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10 Tips To Safe Online ShoppingThe internet has changed our buying habits. Many people have found the convenience of online shopping to be a great experience. You can easily click and see the product. You have a fun time shopping, browsing, reading and getting informed about products. And you don't have to take time out from your busy schedule to fight traffic, crowds and lines to buy the perfect gift for your recipient. No wonder Internet business generated $301 billion in revenue last year, by a University of Texas estimate. If you compare shopping online to offline you would think as far as security goes, it would favor offline shopping, right? Not really. In the years past, shoppers were more reluctant to do their shopping online â€" now things have changed greatly. And that confidence in consumers directly reflects the enormous growth of online sales. I have a friend who took his wife out for a romantic evening to a local restaurant. The last place you would expect credit card fraud to happen. By the time he noticed they had charged him double the amount for their dinner, it was too late to go back to the restaurant. He rang me and we concluded that it must be a mistake. It was later that we found out that the restaurant owner's reputation was a bit shaky. Apparently he frequently overcharged customers in the hope they wouldn't notice. I don't know. It's a funny world we live in. Does this mean the internet is safe? Relatively yes, but don't forget, the Internet is an open field and there are some bad elements out there. We have been shopping online for years. We never had a problem with credit card fraud on the Internet. But then again, we always take precautions. From this point forward, you will see 10 checkpoints online merchants have to pass to secure our business... Will your credit card details be safe? Reputable companies online know that one of the things preventing customers from placing orders with them is customers not been sure whether their credit card details will be safe. Responsible companies have taken this concern onboard and have set up their systems to provide the customer with maximum security. How would you know if you are entering your payment details on a secure page? You should see a picture of a lock on the bottom right hand side of your screen. This lock will appear on the page that you fill in when ordering and ensures that your name, address and credit card information is being sent to the online store through encrypted code. This encrypted code means that a hacker will not be able to steal your credit card information. Does the online store value your privacy and confidentiality? Prior to the internet days, when I used to order something from a mail order company, mysteriously I would be sent advertising from companies that I hadn't done business with. Back then I didn't know that companies sold your personal information for advertising purposes to other companies. Receiving junk mail was annoying but because of the cost involved, it didn't happen constantly. Imagine now if you do business online with a company that doesn't respect your privacy and sells your email address. Next time you open your email software, you are bombarded with emails ranging from a dozen to hundreds. Now that's not annoying â€" it's intolerable. So moral of the story here, make sure your email address won't be sold. Ensure the online store has a privacy statement which would state they will maintain your personal details in the strictest privacy and confidentiality. Does the online store have contact details? You may think, of course an online store would display their contact details on their website. You would be surprised. I was. No email address, nothing. This is a sure red flag. Reputable companies will have contact details. Do they have a refund policy? Offline stores have a refund policy and you go into the store, physically select the product and are then allowed to return it for whatever reason. If a refund policy is important in offline stores, it's twice as important for online stores. The internet in convenience surpasses the offline world when it comes to shopping - but one thing it can't match is that offline you can physically touch the product. Therefore a refund policy of 30 days is great, more is better. No refund policy and I would stay away. Do they send you some sort of confirmation when you place your order? When you place your order what you need is something to tell you they have receive it, a receipt if you like. A reputable company will either issue you one via email or display a new page of their website where they thank you and tell you the order went through okay and your product is on its way. When do they deliver? What times do they deliver during the day? Do they deliver on the weekends? Can you choose a time to have your gift delivered? Will it be delivered personally to the recipient intended or will the courier leave it outside their door? How will your gift arrive? If its flowers, will it come with a vase or in a nice box or wrapped? Will your bouquet contain flower care instructions? How about flower food to make your flowers last longer? If you've ordered another gift product, will they wrap it? In what kind of material will they deliver it? Do they tell you these things on their website? How long have they been in business? This may not mean too much. There are companies that start off and surpass all others. But perhaps for your peace of mind, you may want to use an online store that has been in business for some years. To check the history of the company is easy. You can go to networksolutions.com and click on "whois" on the top bar. You will be taken to a page where you can enter the web address of the online store you want to check and you will receive the relevant information. Is the online store's site easy to use? Is navigating easy? Is looking for products easy? Do their graphics download in a reasonable time? A sure sign of an amateur sight is if they have their website cluttered with information. Have they gotten any bad reviews? A reputable company isn't necessary one that hasn't any bad reviews to its name. It's virtually impossible to please everyone. There have been companies I have bought from and absolutely loved. So it surprises me sometimes when I stumble on a bad review about their products or even bad comments about them. So when is a bad comment about a company worth considering? I take note of reviews where the writer complains of:
If you want to see what kind of reviews a company may have, click on alexa.com. When you get to the website, type in the address of the store you want to check out. This will also show you how long the company has been in business. Online shopping is fun. Take a little care and make it an experience! Happy shopping! Related
And here is another random article you might be interested in... 10 Ways To Protect Your Financial Identity Being Used For Someone Else's Shopping SpreeSomeone impersonating you could be spending your hard-earned money. Impossible! Not really, check, loan, and identity fraud are a real problem. In 2002, the federal trade commission estimated that identity fraud affected and estimated 3.3 million Americans; costing consumers $3.8 billion and business $32.9 billion. Here are 10 ways to protect yourself from having your financial identity used for someone else's shopping spree: 1. Order your credit report once a year from each of the three credit bureaus to make sure that you are familiar with all of the reported transactions and that there isn't any unusual activity. Call (888) 5OPT-OUT to request to have your name removed from their marketing lists. 2. Cancel all unused credit card accounts, and make sure to keep a copy of your credit cards and the toll free contact numbers so you can report the card number immediately if it is lost or stolen. 3. Don't carry extra credit cards, your social security card or passports in the same wallet except when completely unavoidable. 4. Install a locked mailbox at your office or home to keep people from snatching your mail. Don't drop paid bills in the mailbox; take them to the post office to be mailed. 5. Ask your bank about its privacy policies and information practices. Find out the circumstances under which your bank would provide your account information to a third party. 6. Always save your credit card receipts to match against your monthly statement. Keep track of when your cards expire to make sure your new card arrives in the mail. 7. Never have your social Security number printed on your checks. Never put your account information on the outside of an envelope or on a postcard. Give your Social Security number only when absolutely necessary. Ask if you can use another type of identifying number whenever possible. 8. Review your phone bills and cellular phone bills each moth for any unauthorized use. And compare your ATM receipts and cashed checks with your periodic bank statements to check for unauthorized transfers or charges. 9. When filling out a loan or credit application, ask how the company disposes of them. When you receive one of those pre approved credit card offers in the mail make sure to cut it in small pieces before throwing it away. 10. When creating passwords or Personal Identification Numbers (PIN) choose something different from your address, telephone number, middle name, the last four digits of your Social Security number, your birth date or any other information that could be easily discovered by thieves. Bonus- Always write checks using a fine point permanent marker and put a line before the written amount so that no one can add something in once you've written the check. Resources: Credit reporting bureaus: Experian- P.O. Box 2104 Allen TX 75013-2104 Trans Union- P.O. Box 390 Springfield PA 19064-0390. Check verification companies: To verify if there are any activities on your account from fraud contact these verification companies. CheckRite- 800-766-2748 Social Security Administration- Related
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