Molly Mormon

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STOP! Put your money away. Alot of people are after your cash, and you, quite understandably want to hold on to as much of it as you can. Last year alone, Americans frittered away more than $1 billion according to the FTC. How can you tell which are the deals and which ones aren’t?

Watch for these Red Flags:

•  Claims that you’ve won a “free” prize, or a fee to collect your “winnings” for a contest you haven’t entered.
• Companies that offer freebies to entice you into attending a high pressure sales presentation, where there may be  more incentives. You could lose sight of just how much this “free” deal could cost you.
• Promises of insider discounts, special deals, or secret information offered exclusively by a firm. Often you can find better offers on your own.
• Sales people who pressure you to make an immediate financial commitment or to sign a contract you haven’t read.
• Contracts or forms that are hard to understand. Even minor mistakes in filling out the form may be used as an excuse to avoid honoring the agreement.
• Companies that won’t put their prices or promises in writing. A legitimate firm stands behind its deals and wants to give  you what you need to make a smart decision.
• Firms that do not provide contact information or that provide only an email address or a post office box. After all, if you can locate them, authorities can too.

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