Tag: Consumer

Starting an Internet Business | FTC Consumer Information

An internet business can sound like a dream: work from home, set your own hours, be your own boss. But if you’re considering buying an internet business opportunity, watch out for promises of big or guaranteed earnings. Regardless of the stories you’ve might have read or heard about college-age entrepreneurs turning into internet gazillionaires, there’s no such thing as a sure thing.

Any online business opportunity that promises guaranteed income, large returns, or a “proven system” is likely a scam. If you pay for the so-called opportunity, you’re then often asked to pay even more: for business coaching or mentoring services to guarantee or increase your business’s success. The money you spend on those extra coaching services is almost always more money down the drain.

Short on Details

An internet business is just like any other business: it requires a solid business plan. Anyone who sells legitimate business opportunities should

Read More

New Hampshire Insurance Department – Consumer, Health Insurance

Web Page Symbol

Adobe Acrobat Reader Symbol

Consumer Health Insurance Guides

Getting Health Insurance:

Navigating the System:

If You Have Problems With Your Coverage:

Managing Your Costs:

Senior Services (Including Medicare and Long Term Care)

COBRA and New Hampshire State Continuation Coverage

Self-Funded Employer Plans:

  • If your plan is a “self-funded” benefit plan offered by an employer or bona fide union trust under a union contract, state insurance departments have no jurisdiction. Instead, you may file a complaint with the US Department of Labor Pension and Welfare Benefits Administration at 866-444-3272 or 617-565-9600.
  • If you are uncertain which type of benefit plan you have i.e., fully insured, self-insured, or self-funded you should contact your human resource department or your insurance carrier for clarification.

Government/Church Plans:

If your health plan is self-funded but offered through a government or church employer, follow the appeals

Read More

Credit Insurance | FTC Consumer Information

The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Credit insurance protects the loan on the chance that you can’t make your payments. Credit insurance usually is optional, which means you don’t have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation’s consumer protection agency, says it’s against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.

There are four main varieties of credit insurance: Credit life insurance pays off all or some of your loan if you die.Credit disability insurance, also known as accident and health insurance, makes payments on the loan if you become ill or injured and can’t work. Involuntary unemployment insurance, also known as

Read More

Business Licensing Authority – Consumer Affairs Victoria

On this page:

Update

The Business Licensing Authority website has now merged with the Consumer Affairs Victoria website.

Jurisdictional arrangements for licensing remain the same, however all of your licensing and regulation information is now available in the one location on the Consumer Affairs Victoria website.

You can access this information via the following links:

Who we are

Victoria’s Business Licensing Authority (BLA) provides licences to businesses that need one to operate lawfully.

In performing our role, we balance the interests of business, consumers and the public.

The BLA and Consumer Affairs Victoria share office space and work together closely.

The BLA is an independent regulator within the Victorian Government’s Justice portfolio, operating under the Business Licensing Authority Act 1998 (the Act).

It licenses and registers:

  • conveyancers
  • estate agents
  • motor car traders
  • owners corporation managers
  • rooming house operators
  • second-hand dealers and pawnbrokers
  • sex work service providers.

The Act requires that

Read More

Computer Security | FTC Consumer Information

Scammers, hackers and identity thieves are looking to steal your personal information – and your money. But there are steps you can take to protect yourself, like keeping your computer software up-to-date and giving out your personal information only when you have good reason.

computer backing up on an external hardrive

Update Your Software. Keep your software – including your operating system, the web browsers you use to connect to the Internet, and your apps – up to date to protect against the latest threats. Most software can update automatically, so make sure to set yours to do so.

Outdated software is easier for criminals to break into. If you think you have a virus or bad software on your computer, check out how to detect and get rid of malware.

Protect Your Personal Information. Don’t hand it out to just anyone. Your Social Security number, credit card numbers, and bank and utility account numbers can be

Read More