Educational Consumer Tips
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Offers to try out products “for free” are enticing. If you don’t like the product, no harm
done. Unfortunately, these offers aren’t intended to work that way.
Parents interested in saving for their child’s college education have two types of 529 plans from which to choose: college savings plans and prepaid tuition plans. The college savings plan allows earnings to grow tax-deferred and withdrawals are tax-free when used for qualified education expenses, according to FINRA, the Financial Industry Regulatory Authority. Every state offers at least one of these plans. Some states offer both, and a consortium of private colleges also offers a prepaid tuition plan.
The company you are inquiring about may be an advance-fee loan company. For a payment in advance of receiving the loan, these firms offer to obtain loans for consumers or businesses who may be unable to borrow from traditional sources. The reality is that banks and lending institutions do not loan money without careful analysis of your credit rating. And, when they do, they do not charge in advance because it is illegal. This practice is known as advance fee lending. If you are required to
An annuity is a contract between you and an insurance company in which the company promises to make periodic payments to you, starting immediately or at some point in the future. Annuities can be purchased either with a single payment or a series of payments called premiums.
Unlike stockholders who own equity in a company, bondholders are creditors. The issuer is obligated to repay the principal and interest within a stated period of time. Corporations, states, municipalities and the federal government may issue bonds. Their prices rise or fall in relation to interest rates.
When it’s time to take your vehicle in for regular servicing or repairs, it’s best to go prepared.
A backyard playset is one way to keep active youngsters busy outdoors any time of the year, but especially during warm-weather months. Playsets can cost a couple hundred dollars up to thousands.
Many people open a savings account to begin or a maintain a savings program. These accounts typically have the lowest minimum deposit requirements and the fewest withdrawal restrictions. But they also pay the lowest interest rates of any savings product.
If it’s time to do major trimming of trees and bushes, if your fruit trees need preventative spraying or if your shrubs are being attacked by unknown bugs, it’s time to call in the experts. Where to start? Better Business Bureau Serving Northern Colorado and Wyoming offers these tips:
Tax preparation professionals offer a variety of services in addition to completing your return. They are familiar with tax-saving strategies, can help you organize and plan for next year’s taxes and help you determine if you are required to pay taxes each quarter. Make sure you choose a preparer who offers the services you need.
A wood or vinyl deck helps to extend living space into the outdoors. Whether you want a simple deck or an elaborate showpiece, you’ll want to follow BBB’s guidelines for finding a reliable deck contractor.
If you’re considering building a fence around your property, you have lots of choices when it comes to the type of fence and who will install it.
If you have a gravel driveway or one in need of repair, you might be visited by a salesperson offering to give you a deal of a lifetime on asphalt. The sales spiel will include the fact that a job in the neighborhood has been completed and there’s leftover asphalt.
Before investing money in a business opportunity or franchise offer, Better Business Bureau® Serving Northern Colorado and Wyoming advises that you research the business, determine your skills and needs, and the viability of the business within your market.
The BBB® suggests that if you are considering membership in a buying club, first compare the prices and services of the club to retail stores and other such services. Consider the amount of merchandise you would have to buy to make up for the cost of the membership.
It's important to know your rights regarding debt collection. Both federal and state laws require businesses and debt collection agencies to follow certain rules.
Despite companies' promises to "clean up" or "fix" your credit record, negative information in your record which is accurate cannot be erased. Federal law allows such information to be reported in your file for seven years, or ten years in the case of bankruptcy. Credit repair firms often challenge all negative items in a credit report, and if the credit-reporting agency cannot verify the information within a reasonable period of time, the information is removed, but it may be only temporarily
If you are concerned that your credit or debit card has been compromised by a data breach, Better Business Bureau offers the following recommendations:
Usually consumers are asked to subscribe to discount health plans for a monthly fee. In return, they receive a card which claims to save them money by offering discounts on physician visits, hospital stays, prescription drugs, dental work, eye care or other medical treatment.
Planning to add new plant life to your yard? BBB offers these tips on finding a reputable nursery so that you can create a thriving garden or landscape.