The big bright eyes, the wet little nose, the soft fur fringed around a face you want to cuddle and coo. You’ve fallen in love with a picture of the cutest puppy (with a bright red bow), after responding to an ad that says “free to a loving home.”
What’s not to like about the convenience of free public Wi-Fi? It’s nice to be able to connect to the internet when you’re away from home. Unfortunately, these hotspots often aren’t secure. If you go online using public Wi-Fi — like at an airport or a coffee shop — you may unintentionally share personal information with strangers.
When you were in school, did you learn about managing your money? I remember learning how to write a check — strangely enough, in music class — but that was about it.
A new resource from the Federal Trade Commission takes you through important steps in managing your money. This section of consumer.gov talks about making a budget and opening a bank account, using debit cards, and saving money when you shop. It also gives you information about prepaid cards, using phone cards, and sending money overseas.
Tax season is here. It’s time to get your files and forms in order. You may be well-versed in W-2s and 1099’s, but do you know that an identity thief can mess up your tax files or even get to your tax refund before you can file for it?
The FTC recently completed its fifth national study on the accuracy and completeness of consumer credit reports. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
You read the news to get the facts. But what happens when that “newsy” site isn’t news at all?
A company that used fake news sites to push acai berry supplements and other weight loss products has agreed to settle FTC charges. The agency has already stopped others that used wanna-be news sites and phony testimonials from supposed reporters to push their products. The M.O. is to make people think the site — and the reporters — are part of legitimate and trusted news organizations, name-dropping CNN and Consumer Reports, among others, to add credibility. But the fact is the sites were ads, masquerading as news.
Have you ever wanted to know what to do about a problem, but not wanted to read lots of information to get your answer? Sure, it might be interesting, but in that moment you just want to know what to do.
If your problem was a consumer protection issue, we may have your answer: consumer.gov. It’s a free new resource from the Federal Trade Commission that gives you the consumer protection facts, plain and simple.
If you owe back taxes, you may be tempted to turn to companies that claim they can reduce or eliminate your tax debts and stop back-tax collection by applying for IRS hardship programs. The truth is that most people don’t qualify for the programs these fraudsters hawk, their companies don’t settle the tax debt, and in many cases they don’t even send the necessary paperwork to the IRS.
The FTC recently settled a case against American Tax Relief, which bilked consumers out of more than $100 million by falsely claiming it could reduce their tax debts. Under the settlement, the scammers are banned from telemarketing and selling debt relief services, and must surrender more than $15 million in cash and assets to settle charges that they violated federal law.