понедельник, 15 июня 2015 г.

uHow To Avoid Getting Scammed When You Sell A Timesharer


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  • Timeshare vacation properties are a strange market: there’s always someone ready to try to sell you fractional ownership in a vacation property, but it’s much harder to unload a property when you don’t want it anymore. That’s why, if someone approaches you to help sell a timeshare, you should be wary and know who you’re dealing with.

    If you’re losing interest in a vacation spot, need money, or are settling an estate, it would be nice if someone else would just take care of selling the property for you, right? Our scam-savvy colleagues down the hall at Consumer Reports explain how to avoid schemes that might be unfair to timeshare owners in many ways.

    Fraudulent timeshare-buying companies might pursue you even if you don’t actually own a timeshare. For people who really do have property to sell, scammers claim to make the process very simple: they contact you, claiming to have buyers lined up, if you’ll just pay them a few thousand dollars in fees to get the transaction started…

    Even worse, there’s another variation of this scam where someone claiming to represent a different company contacts you to help recover the money that you lost in the first timeshare scheme.

    To protect yourself when selling a timeshare, keep a few things in mind:

    1. Don’t pay upfront fees. A reputable seller will take any fees out of the sale price at the end.

    2. Don’t listen to extravagant promises. It’s unlikely that anyone who contacts you out of nowhere already has a buyer lined up, no matter how much money you pay up front. Also: see item #1.

    3. Check the prospective agent out. If they claim to be a real estate agent, make sure that the agent’s real address and phone number are the same as what they provide you in a letter.

    Check with your resort to find out whether you’re allowed to sell in the first place, and whether they’ve worked with this specific company or agent before. Look for complaints filed against them with government consumer protection agencies, or the Better Business Bureau.

    Timeshare resale scams [Consumer Reports]



ribbi
  • by Laura Northrup
  • via Consumerist


uCVS Buying Target’s Pharmacy Business For $1.9 Billionr


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  • If you’re a Target shopper who picks up your prescription refills at the same time you get your groceries, towels, toilet paper, and whatever else you buy at the big-box retailer, your Target’s in-store pharmacy could soon be run by CVS.

    The two retailers announced a $1.9 billion deal today that would put Target’s nearly 1,700 pharmacies under CVS control.

    The pharmacies would be rebranded as CVS/pharmacy and operated as a mini-store within each Target where they are located. New Target stores will launch with CVS pharmacies, according to a statement from the drugstore chain.

    In addition to the pharmacies, Target has approximately 80 in-store clinics that will be rebranded as CVS MinuteClinics. CVS says it also intends to open 20 new clinics in Target stores over the next few years.

    Target and CVS will also partner on between 5-10 smaller-format TargetExpress stores with CVS-branded pharmacies.

    The drugstore giant says it is committed to offering comparable jobs to the 14,000 Target employees affected by this deal.

    If approved by regulators, this could be a savvy deal for CVS as it gains access to customers at 1,700 established locations without having to do heavy construction.

    That said, the deal will take away Target as a competitor in the pharmacy market, which could draw some antitrust scrutiny from regulators.

    The stores aren’t giving a definite timeframe for the acquisition to be finalized, but say that it the transition to CVS pharmacies will begin a few months after the deal closes.



ribbi
  • by Chris Morran
  • via Consumerist


пятница, 12 июня 2015 г.

uMichael Kors Settles Class Action Over Imaginary Outlet Pricesr


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  • This is a regular Michael Kors store, where outlet items would never have been sold. (Mike Mozart)

    This is a regular Michael Kors store, where outlet items would never have been sold. (Mike Mozart)

    Outlet shoppers know the drill: items are marked with a “Manufacturer’s Suggested Retail Price,” and then an outlet price. What does that mean when you’re shopping at the Michael Kors outlet, and the merchandise is all made for the outlet? That makes the suggested price meaningless, and is exactly what a recent class action suit against the fashion company alleged. The suit has been settled, and the fashion company has agreed to pay consumers a total of $4.88 million to make up for years of imaginary price tags.

    If you shopped at a Michael Kors outlet between July 25, 2010 and July 25, 2014, you’ll be eligible for this class action settlement. What the suit alleges is what most outlet shoppers know on some level: the “original” prices on tags in Michael Kors outlets were just made-up numbers, and those items were never sold for the original price in department stores or elsewhere.

    The company has agreed to replace the “MSRP” on their tags with “Value,” suggesting that the same item could sell for the higher price somewhere else, even if it never actually would be.

    Michael Kors settles U.S. lawsuit alleging deceptive price tags [Reuters]



ribbi
  • by Laura Northrup
  • via Consumerist


uSuspect In Mall Pretzel Stand Robbery Hides Out In Same Mall’s Chili’sr


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  • Last night, something scary happened at the Macomb mall in Michigan: a man passed a pretzel stand employee a note demanding cash and stating that he had a gun. The employee handed over cash, and the robber left on foot. Police and mall security didn’t have to look very far, it turns out…they spotted the suspect at a standalone Chili’s restaurant that shares a parking lot with the mall.

    This was no clever escape: witnesses actually saw a man fitting the suspect’s description running toward the Chili’s. The suspect had been described as wearing a gray hoodie, gray shorts, an a baseball cap. Mall security found the suspect inside the restaurant. There happened to be a gray hoodie outside of the restaurant, and the hat and shorts were in one of the rest rooms at Chili’s. Hmm.

    Police are still investigating the incident, and haven’t charged the man, who claimed that he was just trying to make a reservation at Chili’s, with anything.

    Meanwhile, let’s take the opportunity to dedicate this song–arguably the greatest pop song ever recorded about a mall pretzel stand–to the employee who was there for the robbery, which was surely a scary experience. (Warning: song contains some PG language.)

    Unfortunately, we couldn’t find any uplifting songs about pretzel stands.

    Police: Suspect Tried Hiding In Chili’s After Robbing Pretzel Peddler At Macomb Mall [CBS Detroit]



ribbi
  • by Laura Northrup
  • via Consumerist


uIowa Supreme Court: You Have The Right To Be Drunk On Your Own Front Stepsr


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  • Where do you draw the line between public and private spaces? Is being drunk on your personal front steps less of a public nuisance than if you were drunk on the stoop of an apartment building where you live with others? For the highest court in Iowa, the answer is yes.

    This morning, the Iowa Supreme Court reversed the conviction of a woman arrested in 2013 for public intoxication outside of her own home, ruling [PDF] that she “cannot be guilty of public intoxication because she was not intoxicated in a public place.”

    Before she was arrested, it was the woman who called 9-1-1 claiming she was the victim of domestic violence.

    When police arrived, she was inside the house and stepped outside to speak with the officer on her front steps because she didn’t want to upset her kids.

    Meanwhile, the alleged aggressor told the other officer that the dispute had been over his car keys. He claimed he was trying to prevent her from driving because she was drunk and didn’t have a driver’s license. The woman then punched him in the eye, he said, admitting that he did grab her arm in an effort to prevent her from hitting him again.

    Police then gave the woman a breathalyzer test and found that her blood alcohol concentration was .267, far above any standard for being drunk. As a result, she was arrested for public intoxication. Because this was a repeat offense, the level of the charge was bumped up to a serious misdemeanor.

    During the trial, prosecutors pointed out that the woman’s steps don’t in anyway constitute a front porch — no roof, no awning, no enclosures of any kind — and the front yard was not separated from the public sidewalk by a fence or any similar physical divider; not even a “keep off yard” sign.

    The woman countered that the lack of a fence or roof didn’t make her steps a public space. Besides, she was drunk in the privacy of her own house until the police came and she stepped outside to talk to them.

    But the trial court sided with the prosecutors, saying her steps were plainly accessible and visible to any passersby. Thus, according to the lower court, any member of the public had an implied invitation to use the front stairs to communicate with the woman.

    In reviewing the appeal, the Iowa Supremes noted that they made a decision 12 years ago stating that apartment hallways and front steps were “public spaces” but that they had explicitly left unresolved this matter with regard to single-family dwellings.

    In that earlier ruling, the court had stated that apartment building tenants are “entitled to be free from nuisance and annoyance and to be protected from the actions of a fellow tenant.” So, even though the public at large might not have access to an apartment building, co-tenants in an apartment complex constitute “the public” when they use common stairways and hallways.

    But, noted the court, “the front steps of a single-family home are an access point, whereas the front steps of an apartment house are a thoroughfare,” and “a single individual or family may bar access to the front steps of a single-family home, [but] no single tenant holds the right to bar access to the apartment house.”

    And even though friends, neighbors, postal carriers, delivery people, and certain others might have an implied license to access the front steps of a single-family dwelling, the court says “there is a significant difference between the implied invitation extended to a prospective customer of a business and the implied invitation allowing people to approach the front stairs of a single-family residence. The difference is the expectation of the person or enterprise deemed to have extended the invitation. A business generally wants as many people as possible to accept the invitation; we doubt the same is true for most inhabitants of single-family homes.”

    The court did acknowledge that there are situations in which the line between private front yards and public spaces is blurred.

    “For example, residents of a single-family home could decide to hold a yard sale and post signs around the neighborhood advertising the day and time it will take place,” writes the court. “Similarly, homeowners aiming to sell their property could host and advertise an open house, inviting any person to visit for a tour.”

    But since none of those examples apply to the case involved in this appeal, the court concluded that her front steps were a private space.

    “[I]f the front stairs of a single-family residence are always a public place, it would be a crime to sit there calmly on a breezy summer day and sip a mojito, celebrate a professional achievement with a mixed drink of choice, or even baste meat on the grill with a bourbon-infused barbeque sauce—unless one first obtained a liquor license,” concludes the court. “Additionally… any intoxicated person who responsibly secures a ride home from a sober designated driver could be arrested for and convicted of public intoxication because they traversed the stairs of their single-family house while intoxicated.”

    The court reversed the conviction and remanded the case to the lower court for dismissal.



ribbi
  • by Chris Morran
  • via Consumerist


uIs Your ISP Not Following Net Neutrality? The FCC’s Got A Complaint Form For That.r


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  • (Pam)

    (Pam)


    Hooray! Net neutrality is finally, well and truly, the law. The courts did not uphold industry groups’ requests to press pause on the implementation, and so as of right now, ISPs are common carriers under Title II and are not allowed to mess around with your connections.

    Does that mean they’ll all behave perfectly well in perpetuity and we can live happily ever after? Well, no. Probably not. That’s not the way the world works, sadly. But it does mean that when someone breaks the rule, you can — and should — file a complaint.

    The FCC has updated their new consumer help center — specifically, the internet service complaint form. Among the issues concerned consumers can complain about, the form now contains “open internet/net neutrality,” right there alphabetically between “interference” and “privacy.”

    So what, specifically, qualifies as a net neutrality violation you can complain about? The FCC has guidance for that, too. In general, paraphrased, if’s a problem if there’s…

    • Blocking: ISPs may not block access to any lawful content, apps, services, or devices.
    • Throttling: ISPs may not slow down or degrade lawful internet traffic from any content, apps, sites, services, or devices.
    • Paid prioritization: ISPs may not enter into agreements to prioritize and benefit some lawful internet traffic over the rest of it on their networks.

    If your internet service provider is standing between you and the internet in any of those ways, therefore, go forth and complain.

    [via Ars Technica]



ribbi
  • by Kate Cox
  • via Consumerist


uIRS Working With State Agencies & Tax Preparation Companies To Combat Refund Fraudr


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  • It’s been a rough year for the Internal Revenue Service, what with thieves stealing information for roughly 100,000 taxpayers and a slew of fraudulent refunds filed with TurboTax that had the FBI and various states scrambling to investigate. Now the IRS says it’s working with state agencies and tax-preparation firms to combat stolen-identity refund fraud.

    In an effort to strengthen the security of the tax-filing system, the IRS says it’s seeking closer cooperation with tax-preparers and that it wants to work more closely with the industry to fight criminals, reports the Wall Street Journal.

    “We’re asking every company that helps taxpayers file returns to provide us information that will add layers of security and step up their pre-refund authentication,” IRS Commissioner John Koskinen said Thursday. “We’re also making clear that companies need to let the IRS know if they detect any suspicious activity or refund fraud patterns.”

    One big issue: Finding ways for taxpayers to more securely authenticate their identities when filing returns. The IRS said industry and government groups have already identified new kinds of data that be shared at filing time that will help with this, as well as detect potential refund fraud.

    For example, things like the Internet address and computer associated with the return and other characteristics of the transaction could be used to validate a taxpayer’s identity. In the recent hack of 100,000 taxpayers, thieves were able to steal data by gaining access to the IRS’ transcript system, which uses some pretty basic questions to identify taxpayers — questions like “Which of these is a past address of yours?” Those kinds of answers can be easily looked up if you’ve got the know-how.

    Two lawmakers working on better antifraud legislation say they’re pleased with the action.

    “The steps announced by the IRS today are a move in the right direction,” said Senate Finance Committee Chairman Orrin Hatch and Sen. Ron Wyden of Oregon. “The devil’s in the details, and we will be carefully monitoring how the new agreements are carried out.”

    Koskinen says it’s stopped three million fraudulent filings this year, in a 30% increase from last year. The IRS can use any good news in that realm, as it lost more than $5.8 billion in 2013, according to a study by the Government Accountability Office.

    IRS, Tax-Preparation Firms Join Forces to Combat Return Fraud [Wall Street Journal]



ribbi
  • by Mary Beth Quirk
  • via Consumerist