Get the Most From Your Appliances
With small appliances, such as home computers, portable televisions, kitchen appliances (blender, toaster-oven, mixer), cellular phones, stereo systems and power tools, you can prevent problems by following these four steps:
- Follow our First Commandment of Smart Shopping and get a referral. The hot air curlers you want to buy may be made from cheap plastic that melts into your hair, causing a goopy mess instead of great curls. Check to make sure someone you know is well satisfied with the product.
- Use your credit card for purchases and to pay for repairs. You'll avoid disputes if the item is broken, or (if you're buying through mail order) it never reaches you, or isn't exactly what you ordered.
- Get it in writing. And make sure you keep a copy of any "we'll beat any lower price" advertisement, as well as the company's policy for returns.
- Test the exact item you're purchasing before you pay for it. Make sure it's in good working condition and free of defects before you get it home.
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Child Savings AccountsWhen opening a savings account for your child, make sure their Social Security number is used as the account's tax identification number. That way, as long as your child is under age 14, interest earned will be taxed at your child's lower tax rate, not at your tax rate. This rule holds true as long as your child earns less than $1,300 a year in interest. |
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