CONSUMER RECOMMENDATIONS 40 Insights CONSUMER RECOMMENDATIONS

PAY BY CREDIT CARD if something goes wrong it is so much easier to cancel payment CONSUMER RECOMMENDATIONS 1 – Pay by Credit Card

DEBIT CARDS BEWARE Youre account can be emptied If cash is gone and you challenge the transaction you have to restore money while challenge is pending CONSUMER RECOMMENDATIONS 1 – Pay by Credit Card

DEBIT CARDS BEWARE Youre account can be emptied 2 – Debit Card – Beware If cash is gone and you challenge the transaction you have to restore money while challenge is pending 1 – Pay by Credit Card CONSUMER RECOMMENDATIONS

USE CREDIT UNIONS INSTEAD OF BANKS 2 – Debit Card – Beware 3 – Use Credit Unions CONSUMER RECOMMENDATIONS 1 – Pay by Credit Card

2 – Debit Card – Beware MARRY THE RIGHT PERSON 3 – Use Credit Unions 4 – Marry the Right Person 1 – Pay by Credit Card CONSUMER RECOMMENDATIONS notes/2008/12/03/hourglass-figures-we-take- it-all-back.html

1 – Pay by Credit Card 2 – Debit Card – Beware LIFE INSURANCE 3 – Use Credit Unions 4 – Marry the Right Person Term Life Insurance Avoid gimmick policies Credit Life Insurance Cancer Policies Accidental Death and Dismemberment Pre-need Mortuary Insurance 5 – Life Insurance One Policy Point-of-Choice Sufficient CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance WARRANTIES ON CONSUMER ITEMS 6 – Warranties – Generally Avoid Generally Avoid Exceptions: Automobile – Original Warranty Cell Phone CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance EXTENDED WARRANTIES 6 – Warranties – Generally Avoid Always Avoid 7 – Extended Warranties – Always Avoid CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance INSURANCE SMALL CLAIMS 6 – Warranties – Generally Avoid Always Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance RENT-TO-OWN APPLIANCES 6 – Warranties – Generally Avoid Always Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances CONSUMER RECOMMENDATIONS The United States Department of Defense considers rent-to-own a predatory lending practice (defined as an "unfair or abusive loan or credit sale transaction or collection practice"), and groups it with payday loans, title loans, refund anticipation loans and other similar practices.

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance AVOID CONTESTS 6 – Warranties – Generally Avoid You win – lots of new junk mail 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance FOOD STORAGE 6 – Warranties – Generally Avoid The MOST IMPORTANT financial purchase youll ever make! 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu CONSUMER RECOMMENDATIONS PROSPEROUS MENU PLANNING

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance OVER THE PHONE PURCHASES 6 – Warranties – Generally Avoid Make that do not call call 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance PERSONAL INFORMATION OVER THE PHONE 6 – Warranties – Generally Avoid Never provide unless it is an obviously reputable company 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases 13 – Never provide personal information CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance DIETS 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases 13 – Never provide personal information Best Answers: Little evidence of success Best Program – Weight Watchers Eat Less Eat nutritionally balanced meals Exercise 14 – Diets – Eat Less / Save Money CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance WEALTH OF GREAT HEALTH 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases 13 – Never provide personal information Get regular physical examinations You have to care Perform regular wellness profiles 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health Minimize at risk health profiles CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu $ 247 Billion Annual Federal Revenue

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance REGULARLY GIVE BLOOD 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases 13 – Never provide personal information Its a great free medical examination Recycling is good for everyone 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance GET A FLU SHOT 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot tory.php?storyId= CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance INSPECTIONS HOME AND AUTO 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections Never purchase without an inspection CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance RECREATIONAL VEHICLES AND CABINS 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections Rent – Dont Own 18 – Recreational Assets – Rent CONSUMER RECOMMENDATIONS 11 – Food Storage - Prosperous Menu

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance REAL ESTATE TIME SHARE 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections Only in the secondary market 18 – Recreational Assets – Rent 19 – Time Share – only secondary market CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance FAST CASH ANYTHING 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections Always avoid: 18 – Recreational Assets – Rent 19 – Time Share – only secondary market Pay day loans Tax anticipation loans Every is approved loans 20 – Avoid fast cash anything CONSUMER RECOMMENDATIONS The United States Department of Defense considers rent-to-own a predatory lending practice (defined as an "unfair or abusive loan or credit sale transaction or collection practice"), and groups it with payday loans, title loans, refund anticipation loans and other similar practices. Title loans

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance HOME WHERE SMART BEGINS 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid fast cash anything Debt Payments Tithing = Net Monthly Income (x) 35% = Maximum Monthly Payment Avoid Gimmick Loans HIGHEST BREADWINNER monthly income (-) Monthly Obligations: Adjustable Rate Interest / Interest Only 21 – Home 'Where Smart Begins' CONSUMER RECOMMENDATIONS PURCHASING FURMULA THE SMARTER HOME owner/index.htm Well established neighborhoods – the neighbors The McMansion – the size Used are better – the new home smell

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance EQUITY LOANS 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid fast cash anything 21 – Home 'Where Smart Begins' DEBT CONSOLIDATION LOANS 22 – Home equity – debt consolidation Avoid the temptation CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance AVOID OBLIGATING BOTH INCOMES 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid fast cash anything 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation At greatest risk of bankruptcy 23 – Avoid obligatingboth incomes CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance ALWAYS HAVE HEALTH INSURANCE 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid fast cash anything 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation At greatest risk of bankruptcy 23 – Avoid obligatingboth incomes 24 – Always have health insurance CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance AVOID UP-FRONT FEES 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid fast cash anything 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation For most all professional services 23 – Avoid obligatingboth incomes 24 – Always have health insurance 25 – Avoid up-front fees CONSUMER RECOMMENDATIONS

1 – Pay by Credit Card 2 – Debit Card – Beware 3 – Use Credit Unions 4 – Marry the Right Person 5 – Life Insurance C.I.A. 6 – Warranties – Generally Avoid 7 – Extended Warranties – Always Avoid 8 – Avoid Insurance Small Claims 9 – Avoid Rent-to-Own Appliances 10 – Avoid Contests 11 – Food Storage - Prosperous Menu 12 – Avoid over-the-phone purchases 13 – Never provide personal information 14 – Diets – Eat Less / Save Money 15 – Wealth of Great Health 16 – Give Blood – Get a flu shot 17 – Home and Auto Inspections 18 – Recreational Assets – Rent 19 – Time Share – only secondary market 20 – Avoid fast cash anything 21 – Home 'Where Smart Begins' 22 – Home equity – debt consolidation 23 – Avoid obligatingboth incomes 24 – Always have health insurance 25 – Avoid up-front fees Check those who are checking on you 26 – C.I.A. CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases Large Purchases Sleep on it for at least one night Mentor – someone who doesnt make money on your purchase CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash CREDIT CARD REWARDS Take the CASH CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash CONSUMER RECOMMENDATIONS DEBIT CARD REWARDS Take the CASH

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash INTERNETINFORMATIONSOURCES Free information phenomena S.I.O.U.SurprisinglyInsightfulObjective and User Friendly 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash BUSINESSOPPORTUNITIES Carefully consider the probability of success The Best – Franchises – 95% Success The Worst – Multi-level Marketing – 99.9% Failure Big Money schemes: Real Estate Investor Seeks Apprentice Part-time work at home for $20,000 month 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash EDUCATIONINGENUITY Plan early Creative Ingenious Teenage Scholarships, Grants, etc. Keep applying even while in college 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source 32 – Education Ingenuity CONSUMER RECOMMENDATIONS scholarships-for-fun-and-profit/

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash SIX CAREER KEYS Cash – a Living Salary Advancement Potential Retirement Benefit – 401(k) with Match Education Benefit 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source Enlightened Professional Growth Path Risk Management – HSA Health Insurance 32 – Education Ingenuity 33 – Six Career Absolutes CONSUMER RECOMMENDATIONS C A R E E R

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash FINANCIAL DISCIPLINE Six Levels of Budgeting 1 - Keeping Track of Expenses 2 - Summarize Expenses in Categories 3 - Projecting Categories for Next Year 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source 4 - Limiting Expenses within Categories 5 - Planning to Reduce Expenses 32 – Education Ingenuity 33 – Six Career Absolutes MILLION DOLLAR CHOICES TM 34 – Financial Resource Discipline CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash ESTATE PLANNING EIGHT KEY DOCUMENTS 1 – Will 2 – Living Trust 3 – Living Will 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source 4 – Power-of-Attorney for Health Care 5 – Durable Power-of-Attorney 32 – Education Ingenuity 33 – Six Career Absolutes 6 – Life History 34 – Financial Resource Discipline 7 – I didnt know I wouldnt be here to say good-bye 8 – Family Medical History 2010 – Copy of Will Maker Plus on – $ – Estate Planning – Make a Will CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash CONSUMER PURCHASES – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 36 – Consumer Purchasing CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash PROSPEROUS MENU PLANNING TWO WEEK MEAL MENU 1 – Multiply into one year pantry 2 – Purchase in bulk 3 – Purchase on sale 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source 4 – Foods that can be stored 5 – Meals that are nutritional 32 – Education Ingenuity 33 – Six Career Absolutes 6 – Meals that kids will eat 34 – Financial Resource Discipline 7 – Alternative to excessive eating out 35 – Estate Planning – Make a Will 37 – Prosperous Menu Planning 36 – Consumer Purchasing CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash PRESCRIPTION MEDICATIONS GREAT CHOICES – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source BYU Student Medical Center Patient Assistance Program 32 – Education Ingenuity 33 – Six Career Absolutes Recurring Prescriptions over $50 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 37 – Prosperous Menu Planning 36 – Consumer Purchasing 38 – Prescription Medications CONSUMER RECOMMENDATIONS

39 – Identity Theft Services 26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash IDENTIFY THEFT SERVICES Not worth the money 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 37 – Prosperous Menu Planning 36 – Consumer Purchasing 38 – Prescription Medications CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash TEACH CHILDREN By example 80% Chance – Just like you 29 – Debit Card 'Rewards' - Take the Cash 31 – Business Opportunities 30 – Internet Information Source EOC – serious threat to future assets Creative-Ingenious Teenage Opportunities 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 37 – Prosperous Menu Planning 36 – Consumer Purchasing 38 – Prescription Medications 39 – Identity Theft Services 40 – Teach Your Children Pay for some or all of education and mission experiences CONSUMER RECOMMENDATIONS

26 – C.I.A. 27 – Large Purchases 28 – Credit Card 'Rewards' - Take the Cash 29 – Debit Card 'Rewards' - Take the Cash 30 – Internet Information Source 31 – Business Opportunities 32 – Education Ingenuity 33 – Six Career Absolutes 34 – Financial Resource Discipline 35 – Estate Planning – Make a Will 36 – Consumer Purchasing 37 – Saving 38 – Prosperous Menu Planning 39 – Prescription Medications 40 – Identity Theft Services 41 – Teach Children by Example 42 – 43 – 44 – 45 – 46 – 47 – 48 – 49 – 50 – 51 – CONSUMER RECOMMENDATIONS