Things to avoid...

• Extended car warranties for used cars (you know, “if your car is less than a century old and has less than a million miles on the clock…”) especially those peddled on TV: can you imagine how profitable this scam is if a very much unknown company can saturate TV channels with these ads 24/7!!! Just read the fine print and talk to repair shops to gauge how good these “warranties” are, people!
• Penile enlargement scams peddled on TV, you know the ones that proclaim in a very faint print at the bottom of the screen that this shit is not FDA approved? It is not approved because it doesn’t work!!! Just get a Playboy or go see a real doctor!
• Outfits (they spend big buck on TV ads) that want to buy your “broken or unwanted gold jewelry.” You’ll got scammed out of 50-75% of the real value, so just go to a jeweler if you have “broken or unwanted gold jewelry” for sale for godsakes!!! (Really, is “broken or unwanted gold jewelry” such a common problem..?)
• Psychics for $1 a minute. Enough said!
• Homeowner’s loan modification deals seen so often on TV lately (where were all these people two years ago..?) some even disguised as news items shot in front of the White House with a cut-in speech from president Obama: you’ll end up in a long-term high-interest debt up to your wazoo AND will pay big bucks up front for that privilege!
• Identity protection scams: all offers, even those offered by your bank, are expensive and either totally worthless or just mildly effective! Buy a paper shredder and use anti-virus software on your computer.
• Free credit reports advertised on TV (hint: they ain't free...) And you can get a 100% free report by contacting the credit bureau.
• Things peddled on TV by various screamers and hollers: if this shit is so good why the fuck is it not available in any store..?
• Faux News. Just say no to pseudo news on TV, read a paper instead (and learn a foreign language or two so you can read even more real news from various sources and compare…)

Don’t be a fool who easily parts with his money!