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

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New Hampshire Insurance Department – Consumer, Health Insurance

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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

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Consumer finance company financial definition of Consumer finance company

CIT Group Inc., a leading commercial and consumer finance company, provides clients with financing and leasing products and advisory services.
The consumer finance company will be capitalized at around 10 billion yen, 70% put up by Sakura Bank and 10% each by Nippon Life, consumer finance firm Sanyo Shinpan Finance Co.
Santander Consumer is a full-service consumer finance company focused on vehicle finance, third-party servicing and delivering superior service to our more than 2.7 million customers across the full credit spectrum.
TMX Finance LLC, a privately-owned consumer finance company focused primarily on automobile title lending, is aiming to raise USD450m through an institutional private placement of senior secured notes due 2023.
8 August 2017 – UK-based non-standard consumer finance company Non-Standard Finance plc (LSE: NSF) has agreed to acquire UK-based finance company George Banco, the company said.
Nayifat is a leading Islamic consumer finance company in Saudi Arabia providing
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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

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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

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Credit Scores | FTC Consumer Information

Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone companies — are using credit scores to decide whether to issue you a policy or provide you with a service and on what terms. A higher credit score is taken to mean you are less of a risk, which, in turn, means you are more likely to get credit or insurance — or pay less for it.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know how credit scoring works.

What is credit scoring?

Credit scoring is a system creditors use to help determine whether to give you credit. It also may be used to

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