Low Cost Advertising and Scams Online

"A business without a sign is a sign of no business". This is an advertising banner or quotation that can be seen in large billboards along the roads and on the side or top of buildings that is vacant. Television and radio would say, "This program would not be shown or be heard without advertisement". It is true since most of us are watching the free television channel and programs are produced by payments of advertisements.

Business owners understand how important an advertisement is. It is in this manner that they would tell to everybody that they are selling products and offering services. They would not have sales, which in turn give them profit, if people would not notice and buy their products and avail of their services.

However, it is not happy to note that there are people who would try to steal money from advertisers and business owners by offering cheap advertisement packages and not delivering the agreed service. Business owners and advertisers should be informed of this because they would become victims of a scam.

The scam here is when the advertiser paid for these different kinds of services but none or some of them are not really even performed. The main point to consider here is to whom is the advertiser transacting with. To avoid being ripped off doing a background check by knowing the following will help.

-past successful projects as evident on customers comments

-a good reputation that will be confirmed by his references, (people that he's had past transaction with and that are also reputable)

The pay-per-click ad campaign is when an advertiser would pay a certain agreed amount by the search engine developers every time a user clicks on that banner. This was a good idea before it was not touched by hackers who developed a certain program to automatically click on that banner which increases the amount to be paid by the advertiser. The next paying scheme was the "pay per action", which is harder to hack since the advertiser would only pay the search engine developers an agreed amount every time a sale would be done on that customer.

One thing is for sure, advertising in the Internet is not easy but it is fun, especially when one understands fully the power of the Internet. It is not a unidirectional means of advertising like the television or radio, but it is an interactive avenue for both the advertiser and the prospective clients.

How to avoid a Timeshare Fraud

As with any kind of investment, the chances of your timeshare investment ending up in a fraud or scam are very much possible. A fraud or a scam can prove devastating for you both financially and mentally. It may take a while for you to recover from its backlash. Those of you who have already been a victim of these notorious frauds and scams can understand the trauma that they have experienced and gone through. That dream vacation that you may have been planning since a long time ended up being a nightmare for you. But if you think you are the first person to have been scammed hold on there are many more people may be in hundreds who have been the victim of this unscrupulous behavior of some individuals.

As a matter of fact the timeshares are one of the safest ways of experiencing many popular vacation places. How about a secluded journey to the geographical wonders of the world? How about that romantic getaway in a beach resort? Sounds exciting, but these are one of the marketing tactics used by the scammers to lure people into thinking about buying a timeshare. In fact this is their first victory in setting a trap for you. This does not mean that every timeshare company who uses this tactic would be a scammer. The essence of that is to be precautious and not get impulsive about it in the first go. Always think and rethink before making a decision on buying a timeshare. Restrain yourselves to the maximum.

One of the important criterions is selecting a right timeshare company. As a rule of thumb, always go with large, well established timeshare companies who have been in the business for years. In this way you know their history very well and their reputation in the market. They are less likely to fraud a person than a new or a small company. This is applicable when it comes to the resale of your timeshare property.

Many times the catchy style of marketing techniques of these scammers can easily raise red flags and you can avoid being scammed. It first starts with an invitation to a timeshare presentation. They offer you a gift if you attend the presentation which may look expensive but in reality is not. Sometimes they may also inform you that you have won a gift and you can claim it by attending the free presentation. And then once you fall prey to it and attend the presentation which turns to be nothing more than a gimmick, they start using pressure selling techniques and they won’t let you go out unless they have you sign something just like dealers selling used cars who say “we will sell you this car for this much price if you buy it today”. They may say the property is only 5 minutes walk from the beach but in reality it may turn out to be 15 minutes away from the beach. Sometimes the property might not be the same they described in their presentation taking advantage of the fact that nobody would go to Florida or Carolina to see the property themselves before buying it. And in some rare cases the property might not even exist at all. What we learn from this is to read the fine printed lines in the invitation if you are sent one. Never ever succumb to their pressure tactics and refuse to sign any kind of paper.

A much better idea is to consult a lawyer before signing any contract documents and see if all the promises that were made verbally are being fulfilled or not. Do your home work before buying a timeshare by researching the market prices in the location you are buying. And also ask for contact numbers of the previous customers. Make sure you call them and find out everything you want to know about the company and their properties.

Scam Domain Names

Do you think buying something as simple as a domain name means that industry is free from scams? If you do think again, since everyday hundreds of people get milked out of their money thinking they are going to get a perfect domain name. Granted, fraudulent domain name companies haven't received as much press as 'work-at-home' companies or other businesses of that nature, but they are still just as deviant. The two main ways a domain name company goes about scamming its customers involves either selling the domain name at a ridiculously high price and/or not delivering the domain name as promised.

The typical price of a domain name ranges from being 0 dollars to around $35. However, if a domain name company is shady they could charge a price that is much higher. This fee could range from $300 to over $2,000. And, unlike legitimate web hosting companies that might charge such a fee, domain name companies of a shady vein do not offer other services such as web hosting or marketing assistance. Their sole sale is of the domain name.

The second way fraudulent domain name companies scam people is by not providing a domain name at all. This happens a lot with so-called 'free' domain names, but can also happen with paid ones of any price. The normal turnaround time for domain name forwarding ranges from 1 to 7 days. If this timeframe has passed and a customer has not received a domain name, they probably won't receive one.

What does a person do if they discovered they've been scammed? Well, if they fall for the first scam where they pay hundreds for a domain name, they may not be able to do much, if the company does indeed deliver the domain name. At most they could try to get a refund, but this is a long shot since companies that shady probably won't allow for such things.

On the other hand, if a domain name hasn't been delivered at all, a person can first file a complaint with the Internet Crime Center, (also known as IC3). This organization has a partnership with the FBI and the National White Collar Crime Center. So, if they think a domain name company has acted in a fraudulent manner, they could use these entities to help conduct criminal investigations against them.

Next, the jilted party needs to consider filing a complaint with the Better Business Bureau. Although this organization doesn't have as many legal/governmental ties as the Internet Crime Center, it still has a lot of power. This is because many people turn to the BBB before they decide to do business with a company. By filing a complaint with them, a person that has been scammed could protect others from undergoing these same difficulties.

Finally, there's the option of reporting the fraud to the credit card company or payment processor. If a credit card company determines fraud has occurred, webmasters will at least get their money back. If payment processors such as Paypal think fraud has occurred, they will proceed with freezing the account of the domain name company. When this happens they cannot do further business until they clear up the discrepancy.

Latest Work From Home Offer Just Another Scam

Many Americans would love to work from home. The reasons vary; some people may not wish to commute and some may simply not enjoy working in an office environment. Others may have small children at home and would prefer not to have to enroll them in day care. Whatever the reason, companies that offer to provide people with an opportunity to work from their homes usually find themselves quite busy with inquiries.

While there are legitimate opportunities to work from home, many such offers are just scams designed to get the "employees" to part with hard earned money. A recent offer to work from home that has been circulating via e-mail is just that. The offer, from a company in Europe, offers a salary of several thousand dollars per week. Interested parties are encouraged to contact the company for further information

If you contact the company, you will be told that some checks in the amount of several thousand dollars are coming to you in the mail. You will be instructed to deposit them in your bank account, keep 10% for yourself as a fee, and send the remainder of the funds to an address in Nigeria. Should you do so, you will soon discover that the checks were forgeries, but the money that you sent to Nigeria was real. Your bank will want their money back, and you will be left several thousand dollars poorer.

This is just another variation of the "check overpayment" scam that has been making the rounds for a while now. In that scheme, someone who has something for sale online, such as on eBay, is sent a cashier's check for payment in an amount that exceeds the purchase price. The seller is asked to send the merchandise along with a refund for the difference. Again, the check is a forgery, and by the time the bank discovers that, it is too late. The money is gone.

Anyone looking for work from home should be cautious about jobs promising a lot of money for little or no work. A little common sense will go a long way here; no one is going to pay someone thousands of dollars a week for doing next to nothing. There are some companies that will hire people to work from home, but most such offers are simply attempts to steal from well meaning people.

Revealed, Get Rich Quick Scams

Wouldn't it be nice to make a bundle of money quickly, with very little effort, working on your computer at home? You know it Would Be! I know for me I also would love to have money constantly going into my bank account day after day while working only a few hours each week, This way I could have more quality time to enjoy with my wife and kids, without a nasty boss always pushing me and having to deal with a horrible daily commute and difficult co-workers!!

Whether it's real estate investing, using classified ads, investing in the stock market, internet affiliate marketing programs, or other online businesses, All of us are constantly bombarded by the fantastic claims of people selling "Get Rich" programs in which they CLAIM people are making tons of money, AND how they can show you how to do the same thing FOR A PRICE! I can tell you right now, with great certainty that 99% of these folks and programs are total scams! You like me, may have even been duped into believing and buying one or even more of these "get rich now” products. I have bought so many of these products that I have forgotten how many!!

What a waste of time and hard earned money! I don't know why, but I guess it has to do with the fact that I believe that most people are basically "good", and as a result I was "sold" by these hyped up marketing schemes again and again, Ouch that hurt! Finally after being consistently let down and scammed yet again, I just got FED UP! I then decided to finally get to the bottom of this fascination we all have with these "GET RICH" products and programs. I then decided to find out if there really were any REAL programs for making a living online!

I actually contacted the people behind every "get rich" website I could find in my extensive research over the last 4 years! I posed as an investor and managed to persuade the owners that I was someone intent on buying their website business. This way, once the big dollars were being dangled in front of them, they would give me free access to their member’s areas to review the websites and products I would be buying! Well as I mentioned before, I was completely repulsed and disgusted by 99% of what I found! (No big surprise after the 200th website I investigated!) You know what? Most of the owners (91%) boosted about how many people bought their bogus programs! Here is what I found again and again:

* Links in their products that did not work!

* Outdated Information

* Links to their other websites asking for More Money!

* No help for customers after buying their Program!

* No email support after purchase, no email at ALL!

I realized that these so called "GET RICH" products and websites were completely misleading scams and worthless! And you know what? The owners totally knew it!

But they told me they were very happy on their way to the bank! (Laughing all the way!) Needless to say I failed to reply when I was contacted about purchasing their websites! Interestingly while doing all this extensive research on all these bogus websites, rip off programs and Get Rich Scams.

I did find a few reputable business men that sold PROFITABLE programs that actually do make money for their customers.

I found that the business owners were just every day people similar to you and me that had found strategies that worked to make money online regularly and consistently.

I thoroughly checked out their programs and websites and I was very impressed with the wealth of current, practical strategies and information that they provide. Their products really work! Their programs and websites on making a living on the internet are making people an average of $100 to $300 per day using their computer at home and doing very little work. I did some further research on their programs on various online forums to see if what I was told was true, and you know what? People were very pleased and highly recommended these products; they told me they were making good money REGULARLY! They were extremely satisfied with the products and really enjoyed being able to make real money by working at home! It was wonderful to find out that after all my research I actually had some real products that I could in good conscience recommend to people who want the freedom that a real online business can provide. Please don't just believe me, just check out the links below and see for yourself! You will be glad you did!

They do charge a fee to access their programs, which is to be expected for any legitimate company that actually has people on staff who are dedicated to helping you get started. If you decide you are interested in any of the programs, I suggest you act quickly, as I have been informed that they are getting so many new members by word of mouth referrals that they may be closing off membership in the next few days. (You didn’t hear that from me!)

Well my search for legitimate "GET RICH" programs has finally come to an end. I must say that I was so thoroughly disappointed and frustrated with 99% of what I found that I encourage you not to waste your time and your hard earned money joining any programs

other than those listed in my website below

I wish you the best of luck in whatever you do, and hope the financial freedom you seek for you and your family comes to you soon.

Personal Loan Scams

Personal loans are a great way to generate the revenue you need for a variety of needs. Such loans can be secured by banks, loan companies, private investors, and online lenders. It is important that you are aware of personal loan scams and how to avoid them. This type of scam was ranked #5 in the United States for the year 2000. On average, each person scammed lost $464. As a result, the Federal government has been working hard to educate the public about such scams.

The advanced fee personal loan scam is the most common method of taking your money and running. Most victims of such a scam never report it to the authorities because they are embarrassed that they feel for such a ruse. Victims also feel angry. They obviously needed money or they wouldn’t have applied for a loan in the first place. They now have less money than they did to begin with. Those who do report the scam are often frustrated because the perpetrators are very seldom caught and brought to justice. It is very important that you do report any such instant of advanced fee personal loan scam. If you don’t, you are further enabling the predator to do it to others.

Advanced fee personal loan scams work on those who are desperate for a loan, over trusting, uneducated, and who have bad credit. More than half of advanced fee personal loan victims are under the age of 30. The lender tells the applicant that they guarantee they can work with their situation, but that there is a loan processing fee involved. This can be a fee hundred dollars or more. With the technology available now, it is not uncommon for the operators of these scams to have websites and even 800 numbers for you to call. They will send you letters that look so official, you won’t give them a second thought.

The stories of those victimized by such advanced fee personal loan scams will break your heart. One woman had been laid off and was about to be evicted. She found another job and applied for a personal loan to get caught up on the rent. She paid the lender almost her entire first paycheck for so called processing fees on this loan they guaranteed she was eligible for. She was understandably upset when she was evicted as well as found out the lender had taken off with her hard earned money.

To protect yourself from falling victim to advanced personal fee loan scams, be careful who you attempt to borrow from. Make sure they are a reputable company. If they are an online business, check them with the Better Business Bureau. Make sure you enter there business name exactly as they list it. A well known practice of this scam is to use a name very similar to an actual reputable lending institution that applicants may be familiar with the name of.

For those of you with bad credit or no credit, don’t believe something that sounds too good to be true, it likely is as the saying goes. You may have to pay a higher interest rate if you have bad credit or no credit, but you should never have to pay any fees up front to apply for a loan or to have it processed. Some personal loan scams will call the fees you pay the first month payment or a high risk deposit. Applicants need to be aware that no such things exist. As a matter of fact, any lender must allow you to have access to the funds for minimum of seven days before they can collect a first payment. You can check the legitimacy of any fees charged by a financial institution with the Federal Trade Commission. If you are facing financial difficulties, look for advice from a reputable non-profit credit counseling service rather than a lender.

Avoiding Online Gambling Scams Before they Happen

Gambling scams were never as recognized and as widespread as when it finally came in contact with cyber space. Online gambling, although beneficiary for those gambling aficionados, allowing them to gamble and avail of the enjoyment at home, also has some of its downsides more specifically the existence of online gambling scams.

Online scams usually include the refusal of a certain game company to "give you" your winnings. Some gambling scams may even go as far as totally refusing to let you win with absurd probabilities, and then refusing to let you cash out the remaining money you’ve got left.

One way to avoid these scams is to know what they are. Here are two most prevailing online gambling scams that you should be aware of, and should be able to detect easily.

Illegitimate Bonuses

Some gambling companies even go as far as inviting their former scammed customers under the ruse of “bonuses” telling them how sympathetic they are about you being scammed, and offering a bonus if you play with them instead. Just think, where did they get your contact details? Well they got it from that short form you filled out when you joined the first scam casino, and they’re actually looking to rip you off again.

What do they do? When it’s actually time for you to claim your bonus, they say that you are ineligible to receive the bonus.

To avoid being re-scammed, never fall for these types of offers. Even if you haven’t been scammed yet, they’d still send you a bonus offer then refuse to give it to you once you’ve deposited your money. A good rule of thumb with online gambling, if it’s too good to be true, then it probably is.

Piracy

One way to know a legitimate online casino is its affiliations and memberships; one such is the Interactive Gaming Council (ICG). However, logos provided by such organizations can easily be copied on the net, and what scammers do, is they imitate, sometimes, go as far as duplicating the design of a legitimate casino to pass off theirs. It is a good measure to look up the name of the online casino on the members list of the certain organization. ICG and others usually provide an easy to browse and search members list on their web sites.

To make sure that the casino you’re subscribing to is legit, type the company name and the word review in the search engine and read about them, you’ll more or less get an idea of how they work.

Auto Leasing Scams

Car-leasing has been lauded as a more attractive alternative to buying, offering in the process the flexibility to drive a new car for less. The reality, however, is that leasing is an option that is fraught with many pitfalls for the average customer. Leasing regulation does not require as much disclosure as buying a vehicle. This has given rise to many leasing scams that trick the customer into believing they are into a good deal when, in effect, all he is getting is a rough deal on the dealer's terms.

Here we look at some of these common scams and how to avoid them;

Artificially low interest rates:

Some dealers quote a lower interest rate when in reality it's much higher. They do this by either purposefully quoting the money factor as the interest rate or calculating the loan without amortizing some closing fees, like the security deposit, into the loan lease. Take the money factor for example: this is typically expressed as a four decimal digit, something like 0.004. Some dealers quote this as a 4% interest rate when in fact you need to multiply it by 24 to get a rough idea of the interest rate on your loan. In this example, the interest rate is a much higher 9.6% than the “quoted” rate of 4%. Make sure you crunch the numbers and understand the formula they use to calculate their interest rate. Look out for any fees not factored into the calculation. If you are not satisfied, do not enter into the lease agreement.

Terminate your lease early for a low penalty

This is an all-time leasing scam. You ask your dealer how much you will pay if you want to terminate your lease and he tells you: “You want to get out early? Sure thing, you only pay an early termination fee of $300”. What he is quoting is only the small administrative penalty of early termination, there is a much stiffer penalty called early termination fee and this runs into thousands of dollars. Do not confuse the early termination administrative penalty with the termination fee. Read the small print carefully and know exactly how much you will get charged should you terminate your lease before its scheduled end.

Pay for an extended warranty you don't need

This is another shell game to inflate the dealer's profit at your expense. The dealer slides an extended-warranty into the deal whilst it's already factored into the monthly payments, or he tricks you into buying a 36-month warranty on a 24-month lease. You do not have to pay extra money for a warranty already built into your payments or for one that goes well beyond your lease term. They might slip an extended warranty in. Don't be fooled, the warranty is already factored in.

No security deposit

Any dealer who advertises a $0 security deposit is not telling you the whole story. A security deposit is always factored in the lease under the provision for disposition fees.

Protect Yourself From Fraud While Making Money On Craigslist

You can make money on craigslist.org, Just as easily as you can make money, you can also lose it. There are many unscrupulous individuals out there who are just waiting to take your money and run. So how do you protect yourself from fraud while making money on craigslist.org?

There are many things you can do so let's start with the very basics. Craigslist.org has a short piece on how to protect yourself from fraud. Before you start to buy and sell on craigslist.org you should familiarize yourself with this document. This however, is just the first step.

Now that you have read that article on craigslist.org, let's review it here and build on the concepts that it covers. First, remember that craigslist.org is a local list. Any communication from someone outside the general area, especially from outside the country, should be viewed with suspicion. There are plenty of check, certified check, and money order scams out there. This is also true for wire transfers. Here is a good way to protect yourself from fraud while making money craigslist.org. Never accept a check, or certified check from someone outside of the US. If you decide to sell to someone in another location, request that they send you an international money order. This can be cashed at the post office and it is traceable. Never ship goods until the payment has cleared. Do not fall for the partial payment. Never ship COD, never ship until you have cleared available funds that are payment in full. Overall it is safer not to deal with anyone who is not local. A face to face transaction is far better than one where you never meet your customer.

After covering payments, we need to cover other types of scams. Get cash whenever possible. This avoids most problems. Let buyers know that your sale is as is, no refunds not returns accepted. Craigslist.org will not get involved in any aspect of the sale. They do not offer "safe harbor" like eBay, they do not certify buyers and sellers, and they do not offer buyer or seller protection. If someone is touting themselves as craigslist.org certified, they are lying. Do not conduct business with them.

Here are some other things to be aware of. Always set up a meeting to see the merchandise that you are buying. Craigslist.org is a local community website. Anyone who does not want to meet you or if they do not want to let you see the merchandise first hand that you are buying then chose another seller.

Are you looking for a work at home opportunity? While there are legitimate offers out there, be very careful about assembling items at home, envelope stuffing, medical transcriptions, and just about anything else that seems too good to be true. If it seems too good to be true it usually is. Do your homework before deciding on a work at home opportunity. Unless you are looking for a business opportunity like Tupperware or Avon, you should not have to put up any money for a work at home job. Be wary of commission only positions as well. If in doubt, check with your state attorney general's office and the Better Business bureau. These entities are there to protect the consumer so you should make use of them. Neither agency will charge you for your request.

Now that you know a little bit about how to protect yourself from fraud while making money on craogslist.org, remember to always keep these items in mind when dealing with someone you do not know. The idea is to make money, not to lose it. A little common sense will go a long way. So be careful and make sure that you know who you are dealing with and what you are getting into. You can always walk away from a deal. It may be difficult but it is preferable to losing a lot of money.

Work at Home Employment Scams

This article is not aimed at discouraging people from starting Home based business through the Internet, but to guide the people about the Business opportunities available on the net that are bogus and illegitimate. These are more popularly termed as Scams. There are numerous opportunities available on the Internet for starting a home-based business successfully. Some of these opportunities are really success oriented. However all these business strategies require hard work and dedication besides thorough knowledge about the market.

Some of these opportunities are quick and easy way of making money. Before getting involved into any business opportunity through the Internet, people must make themselves cautioned against the fraudulent scams. They should not get carried away by people who try to fool others using fake testimonials, documents, guarantee cards, and offering huge income potentials in short period of time.

There are many reliable work at home jobs on the Internet. These jobs do not claim to give easy money in short period of time. These jobs are based on hard work and open-minded communication between the employers and trusted employees through telecommuting. These jobs are more or less similar to the regular jobs in many ways. The employee must first qualify for the job that is offered. He must then develop trust with the employer through dedicated work. Most of these telecommuting jobs are treated as part time opportunities. Another way of working on the Internet is to work as freelancer or on independent contract. You can work as article writer, consultant, editor, designer and numerous other ways. With all these type of opportunities the risk of getting involved in scams is less.

The Internet business opportunity scams are more common in sales endeavors. The scrupulous people who run the Internet scams are always on the look out for a naïve wishful and desperate surfer. Many homemakers, and elderly people become a prey under these scams. Before getting it to any business option, people must get a thorough knowledge about these scams. They can get all the necessary information from the Better Business Bureau and Federal Trade Commission. These organizations help you to keep away from the Internet based scams and also help to verify the offers on the net and file complaints if necessary. Another way to avoid scams is to start up the home based business after getting the necessary information from the Small business Administration.

It is essential for people to come forward and report the scams however small be the money involved. Scams have proliferated through Internet because of the access to millions of customers. The most commonplace for Internet scams is through the auction sites. Fraudulent merchandise sales sites are on the rise. The scammers try to allure customers by offering hard to find goods such as electronic gadgets. Thousand of shoppers who whisk their money have never received their goods. The people are advised to be skeptical of sites, which offer the goods at incredibly low prices.

Weight Loss Products: How to Spot a Scam

Are you looking to lose weight? If you are, there is a good chance that you will start your own weight loss program. When many individuals start their own weight loss programs, they do so with the help of a number of weight loss products, like diet pills or exercise equipment. If you are interested in buying these types of weight loss products, you need to always be on the lookout of scams, as they do exist.

When it comes to weight loss products, like exercise equipment and diet pills, many people automatically wonder how they can tell if they are being scammed. Unfortunately, you often cannot tell by reading an advertisement in a magazine or online or by watching a television infomercial or even by looking at the weight loss product in question. The best way to determine if the weight loss product you are interested in buying is really worth your money is to do research first.

When it comes to researching weight loss products, there are a number of different ways that you can go about determining if the product or products you want to buy are worth the cost. One of the easiest ways to go about doing so is by visiting the online websites of retailers that allow their customers or the general public to rate or review their products. Many consumers like to alert others to a product that is a waste of money or even alert others to a product that is well worth the cost. If you are able to find weight loss product reviews, you are advised to read them.

When reading weight loss product reviews, like product reviews for diet pills or exercise equipment, it is important to remember that no product is perfect. Even the best products, like the ones that come highly rated and recommended, will have a few bad reviews. What you need to be cautious of is any weight loss product that has more bad reviews than it does good reviews. This is a surefire sign that the weight loss product in question may not be worth your money.

You can also find product reviews or just specific weight loss products being discussed by performing a standard internet search. When performing a standard internet search, you will want your search phrase to be the name of the weight loss product in question. Your standard internet search may lead you to online message boards where weight loss and other health issues are being discussed. These types of websites and message boards are a great way to also learn about weight loss products that you may not have otherwise came across.

Another way that you can determine if you are being "scammed", by a weight loss product, is by examining the online website of the product distributor or manufacturer. When you buy a diet pill or another weight loss supplement, you should be provided with as much information as possible. Be cautious of any product whose website only claims to help you lose weight, but doesn’t explain how it is done. The same can be said for exercise equipment.

Another great way that you can determine if the weight loss products you are interested in buying are worth the money is by speaking with your doctor. Often times, you don’t even have to schedule a visit; a telephone call should get you the answers that you were looking for. Most doctors can let you know if a weight loss pill or supplement that you are interested in buying is worth the money. If they can’t tell you about the specific product in question, there is a good chance that they can at least review the ingredients with you. For exercise equipment, your physician may also be able to provide you with advice.

Of course, if you have the money to spend on weight loss products, you may be interested in going ahead and buying the product or products in question anyways. That is fine to do, but you also need to remember that many weight loss products, especially the ones featured on television infomercials are priced relatively high.

How to Spot and Avoid Equity Scams

Most lenders on the equity loan marketplace are legitimate lenders; however, a few lenders are taking the less fortunate for a ride. These unscrupulus lenders offer appealing loans, yet fail to tell the borrower about hidden charges or "balloon" charges. Hidden charges are often stripped from loans, since the APR is a supposed security to borrower that weeds out hidden fees.

"Equity Stripping" is one of the leading scams on the loan marketplace. The lenders engaging in "equity stripping" will often present to borrowers (too good to be real) deals, leading them to believe that they are saving money. Thus, once the borrower agrees to the contract, the lender will pose new charges, high interest, and other fees that puts weight on the borrower, until he or she breaks and fails to make payments on the mortgage. The lender then repossesses the home, selling the house for profit while the borrower is standing on the corner, wondering where he will live next.

Thus, the Federal Government has provided information to help borrowers avoid losing. Since equity stripping is becoming a huge industry, the Fed’s advise homeowners to watch out for equity stripping, including paying attention to lenders that are offering loans that reach above your wages.

The feds also advise borrowers to stay alert to "loan flipping", which is the process of switching loans regularly and requesting larger amounts of cash on each refinance applied. If a lender is pressuring you to sign an agreement, you will need to find another lender, since pressuring borrowers is a surefire tip that the lender is out to take you for a ride. You will also want to consider PMI, which is personal mortgage insurance, which is a requirement; however, few lenders attempt to charge for additional coverage that is not needed. Thus, homeowners, especially the less fortunate, should adhere to advice and read details of any loan offered thoroughly.