Consumerpedia

While convenient, online shopping can be risky. E-commerce creates all sorts of new opportunities for cyber criminals to do their dirty work, so you need to be careful. U.S. consumers reported losing $358 million to online scams last year, according to the Federal Trade Commission.

In this episode, we talk to John Breyault, a vice president at the National Consumers League, and Melissa Lanning Trumpower, executive director of the BBB Institute for Marketplace Trust, about how to spot the tricks con artists use to fool you and how you can protect yourself. Also, the smart way to pay when shopping online, and how to fight back against porch pirates.

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Roofing work is expensive. If you hire the wrong contractor, you can overspend by thousands of dollars and still get terrible work done. It takes time to find a good roofer who will do the job for the best price—you don’t just hire the first company that gives you an estimate.

In this episode, we’ll explain how to find a reliable roofing company, how to review proposals for that job, and how to compare warranties. Plus, ways to avoid getting ripped off by a shady contractor.

The market is flooded with credit card offers, and some of the signup bonuses are mighty appealing. But slow down—applying for a credit card is something that shouldn’t be rushed. You need to cut through the marketing hype and understand all the terms, conditions, and fees. If you’re not careful, you could choose a card that hurts your financial well-being.

In this episode: How to shop for a credit card—things you should do before you apply for any card, and what to look for when comparing offers. Plus: Is a rewards card really right for you? And how a balance transfer card might help you pay down a large balance on another card.

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Artificial intelligence has been around for decades, but the world changed in November with the introduction of ChatGPT, the AI app that lets anyone harness the power of this amazing supercomputing technology—including criminals.

In this episode, a look at how fraudsters might be able to use AI to their benefit. Will it change the types of scams they create or simply make it easier for them to fool us? Can AI companies make it harder for crooks to use their technology against us? Can the good guys use AI to fight fraud more effectively?

Today’s windows are technological marvels. They provide better insulation, reduce drafts, are easier to clean, and help lower home energy bills. But all these benefits come with very high price tags.

Window companies generate numerous complaints about high-pressure sales tactics and substandard installation. Checkbook cautions that some companies greatly over-promise the energy savings that will result from their windows.

In this episode, Kevin Brasler, Checkbook’s executive editor, cuts through the marketing hype, compares the pros and cons of various types of windows, and explains how to find a reliable contractor.

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Wearable devices, health apps, and online medical resources can help us stay fit and healthy. They also collect highly personal information that you might assume is confidential. In most cases, this data can be—and often is—shared and sold without your knowledge or permission.

“Buyer beware!” It’s more important than ever for you to heed this warning when buying goods and services. Consumers’ Checkbook regularly reports on scams and shameful selling practices that continue to become more rampant. Unfortunately, even “reputable” businesses treat consumers unfairly, often by using new technologies.

In this episode, we discuss how many companies prioritize profits ahead of their customers—and what you can do to fight back.

Sooner or later all appliances will need to be repaired or replaced. But when the fridge is on the fritz or the oven is burnt out, how do you decide what to do? New home appliances are expensive, but it’s not always easy to know how much repair work will cost.

In this episode, how to decide whether to fix what you have or buy something new. When it’s time to go shopping we have advice on how to avoid the misleading sales hype to get a real deal.

There’s a lot to consider when booking a hotel room: location, amenities, and quality. But for most of us, the deciding factor is price. In many cases, your room will cost significantly more than your flights. So, how do you find the best deal? Consumers’ Checkbook did nearly 2,000 searches looking for the best hotel rates.

In this episode, find out what our researchers discovered when shopping for hotel rooms. Does it make sense to book with the hotel or an online travel agency, like Expedia or Travelocity? What sorts of tricks do travel websites use to get you to book now? Does it pay to call the hotel directly? And what do you have to do to get an honest-to-goodness lower price? The lessons we learned should help you the next time you plan a trip.

Most homeowners pay too much to insure their houses. They waste money on worthless optional coverage—or worse—stick with the same insurers year after year without checking if lower premiums are available from other companies.

The potential savings from making a switch are dramatic, and you don’t have to sign up with a poorly rated company or get a bare-bones policy to get a better deal. Checkbook finds that some homeowners will save more than $1,500 a year by switching companies.

Yes, shopping for insurance is a bit of a pain, but the potential savings make it well worth your time to request pricing information and evaluate potentially wasteful coverage.

In this episode: How much coverage do you need, and how do insurance companies set their rates? Also, why Checkbook believes insurance companies should be prohibited from using credit scores to set premium prices.

Companies always say their top priority is customer service, but all too often they fall short of that goal. What bugs you as a consumer? Is it the fine print in advertisements? Fake discounts? Maybe problems making returns or repair people who can't make the fix?

Something a little different in this episode. We’ll hear from a few members of the Checkbook team and several subscribers who have gripes they want to share.

Demand for plane tickets, hotel rooms, vacation rentals, and other travel services is up—way up. If your summer getaway involves flights, brace yourself for problems; like last year, planes will be packed, and the system will be stretched to its limits.

Home warranty companies promise to save you thousands of dollars if you need an expensive repair. But Checkbook found these plans are terrible deals for most homeowners. Warranty companies are the subject of thousands of complaints to consumer agencies. After paying $400 to $1,000 for the coverage, consumers find that home warranty contracts often have numerous fine-print exclusions that stick them with much of the costs for product repairs or replacements. Plus, you don’t get to decide who does the work—and the best repair services usually refuse to work for home warranty companies.

Some companies try to boost business by doing things that are meant to mislead and manipulate customers. These include pre-checked boxes that obligate you to more than you bargained for, hard-to-find disclosures, and confusing cancellation policies. These practices are called “dark patterns,” and as more commerce moves online, they’re growing in scale and sophistication.

The Federal Trade Commission is cracking down on illegal dark patterns, but because the problem is so widespread, you need to know what to look for to protect yourself. In this episode, Sam Levine, director of the FTC’s Consumer Protection Bureau, talks to us about some of the most common dark patterns.

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For most aging adults, there really is no place like home. Surveys done by AAPR consistently find that nearly 80% of those 50 and older prefer to age in place rather than move in with relatives or into senior communities.

The aging-in-place movement can help you stay safe and comfortable in your home as you grow older. But it’s something you’ll need to plan for, the sooner, the better.

In this episode, learn what’s important when remodeling or retrofitting your house, as well an option that’s growing in popularity across the country: Neighborhood-focused networks, or “villages,” that offer social, medical, and household resources.

If you find going to the grocery store a hassle, having your avocados, Doritos, and whatnot delivered is a convenient and time-saving option. And these services are a great help to those who can’t get to local markets due to physical impairments or a lack of transportation.

But you’re going to pay to have someone gather your groceries and bring them to you.  At some stores, extra costs for delivery are only a few dollars per order; at others you’ll pay a sizable fee to skip the store.

In this episode, we discuss the pros, cons, and costs of having someone else do your shopping. How much do prices vary? Which services rate the best with Checkbook subscribers? Plus, tips to help you get the best prices should you decide to shop this way.

Keeping your house comfortable requires the heating, ventilation, and air-conditioning (HVAC) systems to be properly installed and maintained. And when they need repairs or new equipment, you want a company you can trust to do quality work at a fair price.

In this episode, we’ll go over the things you should know about your HVAC before having work done, plus what you can do to maintain your system. And we’ll answer the question: Is it time to consider getting a heat pump?

It seems like every big company—from Google and Amazon to telephone and cable TV operators—now sells home security services and equipment.

Rather than spend thousands of dollars to have a security company install a system, you can do it yourself for a couple of hundred dollars and monitor things on your smartphone. But does any of this tech do any good?

In this episode, we’ll look at the pros and cons of professional systems vs. inexpensive DIY options, and run down some free security practices that will make your house less attractive to burglars.

Social media was designed to bring us together, but it often fosters scams, spreads misinformation, and amplifies hate. The problem isn’t going to go away, so we need to become better consumers of what shows up on our feeds.

The holiday shopping season is in full swing—and you need a plan. The super shoppers at Checkbook.org are here to help.

With inflation driving up prices, it’s more important than ever to be a savvy holiday shopper. The National Retail Federation expects the average shopper to spend about $833 on gifts and other holiday items this year, up a few dollars from last year.

Consumers' Checkbook’s researchers spent 33 weeks tracking sale prices at 25 major retailers and found that most stores’ discount claims aren’t really discounts at all. And the shady sales practice is worse than ever before. Checkbook discovered that most stores’ sale prices—even those that advertise big savings—are bogus discounts, with retailers offering the same “sale price” more than half the time.

In this episode, we’ll tell you which stores ran sales that were USUALLY or OFTEN misleading, as well as the few that had sales that were only SOMETIMES misleading. Plus, tips on how to find the real deals that will save you money.

To deal with record inflation, many Americans are making ends meet by piling up record amounts of credit card debt. A trained credit counselor can help you pay down that debt, even if it seems insurmountable, and learn how to have a successful financial future.

In this episode, you’ll hear a real-life success story. Cara, who lives near Boston, was drowning in credit card debt five years ago. Today she is debt-free and has good credit.

We’ll also talk to Bruce McClary, a senior vice president at the National Foundation for Credit Counseling, a nonprofit dedicated to helping people deal with debt and better manage their finances. Find out how the counseling process works, and why some of the advice provided by for-profit debt relief companies can make your situation worse.

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The best body shops not only do great work but employ staff who can explain and justify exactly what needs to be done. An articulate representative at the body shop will be the key to getting all the work you need performed and paid for by your insurance company.

In this episode, we’ll walk you through the collision repair process from the estimate to the guarantee. We’ll also explain the differences between the three types of parts that might be used, and how to deal with the insurance company—especially if the shop wants to do one thing and they want to do something else.

U.S. airlines are failing their customers by prioritizing profits over realistic schedules, resulting in too many cancellations and long delays, according to consumer advocates. They say more could and should be done to protect passengers.

In this episode, we explain what domestic airlines are required to do when your flight is delayed or canceled (spoiler: not much). We also discuss how the Department of Transportation has failed to effectively oversee the airlines, and what consumer advocates want done to protect the flying public.

Physicians are at the center of your healthcare experiences. They set up diagnostic procedures, devise treatment plans, guide you through care decisions, prescribe medications, authorize hospital admissions, refer to other physicians and other providers…and much more.

In this episode, we talk about how to find good doctors and the best medical facilities near you, how to take charge of your medical care, and what Checkbook has learned by analyzing data on tens of thousands of doctors across the country.

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You're driving along when a pebble kicked up by the vehicle in front of you hits your windshield... and cracks it. Chances are that little rock just cost you $800 to $1,500 or more, depending on your ride. These days, a windshield is more than a big piece of glass; there's a lot of technology embedded in it or located behind it. These sensors feed data to software controlling automatic wipers, lane-departure warnings, adaptive cruise control, and advanced steering and braking systems.

No matter how big or small the job, you want it done quickly and for a fair price. In this episode, Checkbook Editor Kevin Brasler explains how to choose a good shop, how to decide about replacement parts—original manufacturer or third-party parts—and how to deal with your insurance company.

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False or deceptive advertising costs American consumer billions of dollars a year. Companies big and small now use blatant lies, clever wording, and fine print to confuse or mislead us.

Most American don't even have simple wills, and even fewer have living wills or designated healthcare surrogates. While doing this work might seem sobering, once you've made an estate plan, you'll find it calming and reassuring to you and your family. The goal is to communicate your end-of-life healthcare wishes, document what you have and who gets it after you die, and set up a trouble-free way to transfer your assets to your heirs or preferred charities while minimizing payouts to probate courts, attorneys, accountants, and Uncle Sam.

In this episode, some basic do's and don'ts when it comes to planning what happens after you leave this world. We hope these tips will save you hassles and money—and enable you to avoid some common mistakes.

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Grieving for a loved one is acutely difficult just after the loss, and it's not a time when you want to sit across the desk from a salesperson in a high-pressure, time-sensitive situation. You’re vulnerable to making hasty, costly decisions that might not make sense if you'd just had a little more time.

Funeral homes provide important services, but they are businesses with a goal of maximizing each sale. They make money by selling products and services, some of which you and your family may not want, need, or be able to afford.

In this episode, we review the many choices you have when a loved one dies, what funeral homes are required to disclose, and the marketing tricks some use to push unnecessary or high-end products. Plus, we explain why it’s important to pre-plan your funeral.

For years, we’ve been promised that new technology would stop those annoying robocalls. But the phones keep ringing—and now, we’re being flooded with spam texts. Fraudsters use these bogus calls and texts to steal our money and personal information.

In this episode, we talk how to spot a robocall scam, how con artists use them to trick you, and ways to protect yourself.

Even the greenest thumbs need help sometimes—and a lot of it—with where to buy plants, how to keep the lawn lush, and how to keep the landscape in shape. The best-run garden centers, landscape contractors, and lawn-care services have the answers.

In this episode: How to find great lawn-care services, and what to consider when hiring a landscaper. Plus, for DIYers, how garden centers rate for price and quality.

Higher gas prices have a lot of people thinking about making the switch to electric vehicles, and automakers are racing to provide customers with options—sedans, sports cars, SUVs, and trucks.

In this episode, we look at where things stand right now, what’s coming down the road, and things to consider before buying a plug-in hybrid or fully electric vehicle.

Just like humans, pets get hurt or sick and need routine healthcare. While most vets get high marks for competency and caring, Checkbook's undercover shoppers found huge differences in prices for the same procedures.

In this episode we share tips to help you choose—and deal with—a veterinarian who will provide the care, service, and reasonable charges you want. We also discuss the pros and cons of pet insurance, and what to look for if you decide to buy a policy.

Identity theft is a serious and growing crime—and we’re all at risk. The losses are staggering: By one estimate, identity theft victims in the U.S. lost $56 billion in 2020. Last year, the FTC received more reports about identity theft than any other type of complaint.

Solar-energy technology continues to advance in ways that can greatly benefit homeowners. Solar panels sold today cost less than those available just five or six years ago, plus they produce more electricity. These efficiency gains mean most families can install fairly small projects to cover all their electricity needs. However, solar projects still come with hefty upfront price tags.

In this episode, we'll discuss the options and look at how much you can really save by going solar. Plus, we have tips on how to find a good installer and ways to pay for a solar project.

Good credit is important. Bad credit can make it difficult—or more expensive—to get a loan or credit card, rent an apartment, or get cell phone service. Surveys show few people truly understand how the system works: What makes their credit scores go up, and what causes them to plunge. In this episode we’ll demystify the process, and separate credit facts from credit myths.

Our homes rely more than ever on energy for heating, cooling, lighting, hot water, and to power all our gadgets. Most of our abodes still unnecessarily waste lots of energy, contributing to pollution and climate change while sucking away our money.

In this episode, we look at some simple repairs and improvements that will yield big energy savings for most families, plus projects with bigger upfront price tags that still make sense from a cost-benefit standpoint.

We all spend money on stuff we don't need, from top-of-the-line appliances with features we'll never use to designer clothing we'll rarely wear. But there's a big difference between splurging on luxuries and throwing away money on products and services that are worthless or unnecessary—or that you could get for free. Here are some of them and why they're a waste of money.

No one looks forward to going to the dentist, but oral hygiene is an important part of your overall healthcare. Most dentists do a good job, but some are better than others at making their clients feel comfortable. Price may also be a consideration. Checkbook’s undercover shoppers found astounding price differences from practice to practice for the same procedure. Based on our subscriber surveys, there is no relationship between price and quality. In this episode, we’ll also talk about the pros and cons of dental insurance.

Online fraud is a serious problem, and it keeps getting worse. Cyberthieves are getting better at stealing money and sensitive personal information, which is why it’s so important to understand the risk and what steps you can take to protect yourself.

The pandemic has turned the car market upside-down: inventory is low, and prices for new cars keep going up. That means it's more important than ever to have a plan. Should you wait? Should you buy used? Is leasing something you should even consider? Get answers to those questions, plus learn about a sure-fire way to get the best price on any new vehicle. Special Guest: Jack Gillis, author of The Car Book, has been steering consumers to safe and reliable cars for more than 40 years. Gillis is also executive director of the Consumer Federation of America.

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