Those old enough to remember when radio was our main source of entertainment will recall advertisements for Little Orphan Annie's magic ring, Dick Tracy's decoder, and Jack Armstrong's bat pencil. We ordered them, sending in our box tops and quarters, and waited breathlessly for their arrival, only to be bitterly disappointed when we compared the tin trinket in our hands with the description we had heard over the air.

Many toys touted on television today are similar. And sadly, so are some of the offers we receive in the mail and in ads from financial institutions.

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