| Volume 67 Number 1 |
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The People’s Lawyer’s Tip of the Day
A store has the right to sell something and limit your right to return it by saying "no returns," or "exchange only." But this does not apply to something that doesn't work. You are always entitled to get a working product, unless it was purchased "as is." Click here for more.
Consumers Surprised by New Debit Fees
Bank of America is facing a wave of criticism after becoming the first bank to charge consumers a monthly fee to use debit cards to make purchases. A new rule limits the amount banks can charge merchants in transaction fees, leaving banks looking to generate revenue in other ways. Although the Bank of America fee is only $5 a month, consumers have never had to pay for debit cards before and probably won't willingly accept any new fees anytime soon. The new merchant swipe fee rules only went in to effect on October 1, so other banks may still follow the lead of Bank of America. Will you have to pay to use your debit card? Click here for more.
What to Expect - Apple Press Conference
On Tuesday, Apple will hold a press conference to make some major announcements. According to numerous reports, Apple will announce two new iPhones (the iPhone 5 and iPhone 4S) and some new services (including cloud computing). Those watching the press conference will see a new face in the role previously held by Steve Jobs. Apple CEO Tim Cook is expected to lead the press conference, giving consumers a unique insight into the direction of the company under new leadership. To follow the press conference, Click here for more.
Shopping: Money-Wasting Mistakes
Median household income has fallen. It's getting more difficult than ever to make ends meet. Looking to save some extra money when you shop? It's actually harder than you may think. For example, if you compare two items and the price tag is lower on one than the other, you will save money by buying the cheaper model, right? Not necessarily. By comparing price alone, you may be ignoring electric or maintenance savings. What are some other common money-wasting mistakes? Click here for more.
Your Money
Evaluate your company pension payout options! Click here for more.
For the Lawyers
Debt collector may be liable for damages under both state and federal law. The Ninth Circuit held that a debt collector that sent collection letters concerning obsolete debts to 40,000 individuals could be liable in a class action for statutory damages under both federal and California law. Click here for more.