National Consumers League

Personal Finance

Hot Topics in Personal Finance

NCL's tips for staying on top of trial offers


Have you ever wanted to try a service or a product on a trial basis? Some companies allow interested customers the chance to try it out before they join or purchase. This is called a trial offer.
How does a trial offer work?

Read more: NCL's tips for staying on top of trial offers

Think twice about credit repair offers

Good credit is important; a bad credit history can impact your ability to get loans, housing, or even a job. But while promises to “fix” bad credit may be tempting, they’re not true – and they may leave you in worse financial shape than when you started.

Read more: Think twice about credit repair offers

No free lunches: Avoid investment seminar scams

Free seminars are a popular way to promote investment and insurance products. After the meal, the so-called "experts" urge folks to trade in their current investments for the product being pitched. Testimonials are glowing; the charts and handouts are impressive. But don't fall for the pitch!

Read more: No free lunches: Avoid investment seminar scams