A warranty is essentially a contract between a consumer and a company. A person buys a warranty with the assumption repair services will be provided if the covered product no longer works. It seems pretty cut and dry, but warranties are not always so straightforward. The devil is in the…
The market is not perfect. Products and services might be defective or have poor quality. Group legal plans offer benefits to help with many legal issues. It is all well and good, but consumer protection is a pre-paid legal service benefit many Plan members need. Protected by Paper We expect…
Graduation presents are not always gift cards. A smartphone, tablet, car, or another very expensive product might be the reward for getting a diploma. Smart shoppers will get a repair warranty on those big-ticket items. Unfortunately, buying the warranty doesn’t always mean you can use it. The Murky Wording of…
Credit cards are a major part of American commerce. People try to use credit cards as little as possible and some will try to do without credit completely. This is almost impossible. Emergencies arise that require the use of credit and retailers encourage the use of credit cards with special…
Consumer protection is not intended to be a corporate headache. It is a means by which any company, including a service provider, is held accountable for its marketing claims. Promises of high-quality efficiency are used to encourage consumers to purchase goods and services. Consumer protection law guarantees these assurances are…
American consumers have a right to good service and top quality. Whatever is purchased should be as it is advertised and offered to the buying public. That doesn’t always happen. Products or services are sometimes less than expected and warranties are not honored. Group legal plans ought to have a…
There is a little bit of a letdown after the holiday season. There are emotions and expectations that surround the gift giving and people want to be able to enjoy the presents they received. Big-ticket items such as widescreen TVs, personal computers, smartphones, and other electronics should work. Unfortunately, some…
We Educate People on House Purchases It is only natural for a person to dream of buying a house. It is something every consumer would like to have: a place to set down roots and raise a family. Homeownership is not out of the question but for some people…
The Bills Are Controllable Folks need to understand deductibles will renew annually. For example, let us suppose that a person has a deductible of $5000 and a medical procedure consisting of a surgery and physical therapy each costing $5000. Let us also suppose that the surgery is performed in 2017…
You Don’t Have to Accept Faulty Merchandise Your child gets a brand-new toy for Christmas while you get an innovative appliance or perhaps a very interesting computer gaming. It’s all a part of the excitement of Christmas to get something new, and Christmas presents are used quite a bit…