Those ads that repeatedly pop up on your television sets showing those  amazing items are truly tempting to resist.

The bulk of these gadgets or shall I say items are advertised heavily for a period of time and then suddenly disappear to make way for new items.

The majority of these ads emphasize what people want to hear and are very convincing.

• The items are always shown to be exclusive TV offers and cleverly compared with a high price, "You'd expect to pay $90 for something like this, but you can have it right now for just $10

• Such items are not available in stores and their commercials stress this point.

• Quite a few times, the offer is also doubled, get two for the price of one if you order right away.

Think twice before you pickup the phone and go for your credit card to order such advertised products. Are they really what they are projected to do. Is it as easy as they seem to be in the commercial.

Ask yourself the number one question, why is this product not available in the store . . . . .

Money back guarantees mean nothing as they have so many conditions attached to them. When was the last time you repacked an item to ship it back? The chances are people just write off such things as a bad experience and yet go ahead and buy on instinct again and again.