[ { "key": "DU9PQ6MP", "version": 3, "library": { "type": "group", "id": 211445, "name": "The Tyler Group Barcelona Hand and Gavel Economic", "links": { "alternate": { "href": "https://www.zotero.org/groups/the_tyler_group_barcelona_hand_and_gavel_economic", "type": "text/html" } } }, "links": { "self": { "href": "https://api.zotero.org/groups/211445/items/DU9PQ6MP", "type": "application/json" }, "alternate": { "href": "https://www.zotero.org/groups/the_tyler_group_barcelona_hand_and_gavel_economic/items/DU9PQ6MP", "type": "text/html" } }, "meta": { "createdByUser": { "id": 1247161, "username": "ocyrhoemacistus", "name": "", "links": { "alternate": { "href": "https://www.zotero.org/ocyrhoemacistus", "type": "text/html" } } }, "numChildren": 0 }, "data": { "key": "DU9PQ6MP", "version": 3, "itemType": "journalArticle", "title": "The Tyler Group Global Expat Connections General Offers Tips to Avoid Scams", "creators": [], "abstractNote": "NC attorney general offers tips to avoid scams shopping online \n\nCHARLOTTE, N.C. — \nConsumers who plan to skip the crowds by shopping online this holiday must take steps to protect their money and their personal information, North Carolina Attorney General Roy Cooper said.\n\n\"Buying gifts online may help you avoid long lines and crowds, but with convenience comes some risks,\" Cooper said. \"Use caution when you shop online to save money and prevent stress during this busy season.\" \n\nCooper offered the following tips to help holiday shoppers protect themselves from cybercriminals and bad business deals.\n\n• Shop sites you know and trust. If an online merchant is new to you, research it with the Attorney General's Consumer Protection Division and your local Better Business Bureau. You can also check online reviews to spot potential problems. Watch out for copycat websites that try to trick you by looking like a legitimate company's site.\n\n• Do your own price comparison. Just because a website claims to beat prices at competitor sites or brick-and-mortar retailers doesn't mean it's true. To get the best deals, compare prices online and off. Also, beware of counterfeit or knockoff products that may be poor quality.\n\n• Read the return policy carefully. Merchants aren't required by law to accept returns. Some online retailers won't let you return items to their local stores, while others charge a restocking fee or won't let you return opened items. Many online retailers require you to pay for shipping if you need to make a return or exchange. \n\n• Know how to contact the company if problems arise. Get the company's street address and telephone number and verify them before you place an order. Remember to be especially careful when shopping overseas sites, since no U.S. or state agency has legal authority over business deals with companies in other countries. \n\n• Check site security before you enter any payment information. Look for a lock icon on the website and a web address that starts with \"https.\" \n\n• Consider paying by credit card. If your order doesn't arrive or isn't what you expected, you can dispute it with your credit card company. Federal law also limits your liability to $50 if your credit card number gets stolen. Get a credit card with a low limit that you use only for online shopping.\n\n• Be wary of pop-ups at the end of an online purchase that offer you money off your next purchase. These can wind up signing you up for discount clubs, travel memberships or other services you don't really want, with fees appearing later on your credit card or bank statement. We recently won a settlement against one company that had used these pop-ups to trick customers.\n\n• Ask when your order will arrive. Internet and catalog shoppers are protected by the Federal Mail Order Rule. By law, a company is required to ship your order within the time stated. If you aren't given a delivery date, the company has 30 days once your order is received. If the item doesn't ship on time, the seller must let you know and allow you to cancel for a full refund.\n\n• Print out and save records of all online orders. Keep the product description, price, online receipt, order number and customer service number. Save any emails the company sends you confirming your purchase or updating you on the status of an order.\n\n• Review your credit card statements. Some consumers have complained about unauthorized charges billed to their account after they shop online. Contact your credit card company immediately to report any charges you didn't authorize, and request a refund and a new card. \n\n• Protect your identity. Guard your Social Security, driver's license and bank account numbers when you shop online. Only share financial information via secure sites, never by email. Don't respond to unsolicited emails or telemarketing calls that ask for your personal information.\n\n\"Whether you're shopping online or at the mall, be careful,\" Cooper said. \"You keep your wallet in a safe place when you go shopping and it's just as important to guard your money and your personal information when you shop online.\"\n\nTo check out a company with the Attorney General's Office or file a consumer complaint, call 1-877-5-NO-SCAM toll-free within North Carolina. Consumers can also file complaints online and get more holiday shopping tips at http://www.ncdoj.gov.\n\nThe Tyler Group Global Expat Connections Related Articles:\nhttp://barcelona.thetylergroup.org/2012/11/19/crime-safety-in-barcelona/\nhttp://barcelona.thetylergroup.org/category/the-tyler-group-barcelona-financial-and-legal/", "publicationTitle": "", "publisher": "", "place": "", "date": "", "volume": "", "issue": "", "section": "", "partNumber": "", "partTitle": "", "pages": "", "series": "", "seriesTitle": "", "seriesText": "", "journalAbbreviation": "", "DOI": "", "citationKey": "", "url": "http://www.wsoctv.com/news/news/local/nc-attorney-general-offers-tips-avoid-scams-shoppi/nb7Cd/", "accessDate": "", "PMID": "", "PMCID": "", "ISSN": "", "archive": "", "archiveLocation": "", "shortTitle": "", "language": "", "libraryCatalog": "", "callNumber": "", "rights": "", "extra": "", "tags": [ { "tag": " NC attorney general offers tips to avoid scams shopping online" }, { "tag": "the tyler group global expat connections" } ], "collections": [], "relations": {}, "dateAdded": "2013-12-05T04:10:05Z", "dateModified": "2013-12-05T04:10:05Z" } }, { "key": "HEHW4VKT", "version": 2, "library": { "type": "group", "id": 211445, "name": "The Tyler Group Barcelona Hand and Gavel Economic", "links": { "alternate": { "href": "https://www.zotero.org/groups/the_tyler_group_barcelona_hand_and_gavel_economic", "type": "text/html" } } }, "links": { "self": { "href": "https://api.zotero.org/groups/211445/items/HEHW4VKT", "type": "application/json" }, "alternate": { "href": "https://www.zotero.org/groups/the_tyler_group_barcelona_hand_and_gavel_economic/items/HEHW4VKT", "type": "text/html" } }, "meta": { "createdByUser": { "id": 1247161, "username": "ocyrhoemacistus", "name": "", "links": { "alternate": { "href": "https://www.zotero.org/ocyrhoemacistus", "type": "text/html" } } }, "numChildren": 0 }, "data": { "key": "HEHW4VKT", "version": 2, "itemType": "journalArticle", "title": "The Tyler Group on How UAE improves financial literacy", "creators": [], "abstractNote": "How the UAE can improve its financial literacy\n\nFinancial literacy is the awareness of how money functions and the capacity to handle one’s finances successfully. While it is not a new idea, it is a completely recent phrase frequently used in the UAE.\n\nWhy is this so? The reason, it appears, is that we are a not a financially knowledgeable nation.\n\nThis can be clearly gleaned from our amount of debt, which constantly increases. In spite of the fact that the Central Bank introduces more rigorous qualifications for individual lending in 2011, banks are still allowed to grant loans of up to 20 times a person’s monthly wage, with installments not to go above 50 per cent of monthly wage.\n\nThe worth of personal debts in the country rose by 3.8 per cent to Dh270.7 billion between January and May this year alone, according to the Central Bank. That sum is over and above the Dh8.8 billion increase in individual loans reported during 2012.\n\nIn addition, a survey by The National Family Status Observatory in 2012 revealed that about 60 per cent of Emirati families disbursed about one fourth of their monthly earnings repaying loans from credit cards and individual loans.\n\nThose figures are excessively high, says Keren Bobker, the financial counselor who writes The National’s “On Your Side” column.\n\n“A major fraction of the population has total monthly loan obligations that surpass their income,” she says. “Inescapably, this will end up in defaulting on payments and other dire consequences.”\n\nSo why is the UAE exceedingly financially uninformed? “Many factors can explain this predicament,” Ms Bobker says. “These comprise having to handle financial products in a second language; absence of transparency in terms of many financial products and services; lack of help from banks, and excessive hard selling which are improper.”\n\nHaving debts has been embedded into the culture, she says. “So many citizens here simply believe that having large uncollateralized loans is natural and end up paying huge amounts of interest without truly understanding the real cost of spending and, more so, whether the loan is at all needed.”\n\nNot possessing as much consumer protection as other developed countries and without a regulatory agency which can assist citizens with their complaints, aggravates the condition, she adds.\n\nIt is not surprising therefore that financial literacy is already a principal subject of discussion in the UAE. And with a portion of the nation’s economic-development program aimed at producing a financially knowledgeable society that will prop up a sustainable, diverse economy by 2030, several financial institutions have initiated programmes to resolve the problem.\n\nBanks, institutions such as the Emirates Foundation and the Abu Dhabi Council for Economic Development, as well as private firms include the many which have joined in this vital task.\n\nThe Emirates Foundation, an autonomous philanthropic organization formed by the Government of Abu Dhabi to support public-private financed projects to enhance the welfare of citizens all over the nation, is coordinating with financial professionals, banks and the private sector to motivate people to administer their finances more efficiently.\n\nWith the help of a financial awareness promotion called Isrif Sah (Spend Right, in English), the foundation hopes to form a cadre of 100 Emiratis who will be educated to become experts in personal finance and help others in turn. Eventually, the foundation will tour the country, catering to students in schools and universities as well as consumers in the malls, to assist in disseminating the message.\n\nSheikh Sultan bin Tahnoon Al Nahyan, managing director of the Emirates Foundation for Youth Development, states: “Financial literacy has arisen as an increasingly vital issue particularly in the light of the global economic crisis, where efficient handling of debt came out as a very crucial matter. We aim to help the youth in the UAE obtain the proper knowledge to help them avoid excessive debt and handle finances in order to support themselves and their families all through their lifetime.”", "publicationTitle": "", "publisher": "", "place": "", "date": "", "volume": "", "issue": "", "section": "", "partNumber": "", "partTitle": "", "pages": "", "series": "", "seriesTitle": "", "seriesText": "", "journalAbbreviation": "", "DOI": "", "citationKey": "", "url": "http://economic.tylergroupservices.net/blog/how-the-uae-can-improve-its-financial-literacy/", "accessDate": "", "PMID": "", "PMCID": "", "ISSN": "", "archive": "", "archiveLocation": "", "shortTitle": "", "language": "", "libraryCatalog": "", "callNumber": "", "rights": "", "extra": "", "tags": [ { "tag": "How the UAE can improve its financial literacy" }, { "tag": "the tyler group" } ], "collections": [], "relations": {}, "dateAdded": "2013-09-16T06:54:58Z", "dateModified": "2013-09-16T06:54:58Z" } } ]