs when consumers use online auction sites to purchase goods and products. Users often
report faulty merchandise, misleading product descriptions, false information and/or failure to
deliver.
■ identity theft scams:
This occurs when a scammer wrongfully obtains and uses someone’s personal information for
fraud, deception or economic gain. Many times victims have provided the personal data themselves
without checking or confirming the validity of requests.
12. federal trade commission
telemarketing sales rules
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the federal trade commission’s telemarketing sales rules include the following
provisions to protect consumers:
■ Calls are prohibited to consumers who have said they don’t want to be called.
■ Telemarketing calls before 8:00 a.m. and after 9:00 p.m. are not allowed.
■ Telemarketers must tell you that it is a sales call, the name of the seller, and what they
are selling.
■ If a prize promotion is involved, you must be told that no purchase or payment is necessary
to enter to win.
■ Telemarketers may not misrepresent any information about the cost, quantity, and other
aspects of the offered goods or services.
■ Before you pay, telemarketers must tell you the total cost of the goods and any restrictions on
getting or using them, or that a sale is final or non-refundable.
■ Telemarketers are prohibited from withdrawing money from your checking account without
your express, verifiable authorization.
■ Telemarketers offering to arrange loans, provide credit service, or recover money from
another scam may not seek payment before rendering the promised service.
■ State law enforcement officers are authorized to prosecute fraudulent telemarketers who
operate across state lines.
For additional information, contact the Federal Trade Commission,
Office of Consumer Education, Washington, DC 20580.
website: www.ftc.gov
13. common (and not-so-common) frauds
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foreign scams may involve a letter or phone call about a foreign investment that is “too good to
be true.”
telemarketing scams commonly include sweepstakes, prize offers, travel packages, investments,
charities, work-at-home schemes, magazine sales, lotteries, and business opportunities.
advance-fee loans fraudulent loan brokers misrepresent the availability of credit with a
guarantee to get you credit–but you must pay before you apply.
credit repair an appeal to clean up the credit reports of consumers with poor credit histories.
automatic debit scams fraudulent telemarketers use this technique to improperly take money
from checking accounts. DO NOT give out checking account information over the phone unless
you are familiar with the company.
fraudulent diets Americans spend an estimated $6 billion a year on fraudulent diet products sold
with advertising such as “The Amazing Skin Patch Melts Away Body Fat” or “Lose Weight While
You Sleep.”
magazine subscriptions scams beware of telephone sales pitches for “free,”“prepaid,” or
“special” magazine subscription offers.
toll-free scams calls to 800 and 888 numbers are almost always free. However, there are some
exceptions. Be careful.
international phone scams scam artists confuse callers by promoting calls to 809 numbers;
while these telephone numbers may look like domestic calls, international rates apply.
prepaid phone card scams selling prepaid calling cards may involve a multi-level marketing
scam with a large up-front fee.
online and high-tech scams common internet scams are pyramid schemes, internet related
services, equipment sales, business opportunities, and work-at-home offers.
14. “900” numbers
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what they are
■ One kind of telemarketing pitch, with a per-minute fee.
what to watch for
■ Failure to disclose any cost up-front, or at later times.
■ Enticements to call for bogus products or services.
■ Product or service pitches aimed at children or teenagers.
how to protect yourself
■ Deal only with reputable companies.
■ Know precisely what the 900 call will cost before making the call.
■ Think twice before calling a 900 number for a “free” gift.
■ Don’t confuse 900 numbers with toll-free 800 numbers.
■ Check your phone bill carefully for any 900 number charges.
if you’re caught in a scam
■ Call or write your telephone company immediately.
■ Dispute the charges with the 900 number company.
■ Contact the Federal Trade Commission.
15. contest cons
www.practicalmoneyskills.com consumer awareness slide 11-N
what they are
■ Promotions that use deceptively advertised prizes.
what to watch for
■ Offers or notices announcing “fabulous” prizes (often used to attract customers to sales
meetings for land, or for vacation “timesharing”).
■ High-pressure sales techniques.
how to avoid being a victim
■ Consider any purchase carefully before signing a contract.
■ Don’t be deceived by letters that look official or urgent.
■ Read the letter carefully.
■ Think carefully before you attend a sales meeting.
■ If you attend a sales meeting, don’t sign a contract or give a salesperson a deposit right away.
■ Find out about the seller’s reputation.
■ If a salesperson makes claims that aren’t in the contract, don’t sign the contract.
16. work-at-home schemes
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common schemes
■ Envelope stuffing
■ Assembly or craft work
■ Reading books
to avoid being a victim, find out
■ What task you will be required to perform
■ If you will be paid on salary or commission
■ Who will pay you
■ When you will get your first paycheck
■ The total cost of the work-at-home program (such as how much you will have to pay to get
the materials)
■ The company’s reputation (check with a local or federal consumer protection agency)
17. how to handle a consumer problem
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collect records
■ Start a file about your complaint.
■ Keep copies of sales receipts, repair orders, warranties, cancelled checks, and contracts.
go back to where you made the purchase
■ Contact the person who sold you the item or performed the service.
■ Calmly and accurately explain the problem and what action you would like taken.
■ Talk with the supervisor or manager, if necessary.
■ Allow each person you contact time to resolve the problem before contacting another person.
■ Keep a record of your efforts.
don’t give up
■ Call or write the person responsible for consumer complaints at the company’s headquarters.
describe the problem
■ Describe why you’re unsatisfied.
■ Detail what, if anything, you’ve done about it already.
■ Describe what you think is a fair solution.
18. how to write a complaint letter
www.practicalmoneyskills.com consumer awareness slide 11-Q
where to write
■ To the head of the company or the person who handles consumer complaints.
what to write
■ Your name, address, and account number, if appropriate.
■ Describe your purchase (name of product, serial numbers, date and location of purchase).
■ State problem and give history.
■ Ask for a specific action.
■ Enclose copies of documents regarding your problem.
■ Allow time for action or response.
■ Include how you can be reached.
don’t
■ Write an angry, sarcastic, or threatening letter.
■ Send original documents.
do
■ Type your letter, if possible (or handwrite neatly).
■ Keep copies of all letters to and from the company.