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Posts Tagged ‘consumer’

September Is National Coupon Month!

September 4th, 2009 by Matthew C. Keegan | 2 Comments | Filed in Consumer Tips

Happy September…and a Happy National Coupon Month to you and yours. Yep, as odd as it sounds there is a month set aside each year to honor the much-maligned, but honorable coupon. And, there is even a group behind that effort, a trade association known as the Promotion Marketing Association Coupon Council (PMACC).

Coupon Usage Is On The Rise

You can keep more money in your piggybank if you decide to clip coupons.

You can keep more money in your piggybank if you decide to clip coupons.

According to the PMACC, shoppers are using coupons a lot, noting that for the first half of 2009 alone, coupon usage increased by twenty percent. A double-digit increase in coupon usage began in the fourth quarter of 2008, which was mere weeks after the stock market collapsed in mid-September.

“Coupons are even more influential in consumer purchasing decisions today due to the economic downturn as shoppers realize it’s the smart thing to do,” says Charles Brown, Co-Chair of the PMA Coupon Council. “Both manufacturers and retailers are promoting at a greater pace to appeal to consumers who are seeking deals to stretch their budget and changing their spending habits in ways that are expected to continue permanently, even when the economy recovers.”

What About the “Y” Generation?

Well, I’m not sure if consumers will permanently embrace coupons, but if they’re as easy as the “clipless” kind then that may hold true. Sunday and Wednesday papers traditionally have had the bulk of coupons, but with newspaper readership plunging, there is a new generation of shopper coming up who has embraced all things internet.

The trade association claims that $400 billion in discounts are available every year for shoppers including coupons. The group claims that the average American family can save about $1000 per year on their groceries by clipping, a task that they say takes only fifteen to twenty minutes a week to accomplish.

Get Organized In Order To Save

“Organization is key,” said PMA Coupon Council Co-Chair Matthew Tilley. “Many shoppers sort coupons by category and keep their coupons in a file or envelope. But no matter how you organize your coupons the point is to be sure you take them with you to the store. When it becomes part of your shopping routine, the savings can be enormous.”

How about your family? Are you clipping coupons or are you relying on a store card for savings? I’m sure there is a handful of readers who don’t clip coupons. Period. What say you?

Adv. — Visit the nBuy Shopping Plaza to find savings on all of your purchases. You can earn shopping rebates, find school supplies, and save on stuff for your car.


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Debt Collector Scams And How To Avoid Them

August 25th, 2008 by Matthew C. Keegan | 2 Comments | Filed in Consumer Tips

A sour economy means one thing: the most dishonest and creepiest people are fast at work, contriving ways to steal money from the unsuspecting consumer. One scam now going on in West Virginia should catch the attention of anyone who has had a payday loan in the past: some Phone Scams
so-called “debt collectors” are calling people up and demanding payment on loans, loans which have long been paid off or were never taken out.

Representing Fake Companies or Organizations

According to West Virginia Attorney General Darrell McGraw, one particular band of scam artists is calling people up and telling them that they represent U.S. National Bank, Federal Investigation Bureau, United Legal Processing, or some other phony named organization. No real names or addresses are used and it is thought that the heavily accented English speaking callers may be calling from overseas.

Posing as law enforcement officers, bankers, investigators, and lawyers, the callers threaten to have the person arrested for committing “bank fraud” or some other alleged, but ficticious crime. They’ll usually underscore their threats by saying that they’re “filing an affadavit against you” or “we’re downloading warrants against you.” In some cases the callers are stating that “only God can help you now.”

West Virgina’s Attorney General Speaks Out

Attorney General McGraw stated, “Ordinarily my office protects consumers from fraudulent activities by seeking injunctions in court. But legal action cannot be taken until the scam artists can be located. Even then, it is unlikely that the persons behind the fraudulent calls and extortionist threats would obey a court order. In this case, the consumer’s best defense is to be armed with the knowledge of the scam so that all demands for money can be resisted, despite the false but scarey threats of arrest.”

McGraw added, “Because the fraudsters make a special point of calling consumers repeatedly at work, employers must understand that the consumers are innocent victims of a criminal enterprise and cannot stop the calls from coming. I also wish to assure the citizens of West Virginia that my office will continue to do everything possible to locate and shut down the outlaw debt collectors.”

How To File A Complaint

Consumers in West Virginia and elsewhere are being urged to not respond to these threats. Instead, they are being advised to visit a special site the state has set up to follow this scam at http://www.wvago.gov/internetloanscam.cfm. In addition, consumers can call the Consumer Protection Hot Line, 1-800-368-8808, or by obtain a complaint form from the Attorney General’s web site.

For residents of other states, contact your state’s Attorney General’s office for guidance.


Consumer Tips

Arranging Home Financing

Student Loan Options

Unique Buys For The Home

Working With A Contractor


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