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Buying Clubs
Buying clubs don't always save you money. They sometimes require a large initiation fee and sometimes your savings aren't enough to compensate for the cost to join.
 
For example, a $300 membership fee for a club that gives you a 10 percent discount on purchases would mean you would have to spend $3,000 to save enough to cover the cost of your membership fee.
 
Make sure you comparison shop before you join a buying club.
Things to consider before you join:
•  You may need to make a large number of purchases before you begin to save money.
•  You may have to make purchases in larger quantities than you really need.
•  You often can get goods for same price through discount stores and catalogue showrooms which don't require an initiation fee.
Watch out for:
•  Clubs that won't let you see their prices, catalogue or showroom until after you join.
•  Clubs that use high-pressure sales techniques.
Shopping by Mail, Phone or Internet
Precautions
•  Investigate the reputation of the company.
•  Ask about the company's refund and return policy.
•  Ask about the availability of the product.
•  Know the total cost of your order.
•  When shopping online, use a secure browser, shop with companies that you know, keep your passwords private, pay by a credit card that has additional cardholder authentication system, understand the refund and return policies and keep a record of your transactions.

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