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MESSENGER

OKOLONA, MS
clrculd~on= 1165
WFEKLV

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Tog
, resolutions for a
healthy financial year
Scam artists go where the expe,icncc necessary," and
money is. As disposable "work from the comfort of
income rlses, so do the efforts your home". Get rcferences,
of those seeking to defraud. contact satisfied customcrs;
With the start of a ncw year, check with the BBB.
the Better Business ,Bureau (6) Resolve to bc an
(BBBrsewing ~issii3ippl1s
~. informed investor. Scam
once again prepared to assist artists tailortheir investment
consumers by providing infor- pitches well to entice unsus-
mation as they make major pecting investors. Avoid any
~urchasing,charitable, giving pitchcs that require you to
or investment decisions. "The "act or that "guarantee"
most important New Year's unbelievable profits.
resolution you can make is to (7) Resolve to formalize
contact the BBB--. before mak- a savings plan. Dctermine
ing major financ~aldecisions how much you need to bol-
and before responding to any ster your financial cushion
enticing (unsolicited) offers," and develop a plan to achieve
said Bill Moak, your goal.
PresidentICEO of the (8) Resolve to tackle
Mississippi BBB. your debt load. Establish a
Top I0 Resolutions debt repayment plan for the
(I) Resolve to get all year - and kecp strict records.
promises in writing. Make Pay morc than required on
sure the contract provisions monthly debt payments.
match what the salesperson (9) ~ e s 6 l v cto be wary
told you. Read and understand of unsolicited credit offers.
the contract and guarantee Ignore ads from. unfamiliar
before you sign. companies, especially those
(2) Resolve to guard your requiring advance fces to
personal information. Give secure a low-interest loan or
out credit card, bank account, rcpair your credit rating
or Social Security numbers (despite a bad credit history).
very cautiously. Be wary of (10) Resolve to deal only
phone calls, mail or omail with reliable merchants.
mcssages asking for such Don't do business with door-
information. to-door salesmen. Make sure
(3) Resolve to help chi)- that the business has a perma-
dren become informcd con- nent address and phone num-
sumers. Counsel them on ber. Chcck customer refer-
establishing a budget, help ences and contact the BBB
them spot signs of fraudfrip for information on the com-
offs, inform them about online pany's marketplace record.
privacy and security issues. Thc BBB has been seiving
(4) Resolvc to shop safely Mississippi since 1964 pro-
online. Cyberspace crooks viding Reliability Reports on
have the potential to perpetu- busincss and charity perform-
ate'scams quickly on the web - .,.
leaving no paper trails and
bypassing geographical
boundaries.
(5) Resolve to resist the
lure of "easy money". If you
arc contemplating work-from-
home opportunities, do your
homework. Verify their prom-
ises such as "fast money", "no

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