Consumers Association of Penang

Giving voice to the little people...since 1970

Avoid the Debt Trap

Wouldn’t it be wonderful if you were rich and you could buy anything that your heart desires without getting into debt? But then again the rich also get into debt. So what it all boils down to is perhaps not so much how much you have as how you manage to do with what you have.

How to spot a get-rich-quick scam?

Your neighbour wants you to sign up with her “direct selling” company telling you that there is easy money to be made. However, you are sceptical that it might be an illegal pyramid scheme. How can you tell the difference?