Kelvin Collins


Understand layaway policies before signing up

Holiday shopping is in full swing and many stores have already rolled out their holiday layaway plans. Some are even offering additional incentives, such as cutting fees and increasing the number of items eligible for layaway. Read more

Refunds and Exchanges: What to Know Before You Go Shopping

Did you know that refund and exchange policies are not required by law? In fact, retailers offer refund policies as a voluntary practice. There are no laws that require merchants to offer refunds, exchanges or credit on merchandise they sell, although laws do protect consumers from misrepresented or defective products. Read more

If disaster strikes, are you prepared financially?

In light of Hurricane Matthew, it’s a good time to think about planning for whatever the next natural disaster... Read more

'Customer surveys' might also be scams ...

We have all seen the ads, “Take our short survey and receive a $50 gift card!”... Read more