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Bait and switch- The fraudulent practice of advertising and luring consumers to a store with promised products or services that then appear to be unavailable and replaced with higher priced items

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Bandwagon – Trend that gains popularity and demand of products

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Better Business Bureau (BBB)- gathers and reports information on business/service reliability and alerts and informs the public of its findings. Consumers can also file complaints with the BBB.

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Brand loyalty- Consumers become committed to a certain brand and make repeat purchases over time. Loyal customers will consistently purchase products from their preferred brands, regardless of convenience or price.

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Bundle Plan- A pricing plan that combines two or more utilities that offers savings for the consumer (i.e. cable + internet + phone with same company)

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Commerce- agency to further the interest of the local business

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Conserve – to save or reduce

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Cost per Wear/Use- divide total cost of item or service by how often it is used or worn to determine the true cost effectiveness of this purchase

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Electronic messaging- Advertising through the use of unsolicited texts, emails, and banners on web pages

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Energy Guide Label – Yellow sticker, required by law, which allows a consumer to compare the yearly cost to operate an appliance.

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Energy Star Label – government backed green and blue logo that shows outstanding energy efficiency.

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Extended warranty – A warranty that is purchased and extends beyond the basic warranty usually giving more time and more coverage.

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Federal Trade Commission- is an independent agency of the United States government, with a mission to promote consumer protection and eliminate and prevent monopolies.

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Food & Drug Administration – Food and Drug Administration – responsible for protecting the health of the public in the following areas: food, drugs, medical devices, cosmetics, tobacco, animal products

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Full warranty – Covers all parts of a product but may have time limitations. The warrant is not valid for normal wear and tear or consumer misuse.

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Home owner's insurance- Required coverage that provides protection for your residence and its associated financial risks, such as damage to personal property and injuries to others.

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Implied warranty - A warranty that is not written but is implied that a product sold functions as it is intended

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Limited warranty - A warranty that covers part of a product but not all. Example: might cover parts but not labor.

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Loss Leader- A product or service sold at a substantial discount in order to generate additional sales

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Phishing- sending an electronic message falsely claiming to be a legitimate business for the purpose of gaining personal or financial information

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Pop-ups – a new web browser window that displays advertisements

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Predatory practices/lending- When lenders conduct business in ways that are deceptive. They may use several fraudulent, deceptive, or discriminatory methods, to lure the consumer into practice that could lead to financial ruin.

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Redress – money or other benefits that a consumer receives as fair compensation for a company’s mistake for remedy for wrong or loss

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Renter's insurance - A type of insurance that covers the loss of a tenant's personal property as a result of damage or theft. A landlord's insurance does not cover a tenant's possessions.

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Rewards- Items or perks that are earned by your purchasing history

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SPAM – Advertising messages received over e-mail or electronic messaging system that is unwanted

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Testimonials- Stories told by happy consumers about a product or service that may influence others

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Utilities - Cost of running a home either rented or owned. Examples include: electricity, water, gas, and trash.