Archive for September, 2008
The 4 Consumer Rights
The following four rights are the basis of much of the consumer-oriented legislation that has been passed during the last thirty years. These rights also provide an effective outline of the objectives and accomplishments of the consumer movement.
- The right to safety
The consumers’ right to safety means that products they purchase must be safe for their intended use, must include thorough and explicit directions for proper use, and must be tested by the manufacturer to ensure product quality and reliability. Business firms should also be aware that consumers and the government have been winning an increasing number of product-liability lawsuits against sellers of defective products. Moreover, the amount of the awards in these suits has been steadily increasing. Yet another major reason for improving product safety is the consumer’s demand for safe products. People will simply stop buying a product they believe is unsafe or unreliable.
- The right to be informed
The right to be informed means that consumers must have access to complete information about a product before they buy it. Detailed information about ingredients and nutrition must be provided on food containers, information about fabrics and laundering methods must be attached to clothing and lenders must disclose the true cost of borrowing the money they make available to costumers who purchase merchandise on credit. In addition, manufacturers must inform consumers about the potential dangers of using their products.
- The right to choose
The right to choose means that consumers have a choice of products, offered by different manufacturers and sellers, to satisfy a particular need. The government has done its part by encouraging competition through anti trust legislation. Competition and the resulting freedom of choice provide additional benefits for costumers by reducing prices
- The right to be heard
The forth right means that someone will listen and take appropriate action when costumers complain. In fact, corporate management teams begun listening to consumer complains after the end of World War II when competition begun again to increase. Today, businesses are listening even more attentively and many larger firms have consumer relations departments that can be easily contacted via toll-free phone numbers. Actually, one of the services every consumer today expects to receive from the companies he or she selects to purchase things from is consumer support.
Online Investment – Three Ways To Make Money
Given the rapid growth of Internet nowadays, making money through online investments is now easier than you think. There is an entire host of legal ways to achieve great profit using online investment than nay bank can ever offer. Here are some ideas you can take advantage of when you plan your investments for 2007.
1. Invest in FOREX
Also called foreign exchange market, Forex is a market where investors buy or sell currencies of economically stable countries. Choosing to place your online investment this way can bring you a lot of profit, but you have to be well informed on the politics and economy of all countries. You must also find a broker who will open an account for you in order to open and close your transactions. It’s your obligation to protect your online investment by finding a reputable broker and brokerage company. It is also in your best interest if your broker is registered to Futures Commission Merchant. This can lower the risk of Forex trading, yet bear in mind that in online investment, as in any type of investment for that matter, the risk will never become zero.
2. Invest in online stock trading
If you are interested in entering the online stock trading arena, you should develop a strategic plan which relies on realistic expectations and is well grounded in the basics. Remember to be selective from the get-go and avoid throwing all your assets into a stock just because it looks good at first sight. In order to make the best of your online investment, you should approach it with both skepticism and realism. You will also increase your chances of being successful if you ask for the advice of those who already are so, and who can give you information to your comfort level.
3. Invest in Sports Arbitrage Trading
This a technique based on the disagreements of bookmakers when it comes to placing a bet for an event in the sports world. When you make your online investment through Sports Arbitrage Trading you win irrespective of the sports team which actually wins the game, yet find these opportunities by yourself is quite difficult. There are, however, many helpful guides and trading pools you can consult to understand this type of online investment. Although profit is usually in the range of 2% to 5%, investors report profit rates of up to 15% of their initial investment.
In conclusion, take some action today and you might make more money then you ever dream is possible tomorrow.
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New Car Finance: Buy your Dream-car, Explore New Destinations
Buying a car is a dream come true for any person if he has been striving hard for it and trying to spare out money for it. With new car finance, the borrower will not have any problems relating to the finances required for his new car.
New car finance is available to borrowers who want to purchase a new car and are looking for a loan option that suits their needs. Any brand, make or model that the borrower wishes to buy can be financed with help of new car finance.
New car finance can be obtained as secured or unsecured. With the secured new car finance, an asset has to be placed as collateral for the finance. This collateral can be anything from a house to the same car that is being bought by the borrower. Pledging collateral helps in providing a low rate of interest. With unsecured new car finance however, no collateral is required to be pledged for the loan. The repayment term of the new car finance is 5-7 years.
Before taking up new car finance, the borrower is suggested to take up a few measures to ensure that he is making the best choices. They are:
• The borrower should decide about the car model and brand before applying for new car finance. This is suggested so that the borrower himself has a clear idea what amount he wants to borrow.
• The borrower should get the new car finance approved before he approaches the car dealer so that he does not change his decision under the influence of the car salesman.
• The borrower should avail the new car finance from a reputed finance company or lender.
• Before availing new car finance, the borrower is suggested to conduct a research online so that he can compare quotes from numerous lenders and choose the most suitable deal.
New car finance helps the borrowers in availing finance for a long-dreamed of car which they cannot buy on their own. It helps them in fulfilling their desires without any burden.