Howard is a nationally syndicated consumer expert who advises consumers how to save more, spend less and avoid getting ripped off.

Review product test results and other information from consumer experts.

If not, consumer experts and those in the industry advise asking these questions: Are your employees bonded?

Television's top consumer experts are put to the test and challenged to make a profit.

In general, however, consumer experts are not big advocates of insurance.

Martin Lewis, the consumer expert, said students were "ill-equipped and uneducated" about how the new system would work next year.

Other consumer experts say the consumer has not yet spoken.

The only problem with such kits, which can cost hundreds of dollars, say consumer experts, is that they are not likely to be effective or safe.

Some of the effects may not be positive - more competition, consumer experts say, probably means more business failures, for one thing.

But consumer experts are warning they could be extremely dangerous.