Scammers are commonly seen as people who try to trick people into giving them money or personal information for their gain. While we are warned about illegal scams, such as credit card fraud, little attention is paid to the everyday scams we must endure but shouldn’t have to.
College Tuition
The cost of college tuition has skyrocketed in recent decades, while the average starting salary for college graduates has remained relatively stagnant. Many students are graduating with a mountain of debt, which can take years or decades.
Healthcare
The cost of healthcare in the United States is also very high, and many people are forced into debt to pay for medical expenses. Even people with health insurance often have to pay high deductibles and copays.
Payday Loans
Payday loans are short-term loans with very high-interest rates. They can be tempting for people who need cash quickly, but they can quickly trap borrowers in a cycle of debt.
Credit Card Fees
Credit card companies charge various fees, including annual, late, and over-limit fees. These fees can add up quickly, making it difficult for people to pay off their credit card debt.
Overdraft Fees
Banks charge overdraft fees when customers withdraw more money than they have in their accounts. These fees can be very high, and they can quickly add up.
Hidden Fees
Many businesses charge hidden fees that take time to become apparent to consumers. For example, some airlines charge fees for checking bags, changing flights, and using overhead bins.
Subscription Services
Subscription services can be a great way to get access to products and services you use regularly. However, it is essential to be careful not to overspend on subscriptions. Many people subscribe to services that they rarely use, and these subscriptions can quickly add up.
In-App Purchases
In-app purchases are a way for app developers to generate revenue from their apps. However, in-app purchases can be very addictive, and people can easily spend a lot of money on them.
Lottery Tickets
Lottery tickets are a form of gambling, and the odds of winning are very low. However, many people buy lottery tickets hoping to get rich quickly.
Pyramid Schemes
Pyramid schemes are fraudulent businesses that promise high returns to investors who recruit new investors. However, these schemes are unsustainable and eventually collapse.
Multi-Level Marketing (MLM)
MLM companies are similar to pyramid schemes, relying on investors to recruit new investors. However, MLM companies often sell products or services, while pyramid schemes do not.
Timeshares
Timeshares are a type of vacation ownership that allows people to purchase a week or two of vacation time at a resort each year. However, timeshares can be very expensive and difficult to sell.
Extended Warranties
Extended warranties are often sold for new products like cars and electronics. However, these warranties are often overpriced and not worth the cost. Scammers may call people and claim that their manufacturer’s warranty is about to expire and that they need to purchase an extended warranty immediately.
Identity Theft
Identity theft is when someone steals your personal information, such as your name, Social Security number, or credit card number. Identity theft can be complicated and expensive to recover from. Older people are particularly vulnerable to identity theft.
Phishing Scams
Phishing scams are emails or websites designed to look like they are from a legitimate company, such as a bank or credit card company. Phishing scams aim to trick people into revealing their personal information.
Tech Support Scams
Tech support scams are phone calls or emails from people who claim to be from a tech support company. The tech support scams aim to trick people into paying for unnecessary tech support or installing malware on their computers. This scam is mainly used on vulnerable older people who could be more tech-savvy.
Celebrity Endorsements
Many celebrities endorse products and services. However, these endorsements are often paid for by the companies that sell the products or services. Celebrities may not use or believe in the products or services they endorse, but fans will rush out to buy substandard products.
Deceptive Advertising
Deceptive advertising is a type of advertising that is designed to mislead consumers. For example, an advertisement may claim that a product is all-natural when it contains artificial ingredients. Deceptive advertising can be very harmful to consumers. It can lead people to buy products or services they don’t need or don’t work as advertised. It can also trap people in debt or lead them to lose money.
It is essential to be aware of these scams to avoid falling victim to them. If you are still deciding about a particular offer, it is always best to research and get advice from someone you trust.
21 Things That Shout You’re “Lower Class” According To Men
Class wars creep up in all aspects of life, including dating. We take a look at the things that men believe are telltale signs that you are lower class.
21 Things That Shout You’re “Lower Class” According To Men
Boomer Zoomers vs. Millennial Meh: 10 Cars the Older Gen Loves but Millennials Just Can’t Stand
The change in the automotive industry has been incredible over the year. Baby boomers born between 1946 and 1964 can’t get enough of the cars listed below, as muscle cars emerged in the 1960s, and new technologies appeared in the 1970s and 1980s. You can imagine why boomers genuinely appreciate these vehicles.
Boomer Zoomers vs. Millennial Meh: 10 Cars the Older Gen Loves but Millennials Just Can’t Stand
Across the Pond Disdain: 18 Horrendous American Habits Foreigners Just Can’t Stomach
There is a lot to love about America, from the bright lights of New York to the incredible breakfasts, but foreigners also dislike many things. We look at everything from poor public transport to an intimidating tip culture, sharing 18 things that America could be better at.
Across the Pond Disdain: 18 Horrendous American Habits Foreigners Just Can’t Stomach
Out with the Old: 18 Gen X Fads That Millennials and Gen Z Just Can’t Vibe With
While some old habits die hard, there are some things that Gen X need to eliminate as they are no longer relevant.
Out with the Old: 18 Gen X Fads That Millennials and Gen Z Just Can’t Vibe With
18 Unpleasant States You Might Want to Skip on Your Next Trip
When thinking of America, we don’t expect there to be boring or unpleasant places to visit. We see all the different states on the TV, and they show the best parts. However, there are some states you won’t want to visit, and you should brace yourselves if you ever happen to stumble into them.
18 Unpleasant States You Might Want to Skip on Your Next Trip
