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December 2002 |
Four Rules You Should BreakCommercial enterprises will often impose rules and restrictions on consumers that benefit no one except the business itself. These rules survive because many of us are intimidated into obeying, however, some rules are meant to be broken. Here are four situations where you should refuse to be ordered around. · Have you ever been in a retail shop and noticed a sign reading, “You break it, you bought it”? Well, courts normally don’t recognize this rule. Generally, you are under no obligation to pay for a mishap, as accidents are a part of doing business and should be covered by the store’s insurance. Also, the storeowner should know that breakage is a legitimate business deduction. If you are too mortified to insist on not paying, agree to pay for the cost of the item, not its selling price. · Most appliances and gadgets come with a warranty card that the manufacturer claims must be filled out and returned to ensure warranty coverage. The manufacturer wants consumers to think that unless the card is completed, the appliance is not under warranty. In fact, warranty coverage remains in effect regardless. Manufacturers want the card because it provides valuable marketing data. They also may use the contact information in the event of a product recall. So only provide your name and address when you return the card. · Contractors, like housepainters and remodelers, often will say they must be paid up front for at least a portion of the cost of a project. Don’t succumb. Contractors are notorious for getting sidetracked by bigger, more lucrative jobs. So refuse to pay them anything up front until all the materials are delivered and the job is started. Then pay one-third, holding back the rest until the work is completed. · Credit card issuers often will say they must have your Social Security number on file. If you refuse, they will not issue you a card. You should not give in. Other than certain government agencies and your bank, which must report income to the IRS, no one should have access to your Social Security number. The security of your number is paramount in preventing identity theft and other types of financial fraud.
Attorney’s Night Before
Christmas
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