According to the Merriam-Webster dictionary, a scam is defined as ‘a fraudulent or deceptive act or operation’. And an even simpler definition for kids is ‘a dishonest way to make money by deceiving people’. Take for example, the Ponzi scheme, or emails from Nigeria or some other country offering you millions of Dollars in exchange for a small amount of money to execute the transfer. Some scam artists even go to the extent of declaring you lottery or sweepstake winners and just ask you to pay the tax component of your winnings beforehand. Yes, these are scams, but none of them will sell you a product that you can use.

Adam Ginsberg offers products and online business tools to help those who purchase them. Ginsberg asks people to pay money to buy his products in order to help them generate a healthy income for themselves by using these products. Adam Ginsberg does not scam people; he is not a con artist. He is just a businessman trying to sell his wares. And a successful businessman at that! Adam Ginsberg is respected as a pioneer and one of the foremost authorities on eBay entrepreneurship, having sold millions of dollars worth of products on eBay and other places on the internet for over 10 years.

Mr. Ginsberg has grown from being a successful trader to developing his own system that he has used to make money for himself before putting it out on the market for other people to buy and use for their own successes. He has training programs to teach people how to use his product. He offers a money-back guarantee and a year-long performance guarantee. Can it get any more legitimate than that? These types of assurances and guarantees are not the kinds of things you’ll find in a scam.

But like any other business, there are bound to be some dissatisfied customers. There are people who have found his system, after allegedly implementing its procedures, to be inadequate in their efforts to turn a profit. Their inability to succeed at their venture could be due to any number of reasons, but they blame Adam for it, and label their experience as an “Adam Ginsberg Scam”.

The complaint from these dissatisfied customers is that Adam Ginsberg’s products “don’t work”. The truth is, there are thousands of people out there who are making it work rather profitably. Those that complain about Ginsberg say they don’t get any support from him and his team; but Adam Ginsberg makes himself personally available for any customer who wants to talk to him. He has a dedicated team of customer support officers available on email and toll-free phone numbers to help with complaints or any allegations of scam or fraud.

Sure, sometimes there can be delays in getting a resolution for an odd complaint, but what business doesn’t have these delays? Adam Ginsberg is human, and so is his business venture. The fact that people have differing experiences of success and failure does not imply that there’s an Adam Ginsberg scam. Different people will use his products differently, and get different results from it.  What is sad though, is that people who are unsuccessful or dissatisfied are quick to jump on their keyboards and brand Adam Ginsberg as a fraud and a scam artist on the internet, without realizing that their irresponsible words are accessible to hundreds of millions around the world, and sets off a chain reaction of rumor mills and free-flowing, ill-informed opinions that not only tarnish the reputation of a businessman like Adam Ginsberg but also deprives so many people of the wonderful opportunities that Adam has to offer.

So, if you are one of those people who are not satisfied with Adam’s products, and tempted to consider them some sort of scam, Mr. Ginsberg invites you to get on the phone and speak to him before you unleash your anger on the internet. Adam is waiting for your call.

The team here at Ginsberg hopes that this article by  Kevin Mulligan about how to save money through credit cards is helpful.  You can read the original and full article here.

Your credit card spending says a lot about you; it might even say things that you don’t even realize. There are many things you can learn from your credit card bill. Which ones can have the biggest financial impact on your life?

Of course your credit card bill is going to show you how much money you spent last month, but you knew that. Did you know it could show you many other things?

One of the greatest tools you gain access to by putting a majority of your spending on a credit card is a categorical look at your spending. For many people simply figuring out where they spent that $20 bill or what that $72 check last month was for is complicated. You don’t get any trend data or the ability to look at your spending from a 30,000 foot view.

However, when you use a credit card, you do.

At minimum the major credit card companies offer a year-end statement that will break the last year’s worth of spending down into major categories. The best accounts will let you sort, analyze, and dig in to those categories – even down to specific stores.

With these modifiable views you can take a thorough look at your spending to figure out:

• Where you spent the most money last year
• How much you spent on groceries versus eating out
• How much you spent on car insurance
• How much you spent on utilities
• How much you wasted on interest and fees

You might be surprised by what you find. For example, if you spent just as much money eating out as you did on groceries, it might be time to pack a brown bag lunch more often. The spending analysis can help you change your spending for the coming year in a positive way.

If you are using a credit card wisely you shouldn’t have anything in this category. But hey, sometimes life happens, right? Seeing how much interest you paid on the balance and how much it will cost you to pay off with just minimum payments should encourage you to avoid paying interest moving forward.

If you unfortunately need to carry a balance for a long period of time, knowing your interest rate is the first step in finding a better deal. If your credit card is charging you 15% to 20%, you need to find a card with a low interest rate, a balance transfer offer, or both.

Maybe you’re a responsible credit card user that signed up for the card a long time ago. You know you get some sort of rewards for your spending, but can’t remember how much. Your statement will have a breakdown of what kind of rewards you are earning.

This can help you in two ways:

• you can tailor your spending to the highest rewarding categories for that card
• you can decide if you need to move to a more rewarding card
  

You might find out you have the perfect card for you. Then again, you might discover that you don’t spend any money in the best categories on that card and there is a different card available that offers you much better rewards for the areas you do spend in. Moving to a new card might earn you an extra 1-3% per year on your spending. That doesn’t sound like much, but over thousands of dollars of responsible credit card use it really adds up.