Health & Fitness

So, a frog hops into a bar and says, “Hey, did you hear the one about DermaTend?” Apparently, explained the frog, ads said this product removed moles, skin tags and warts — fast and permanently. Better yet, it was supposedly doctor-recommended and clinically proven. Said the frog, “Sounds like the answer to a frog’s dream, right? But then I heard the FTC just filed a complaint in federal court charging the advertiser, Solace International, with deceptive advertising. And that’s no joke.”

Close to half a million people who bought Sensa, a sprinkle-on weight loss product, will share more than $26 million in refunds, thanks to the FTC. The money comes from the FTC’s settlement with Sensa’s marketers, who said their powder would help people lose weight. According to the FTC, the company didn’t have the scientific evidence they needed to back up the claims.

It’s open season for everyone who wants to switch health coverage. As you select your health insurance plan, watch out for scams. Whether you are on Medicare, selecting a plan through the Affordable Care Act (ACA), or have private insurance, here are some tips to help you more safely navigate the open enrollment season.

The story: a company says its product will help you lose weight without diet changes or exercise, and you can try it free — 100% satisfaction guaranteed.

The reality: the company can’t support — or deliver on — those weight loss claims. If you give your credit or debit account number, you get charged $60 to $210 every month — and it’s almost impossible to get a refund.