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Online Advertising and Marketing: A Checklist to Protect your Business and Consumers

Online Advertising and Marketing: A Checklist to Protect your Business and Consumers

These days, it seems like everyone is marketing online. From Facebook Pages, Google Adwords, blogs, and more, there are seemingly unlimited options when it comes to promoting your business online. Yet online marketing provides some challenges as well. Since there is some anonymity built into the internet, ethical considerations become even more important.

Here are some guidelines for business owners to remember when advertising and marketing online. The FTC (Federal Trade Commission) has provided these guidelines to protect businesses and consumers.

  • Maintain credibility on the Internet. The honest and ethical practices you maintain in your offline business must also be adhered to online. So be sure that your marketing doesn’t mislead, or contain omissions that prevent consumers from making informed choices. Make sure that people know exactly where they’re going when they click on your ad, and help them feel confident that they’re dealing with an ethical business person.
  • All claims must be substantiated, especially concerning health, safety and/or performance. The evidence will depend on the product, the claims and what experts believe necessary. Testimonials and endorsements must reflect typical experiences, unless clearly stated, and cannot be used if the advertiser itself cannot substantiate it. So don’t claim that your product cures a disease if you don’t have a clinical study to back it up. When in doubt, check with your company so you only post what you’re allowed to say.
  • Sellers are responsible and liable for all claims about their products or services. If you’re even slightly unsure whether you should say something, you probably shouldn’t. After all, you could cause serious trouble for your business.
  • Disclaimers and disclosures must be clearly stated. While there are many facets to this, one important one is that government rules require that you disclose your relationship with any company where you’ll profit through a recommendation. This means that if you recommend a product, people must clearly understand that you’ll make money if people follow your recommendation.
  • Advertising directly to children involves special rules. So if you’re sharing your information on a social network where children are allowed, or your products are for children, be sure to check with your company to find out what you can and cannot say legally.

For more information about marketing online legally, visit http://www.ftc.gov. Here you’ll find lots of resources that help protect you, and your customers!

Our mission at the Direct Selling Education Foundation is to help protect your business and your clients, and provide crucial education for your business success! If you find DSEF a valuable partner for your business, please click here and make a donation. Your support makes all the difference in our ability to support you!

Credit Cards: Understanding Your Rights

Credit Cards: Understanding Your Rights

Credit cards. They can be a real convenience. Yet they can also help unwary consumers drive up debt that is hard to escape. If you are a credit card user, it’s important to use your credit card wisely, and also understand your rights, in order to protect your credit rating and live the lifestyle you choose.

Using Credit Cards Wisely

When choosing a credit card, it’s important to check the interest rate that will be charged. When you do not pay the full amount of your bill within the billing cycle (around 30 days), you are charged a percentage of that amount on top of the amount owed. This can really add up each month, so be sure that you understand how much more you will pay for the same purchase.

For example, if you are purchasing a $1000 item with your credit card, and only pay $10 towards that amount each month, and your card charges 10% interest each month, you will pay $1159 extra in interest, and it will take you 18 years to pay off that item. Is it really worth it? You might be better off just putting money aside each month until you have enough to purchase the item outright.

You can check out your own purchases using a credit card calculator online, such as this one.

Understanding Your Rights

Credit card companies also have obligations when it comes to lending through credit cards. Some things you should know:

  • Your credit card company must inform you, in writing, 45 days before raising your interest rate. They must also tell you how to cancel your card as part of that notification.
  • You must receive your statement at least 21 days before the payment is due.
  • Interest rates cannot be increased during the first 12 months that you have a credit card.
  • Promotional rates must last 6 months.
  • Your bank can increase your interest rate if your payment is more than 30 days late.

These and other rights are included in this PowerPoint that you can download titled “Credit Card Act of 2009 and You.”

Know Your Credit Score

Your ability to get a credit card with a low interest rate is determined by your credit score.  It’s important to review your credit report regularly, to ensure that everything on it is accurate. This will help you make better decisions.

How do you protect your credit score? How do you teach your kids to use credit wisely? Would love to read your thoughts in the comments below!

Why Supporting the DSEF Matters: Guest Post by Jen Fong

Why Supporting the DSEF Matters: Guest Post by Jen Fong

When I served as president of a direct selling company, my first introduction to the Direct Selling Education Foundation (DSEF) was at a DSA Annual Meeting. Doris Christopher, founder of The Pampered Chef, unveiled the Ethics videos they’d just produced, and asked us to support the DSEF. To be honest, I wasn’t entirely sure what the DSEF did, but, heck, Doris Christopher is kind of an icon for me, and I wrote my check.

And I really didn’t think about the DSEF much beyond that. I wrote my check each year at the DSA Annual Meeting after a moving presentation, and that was it.

And then this year, the DSEF approached me about helping with their social media strategy. And I got a chance to participate in some of their events with outside stakeholders, meet the passionate staff, interview some of their partners at colleges, the Council of Better Business Bureaus, Women’s Business Centers, and more.

The stories I heard were remarkable. Stories about giving women a chance to make it because they learned about direct selling through DSEF’s partnerships with Women’s Business Centers. About students who never understood direct selling before, but after attending a Girl’s Night Out or Campus Days event realized that they might one day want to own their own business. About women who got free financial information as a result of the programs that the DSEF supported, which helped them make wiser decisions about their money. And it made me even more passionate about telling the DSEF story through social media.

Because you see, the DSEF has quietly, behind the scenes, been serving the public for nearly 40 years. They’ve been advocates for women’s empowerment. They’ve defended the rights of consumers. They’ve helped college students learn about why direct selling is a great entrepreneurial option. And throughout this work, they’ve also produced some remarkable resources that direct sellers can use to build their businesses in an ethical way.

Here are just some of the resources they’ve shared to date:

Pretty remarkable, right? The work they’ve done on behalf of the industry is enormous. And they’re not even CLOSE to done.

So this year, I encourage every direct selling company to be generous in their support of the DSEF. Tell your salesforce to go get the amazing resources they’re sharing through their Facebook, Twitter, and YouTube accounts. They need your support to continue showing the world that direct selling is an ethical, legitimate option. They need your support to stand up for consumer protection, ethics education, women’s empowerment, and more.

They make you look good. They help the public understand that you’re NOT a pyramid scheme, but instead a legitimate business opportunity. They provide 3rd party resources that help your salespeople show how ethical you really are.

Companies can support the DSEF. And so can individuals. I encourage you to support the DSEF right now. Click here to donate.

It matters.

Jennifer Fong is a corporate consultant and speaker who teaches direct selling companies and individual direct sellers how to use social media effectively as a business building tool. She is also the author of the blog, Direct Sales and Social Media, which is read by thousands of people in direct sales from around the world.

Take Control of Your Finances: Tips to Become Debt Free

Take Control of Your Finances: Tips to Become Debt Free

Money. It’s something that each of us deals with on a daily basis. Yet a lot of us are not very good at it. Out of control credit card debt and spending, instead of investing and saving, are causing levels of debt that are nearing crisis levels.

Fortunately, there are some simple things you can do right now to get yourself out of debt, and take control of your finances. Here are some tips:

  • Keep a spending diary. Every time you spend money, write down what you’re purchasing, and what it’s for.
  • Write a list before shopping, and stick to it. You’re less likely to load up on impulse buys if you have a list.
  • Have a certain amount in your checking account automatically transferred to savings each month. The savings can really add up over time.
  • Work a part-time business on the side, such as direct selling, and put that income towards debt or savings. It’s a great way to help with bills without touching the money from your regular income.
  • Pay your mortgage every two weeks instead of monthly. The extra payments will cut years off your mortgage payments.
  • Start a “clothing co-op” in your neighborhood. Participants pass kids’ (and even adult!) clothes down as the kids grow out of them. Everyone saves money!

Ready to learn more about taking control of your finances? Check out the Moneywise Women Get Smart teleseminar series. Our sponsorship makes these calls free for you. Take advantage, and get smart about your finances!

Ethics in Business: What You Can Do as a Business Owner

Ethics in Business: What You Can Do as a Business Owner


As a business owner, you know how important your reputation is. People do business with you because they know, like, and trust you. As a result, it’s important to be sure your business transactions are conducted with the highest level of ethics. In this interconnected world, even on questionable transaction can come back to haunt you time and time again.

So what can you do to assure your customers that you hold yourself, and your business, to the highest level of ethics? Here are some tips:

  • If you’re a direct seller, join a Direct Selling Association (DSA) member company. (http://dsa.org) Organizations that are members of the DSA agree to the DSA Code of Ethics. Explain to customers how shopping with a DSA member company benefits them.
  • Understand how the DSA Code of Ethics works, and what it means for your business. A great place to start is by watching our series of ethics videos. You can view them on our YouTube channel here: (http://youtube.com/TheDSEF)
  • Make sure your customer always understands exactly what he/she is purchasing, how it works, and how much it costs. Always follow up after the sale to ensure that the customer is satisfied. If he/she needs to return something or changes his/her mind about a purchase within 3 business days, make it easy. This helps build a customer for life.
  • Make sure it’s easy to contact you both before AND after the sale, so if a customer needs something they can find you easily. Include your name and phone number on the customer’s receipt, and verbally tell them how to contact you at the end of the transaction. If you’re online, it’s also a good idea to connect with your customer via your social networks, so you’re easy to reach if there’s a need.
  • Keep your word. If you tell a customer he/she can expect something from you, make sure it happens. Ethics and integrity are paramount when you’re a business owner.

Ethics is a key component to any successful business. Not only will you feel great about the work that you’re doing, but customers will prefer to shop with you, because they know they can trust you.

To learn more about ethics in business, and resources we provide to help, visit our website at http://dsef.org. We’re here to help you do business better! We wish you much success.

Women’s Entrepreneurship in a Down Economy: Tips for Starting Your Own Business

Women’s Entrepreneurship in a Down Economy: Tips for Starting Your Own Business

Ready to Start Your Own Business? Tips for Getting Started

June is National Women’s Confidence Month. Many women find that owning their own business gives them tremendous confidence. It helps you take control of your finances, set and reach goals, and enjoy the satisfaction of accomplishing what you set out to do.

This economy has been a tough one for many families. Many people have lost their jobs, and families have been forced to find new ways to earn an income. One way families have done so is through direct selling. It’s a low investment way to start your own business. What’s nice about direct selling is that it can be done around other priorities. So if you’re looking for work, you can do it on the side and still bring in some income. Others start part time, with the intention of going full time once they reach a certain income level.

Have you thought about starting your own business? Here are some tips to help you get started:

  • On Your Own or With Support? Decide if you’ll start a business from scratch (larger investment of time and money), or if you’ll start a business under a company (direct sales or franchise).
  • What Kind of Business? Are you interested in consulting, sales, virtual administrative support…there are many things you can do. Decide what you’re most interested in doing, and where you’ll earn the income you’re looking for.
  • How Much Will I Need to Invest? Be sure you understand the costs involved in starting a business. Do you have the money, and are you able to earn your initial investment back quickly?
  • Do your Research! Research the type of business you want to start. Who has been successful in this business? How much time is required? Will you need to learn any new skills to be successful? Is training provided? How much income can you earn? If possible, talk to others who have run a successful business in the field you wish to work. A women’s business center in your area can be helpful as you conduct this research.
  • Check Out the DSA Website. If you’re thinking about a direct selling opportunity, check out companies that are Direct Selling Association members (http://dsa.org). These organizations agree to comply with the DSA code of ethics, which protects you and the consumers you’ll work with. It’s a great idea to choose a DSA company that offers a product line you love.
  • Tap Your Warm Market. Talk to your friends and family about the business you’re thinking about starting. Are any of them potential customers? Would they do business with you? It’s great to get a feel for your “warm market” prior to starting your business, as this can be a great foundation from which to start.
  • Read Any Contracts Carefully. When you start your business, you’ll likely need to sign agreements or other contracts. Be sure you read these carefully, so you know exactly what terms you’re agreeing to. When in doubt, consult with an attorney who specializes in small businesses.

Above all else, be sure you choose a business you’ll enjoy. After all, you’ll most likely be spending a lot of time on your new business. Be sure it’s something you’ll still enjoy a few months and years from now.

Owning your own business can be a fun and profitable experience. It also helps you develop new skills, and the confidence you need to succeed. For additional resources related to running your business ethically, we invite you to check out the resources on our Facebook Page. We wish you luck with your new business!

DSEF Academic Engagement

Complete a brief survey to help us identify academic or university connections companywide.

This survey will help us learn more about:

  • The various partnerships each department has with a professor, college or university.
  • The existing connections that our employees may have with a university.
  • How our team can better support or align with these relationships.

Please provide us with the following contact information:

Do you or your department have an ongoing professional partnership or personal relationship with a university, college professor, program or department?