All posts tagged community outreach

DSEF & CBBB: Five Facts You Didn’t Know About the BBB

DSEF & CBBB: Five Facts You Didn’t Know About the BBB

Today’s highlighted blog post from the Council on Better Business Bureaus (CBBB)

Click here:

Five Facts You Didn’t Know About the BBB

1.)   We are not a government agency.

2.)    Complaints are handled by the Better Business Bureau office in the area where the company is based.

3.)   The BBB is not a consumer watchdog.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & CBBB: My Experience With Multi-Level Marketing

DSEF & CBBB: My Experience With Multi-Level Marketing

Today’s highlighted blog post from the Council on Better Business Bureaus (CBBB)

My Experience With Multi-Level Marketing

By Holly Doering

When I was a little girl, my mom stayed at home to look after us kids while my dad worked. That was just what women did. Especially in a small Idaho town with a limited job market. One day my mother brought home a trunk of cosmetics: almond face lotion, peppermint foot rub. There was even something called “Royal bee jelly”—I think—that was thick and soft but not greasy. The company was called “JAFRA”—Jan and Frank were the owners—and all Mom had to do to make money was to host parties and invite her women friends.

What happened next was what often happens—Mom threw a few parties, went to a few parties, and then the creams and lotions sat in the cupboard for the next decade. (They were really good products though!)

In college, I worked for a fast-food franchise owner who was big into Amway. She bought all their cleaning products for the restaurant. She was convinced that this company was her ticket to early retirement and possibly multi-millionaire-dom. As far as I know, she’s still trying to become a Diamond.

The BBB sometimes gets calls about multi-level marketing (MLM) opportunities. Are they scams? While any particular scenario could be a scam, the short answer is no. MLM is a legitimate business model that has made certain individuals extremely wealthy. However, it isn’t easy.

Many people who get into network marketing don’t have the personality or the tenacity to make a go of it. They chicken out of making cold calls or meeting strangers at Perkins. They don’t want to invest all the time into their home business that would be necessary for it to succeed. Or, they get divorced and end up splitting their downlines.

You see, I worked for a network marketing company for a few years. But not as a distributor—I stayed with a steady paycheck from the corporate offices. It was there that I met a company executive who had gone from abysmal failure—sleeping in his car—to  becoming a millionaire with these MLM products. And when he did, his sponsor, the man who recruited him, became a multi-millionaire.

I chose this particular MLM company to work for because their products:

  • Were environmentally-friendly
  • Were not tested on animals
  • Were not significantly more expensive than items in the store
  • Were something I could believe in

Here are some tips on how to research a MLM company and make sure it’s right for you. Think about:

  • How transparent is the company? Are you getting real answers to your questions, and not just the run-around or a company line? Do they disclose their financials?
  • Has the company been around for awhile? (The longer, the better.)
  • What is the initial investment?
  • Who will support you? Does your sponsor seem like they will actively coach you and have time for you? Can you meet other people in this person’s downline?
  • How are refunds—to you and to your customers, clients, prosumers, or whatever they call them—handled? How do they deal with complaints?
  • Is their technology easy to use or is it kind of a pain?
  • What is the competition?
  • Are they aware of or do they subscribe to the Direct Selling Association (DSA) Code of Ethics?

Final thoughts

1)      Remember that pyramid schemes, which can look like MLM to begin with, are not legitimate. A genuine MLM opportunity involves product and is not simply mailing cash back and forth.

2)      You may not want to make your living from your MLM business—I’ve been to plenty of Cabi, Partylite, Avon, and Pampered Chef parties hosted by friends who just wanted to get these products that they liked discounted or cheaper. Even so, do your homework first. You won’t be sorry you did.

Free e-book “Business Owner’s Road Map to Success.” It has over 50 pages of techniques for everything a small business owner needs to master, from business planning and ethical selling to a success mindset. It’s all there and it’s free for you. To get it, just “Like” our Facebook Page here: http://on.fb.me/KsIN6P Pass it on!

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & Money Wise Women: What Pulls Your Trigger? Four Reasons You May Overspend

DSEF & Money Wise Women: What Pulls Your Trigger? Four Reasons You May Overspend

Today’s highlighted post from Money Wi$e Women Get Smart Teleseminar Series:

What Pulls Your Trigger? Four Reasons You May Overspend

Do you ever feel “triggered”? Do you ever find yourself spending money you didn’t intend to, but you do it anyways? Sometimes we feel almost defiant when we spend. Sometimes we feel numb. But often, there is a deeper trigger behind our less-than-conscious spending. When we know what triggers us, it helps us avoid overspending in the first place and we become better able to analyze our overspending when it does happen. Thinking about our spending triggers also helps us not beat ourselves up so bad. So join money coach and author Mikelann Valterra as she talks about four kinds of spending triggers. Because if you can think about WHY you spend the way you do, you’re less likely to fall into overspending traps. And yes, you can actually use overspending as a personal growth experience!

 

DSEF proudly sponsors the free Money Wi$e Women Get Smart Teleseminar Series hosted by Marcia Brixey, Founder and President of Money Wise Women Educational Services and author ofThe Money Therapist: A Woman’s Guide to Creating a Healthy Financial Life. The series covers topics related to business and finances and provides women the opportunity to learn from professional experts in a safe, comfortable environment.

To find out about upcoming teleseminars, visit http://www.moneywisewomengetsmart.com/

DSEF & CBBB: Facebook to Start Charging for New Profile Changes?

DSEF & CBBB: Facebook to Start Charging for New Profile Changes?

Facebook to Start Charging for New Profile Changes?

Will Facebook start charging due to the new profile changes? The answer is NO!

There’s a chain letter spreading through social media saying that Facebook will begin charging due to the new profile changes. It’s false.

It says:

IT IS OFFICIAL. IT WAS EVEN ON THE NEWS. FACEBOOK WILL START CHARGING DUE TO THE NEW PROFILE CHANGES. IF YOU COPY THIS ON YOUR WALL YOUR ICON WILL TURN BLUE AND FACEBOOK WILL BE FREE FOR YOU. PLEASE PASS THIS MESSAGE ON, IF NOT YOUR ACCOUNT WILL BE DELETED IF YOU DO NOT PAY

 

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

 

 

DSEF & CBBB: Should I Buy Medication Online?

DSEF & CBBB: Should I Buy Medication Online?

Today’s highlighted blog post from the Council on Better Business Bureaus (CBBB)

Should I Buy Medication Online?

– DECEMBER 13, 2011 POSTED IN: HEALTH CARE SERVICES, NATIONAL

You gotta love spam. Or maybe not. Either way, an unsolicited email from “CANAD1AN-DRUGSTORE” caught my eye this morning. It promised me “80% OFF CIAL1S-V1AGRA-LEV1TRA.”

Hmmm. I need two bottles of insulin about every three weeks in order to live. Not to mention test strips, syringes, ketone kits, emergency blood sugar tablets and other supplies. These items are very expensive. Worse than a $5 a day coffee habit. Eighty percent off would be fantastic. But…

But me being me, I’m a little leery. Here’s what the U.S. Food and Drug Administrationhas to say about buying medications online:

Good points

  • It’s easier to get products. This is helpful if you can’t leave your home or live far from a drug store.
  • You can check many different sites to check out products and prices.
  • You can ask a pharmacist questions in private.

Dangers

Some web sites:

  • May not know the cause of your health problem. They could also give you the wrong medicine for your illness.
  • Some sites will sell you prescription drugs even if you don’t have a prescription. This is against the law.
  • Don’t protect your private information, like your credit card number.

Some medicines sold online:

  • Are fake
  • Have things in them that are could hurt you
  • Are too strong or too weak
  • Are too old to work
  • Aren’t approved by the FDA
  • Aren’t made using safe standards
  • Aren’t safe to use with other meds or products you use
  • Aren’t labeled
  • Aren’t stored or shipped the right way

How can I buy online safely?

  • There is a program that makes sure online drug stores are legal and honest. It is called the VIPPS (Verified Internet Pharmacy Practice Site). Websites can choose to apply or not to apply to use the VIPPS seal. Before using a website, check for the VIPPS seal.
  • Don’t buy from sites that sell:
    • Prescription drugs even if you don’t have a prescription.
    • Products that are not approved by FDA.
  • Use sites that have a pharmacist to answer your questions online. Only buy from sites based in the US. It’s against the law to buy prescription drugs from other countries. It could also be unsafe.
  • Go to your doctor or clinic before using any medicine for the first time.
  • For more information, you can contact the National Association of Boards of Pharmacy, which works with the FDA to ensure drug safety, or the FDA athttp://www.fda.gov/default.htm or 1-888-INFO-FDA.

If I do decide to try to buy diabetic supplies online, it won’t be by clicking on an unsolicited email with suspect spelling, that’s for sure.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

 

DSEF & FTC: Thinking about Layaway? Know the Fees Before You Shop

DSEF & FTC: Thinking about Layaway? Know the Fees Before You Shop

Today’s highlighted blog post from FTC/NCPW:

Thinking about Layaway? Know the Fees Before You Shop

November 17th, 2011 by Lisa

As Black Friday draws near, thoughts turn to holiday shopping, and how to get the items you want for a price you can afford.  If you choose to buy using layaway, the Federal Trade Commission (FTC), the nation’s consumer protection agency, has a few holiday tips for you:

  • First, get all the details about the retailer’s layaway plan in writing before you shop.  Look for the terms of the plan — including the time you have to pay for your items, the store’s refund policy for layaway items, minimum payments, and layaway charges or other fees.
  • Second, it’s useful to compare the costs of using layaway versus using credit.  Add up the total amount in fees you will pay at a specific store before you get your item(s) out of layaway.  Then, if you have a credit card, determine how much money in interest you would pay if you charged the same item(s).
  • Third, be sure to check out the store, including online retailers, before you shop there at all. Your state Attorney General’s Office (www.naag.org), local consumer protection agency (www.consumeraction.gov), and your local Better Business Bureau (www.bbb.org) can tell you if consumers have filed complaints against the retailer or online service.

Before you hit the stores, take a look at the FTC’s consumer alert on layaway plans.  Also, if a store fails to disclose important terms of its layaway plan, it may be breaking the law.  If a retailer hasn’t explained its layaway terms, or has otherwise misled you about them, file a complaint with the FTC at ftc.gov/complaint or by calling 1-877-FTC-HELP (382-4357).

For 13 years, the DSEF has been proud to partner with the FTC and other organizations to offer a wide array of education events and resources that encourage consumers nationwide to take full advantage of their rights and make better-informed decisions.

You’ll find a wealth of resources at www.ncpw.gov that will help you protect your privacy, manage your money, learn more about credit and debt, decipher advertising messages, and steer clear of fraud and scams.

Please take a moment to share the resources on this Web site with others in your communities and companies and, together, we’ll help build a nation of better-informed and educated consumers.

Charles. L. Orr
Executive Director

Direct Selling Education Foundation

DSEF & CBBB: Facebook Lottery Scam

DSEF & CBBB: Facebook Lottery Scam

Today’s highlighted blog post from the Council on Better Business Bureaus (CBBB)

Facebook Lottery Scam

BBB has received reports recently about an email scam involving Facebook.  The email purports to be directly from Facebook founder Mark Zuckerberg and says you’re the winner of a million-dollar Facebook sweepstakes.  The email is a scam and it’s suspected that it’s being used to deliver malware onto consumers’ computers.  As a result, BBB warns anyone who receives it to avoid clicking any links and to delete the email immediately. 

Aside from the use of Facebook to draw consumers in, the email scam carries with it many common red flags: consumers are being emailed out of the blue, they’re being asked to click on suspect links in order to “claim a prize,” and there’s often an explicit demand for confidentiality, as well.

Should you receive an email like this, you can report it to the Internet Crime Complaint Center at www.ic3.gov.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & Money Wise Women: Become a Sought After Speaker to Grow Your List, Attract Clients & Make Your Biz THRIVE!

DSEF & Money Wise Women: Become a Sought After Speaker to Grow Your List, Attract Clients & Make Your Biz THRIVE!

Today’s highlighted post from Money Wi$e Women Get Smart Teleseminar Series:

Become a Sought After Speaker to Grow Your List, Attract Clients, and Make Your Business THRIVE!

Would you like to walk out of your house in the morning, go to a place where you know no one and come home with clients in the afternoon? If so this info. packed session is for you. You will learn: All the reasons why public speaking is the best business building strategy, how to get started to position yourself as a speaker and get booked, what to do before during and after your presentation to come home with clients.

DSEF proudly sponsors the free Money Wi$e Women Get Smart Teleseminar Series hosted by Marcia Brixey, Founder and President of Money Wise Women Educational Services and author ofThe Money Therapist: A Woman’s Guide to Creating a Healthy Financial Life. The series covers topics related to business and finances and provides women the opportunity to learn from professional experts in a safe, comfortable environment.

To find out about upcoming teleseminars, visit http://www.moneywisewomengetsmart.com/

DSEF & CBBB: Five Business Lessons I’ve Learned From My Dog

DSEF & CBBB: Five Business Lessons I’ve Learned From My Dog

By Holly Doering

1.) If You Give Someone a Second Chance, You Are Sure to Benefit Too.

The latest addition to our family, a Blue Heeler, got in trouble at her original home for chasing livestock. Through a friend of a friend, we learned the little dog’s story and rescued her. She has a forever home with us and she seems grateful. I never expected to fall in love with an animal weighing just 21 pounds—I’ve always been a “big dog” person. But she has brought so much joy and serendipity to our lives!

Why not give someone else a second chance today—a coworker perhaps. Most people are just doing the best they can, given what they know. Forgive them for a perceived wrong they may have done you and more forward with a joyful spirit.

2.)    Focus. Focus. Focus.

Anyone who shares their life with an Australian Cattle Dog already knows—they can’t be distracted from their pursuit of their passion. With ours, it is a Frisbee. One day I got a tortilla out of the refrigerator to make dinner and she started jumping up and down. She thought it too was a Frisbee. I often think, if I were as focused about writing my novel as she is on fetching the Frisbee, I’d be published by now. Her secondary obsession is the ball–and anything that looks like one, such as an apple, or a tomato. Whatever your task is, put all your energy into it. It’ll get done faster and better.

3.)    Playbreaks Make You More Productive

Of course, you can’t stay focused 24-7. Even my dog takes naps–and when she sleeps, she is really out. When I get into writing an article, blog, or essay, I get very intense and will sit at the computer until my shoulders cramp. This isn’t good for the human body. My Blue Heeler reminds me to get up every few hours, stretch, eat something, and of course—take her outside for a Frisbee session. She is very insistent. And she’s right. You can avoid hitting the point of diminishing returns (and do your body a favor) by taking frequent small breaks. A BBB Accredited massage therapist told our office this once, but it took a dog to really drive the point home.

4.)    Multi-tasking Doesn’t Work As Well As You Think.

Ever tried to do two, three, or even four things at once? When my dog starts whining, sometimes I think I can keep working on the computer with one hand and throwing the ball for her with the other. Uh-uh. That doesn’t work. A recent study showed that the more different tasks we try to cram into the same period of time, the more tired our brain becomes. It is better to concentrate on one task until it is finished. The speaker on NPR who was referring to the study said that the most efficient way to work is to limit the number of times that you check your email in a day and to turn off those pingers! Case in point on the home front: Last night while washing dishes, something bubbled over on the stove because I had forgotten to check on it—because I just wanted to finish one more dish, and then one more.

 5.)    It’s Not All About Me.

Limiting interruptions is good. Choosing which interruptions are priority is better. It isn’t usually convenient for me to stop what I’m doing and attend to my dog’s needs. But when I make the time, she’s a lot happier—and ultimately so am I. It can be frustrating to be interrupted by coworkers, callers, and clients who need something from you. However, by helping others with their tasks and problems your own will inevitably go better. Make the time. It’s not all about you.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

 

DSEF & Money Wise Women: Developing a Spending & Debt Reduction Plan

DSEF & Money Wise Women: Developing a Spending & Debt Reduction Plan

Today’s highlighted post from Money Wi$e Women Get Smart Teleseminar Series:

Developing a Spending & Debt Reduction Plan

Becky House is the Quality Assurance and Education Manager for North Seattle Community College Foundation dba American Financial Solutions. She has over fifteen years of experience in training and education development with non-profit organizations. Within the last ten years, Becky has specialized in developing and presenting financial education throughout the greater Puget Sound area. She presents classes for community resource agencies, for private employers at local colleges and universities such as the University ff Washington Law School and the University of Puget Sound. She currently serves as the vice chair of the Asset Building Coalition of Kitsap County and is the secretary for the Kitsap Housing Coalition. In June of this year she was honored by Governor Gregoire for her work on financial education.

DSEF proudly sponsors the free Money Wi$e Women Get Smart Teleseminar Series hosted by Marcia Brixey, Founder and President of Money Wise Women Educational Services and author ofThe Money Therapist: A Woman’s Guide to Creating a Healthy Financial Life. The series covers topics related to business and finances and provides women the opportunity to learn from professional experts in a safe, comfortable environment.

To find out about upcoming teleseminars, visit http://www.moneywisewomengetsmart.com/

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?