Before you buy a product or service either online of from a brick and mortar place, do this 1} do research at your local BBB{better business bureau} or BBB online and websites such as this. 2{get a prepaid visa or mastercard and load it with the minium amount or whatever is the charge for the product or services you buy. Use this card only for phone, online, and brick and mortar stores. 3{ make sure the company has a valid phone number and/or an email address. 4{ read the company's policy on refunds before you order. 5{ check with the... read full review »