"Call now! Operators are standing by!" I want you to be careful about TV offers. Some  years ago I did a fun news story in my TV work where we ordered a number of products off television ads. Each one was hyped to be the greatest product ever sold.

In the news spot, we first showed the TV demonstration, then they cut to me actually using that same item. Not a single product worked like it did in the commercial!

One of my favorites was an ultra-strong power washer that attached to your garden hose, with a claim that you'd never need to hire a professional power washer for your concrete or siding again. I hooked it up to a hose, turned the water on high, pulled the lever... and the water barely dribbled out. Nothing happened. At least it made for some great video!

Well, Time's Moneyland blog did a piece recently on 7 infomercial products that actually work. Here's their list:

• PastaBoat ($6)
• NuWave Oven ($130)
• Open-X ($10)
• Gutter Getter ($10)
• Magic Mesh ($20)
• Yoshi blade ($20)
• Grill Daddy ($15)

I just want you to know that when you see something advertised on a commercial or infomercial, the sales pitch is geared to create a sense of urgency before you come to your senses. ("But wait! There's more!") Know that you can never be sure what you're going to get. If you do buy something, make sure that you have -- in writing -- your right to return the product for a refund. And only pay by credit card so you can dispute the charge if necessary.