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| failure to plan Not making shopping lists, spending plans, doing comparison shopping, etc. |
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| Not securing personal information and property |
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| Not reading labels, fine print, contracts, sales offers, etc. |
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| Not asking questions, discussing purchases, saying “no” when needed |
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| A plot designed to trick someone; a deception |
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| To tell an untruth/the habit or practice of telling untruths |
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| Hiding information; hiding the truth |
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| A scam that usually involves a “get rich quick” chain letter, sending money to others in order to, supposedly, receive money in the mail yourself |
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| A letter asking one to send several letters with money in order to, supposedly, receive money in the mail yourself |
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| high-pressure sales approach |
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| Using extreme tactics to persuade a consumer to buy |
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| Offers that withhold certain details, expecting one to pay up front to get them |
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| States that one has won a valulable prize, but must pay a fee to claim it |
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| Prizes awarded by chance after purchase of a ticket; very small chance of winning |
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| earn-money-at-home offers |
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| Offers that hinge on a consumer first purchasing something |
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| A stipulation or prerequisite |
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| A scam artist my notify you that you have the winning bid, ask for money, but never ship the item purchased |
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| Stealing one’s personal information to commit theft or fraud |
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| Means of communicating---e.g., word of mouth, telephone, texting, emails, etc. |
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| FTC; a government agency to assist consumers who’ve been victims of fraud |
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| National Consumers League |
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| Has a website where incidents of consumer fraud may be reported |
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| A local consumer protection agency |
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| This state office assists consumers who have been victimized by fraud |
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