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While the Internet is a wonderful place to get deals and bargains, where coupon codes and rebate deals are easier to find than the offline world, there is also a dark side, where scammers are trying their best to get their hands on your hard earned money. Here are some ways to protect yourself while shopping online:

Use A Credit Card

Most credit card companies will protect you should you experience a problem with a purchase. Some of them even have special online shopping credit cards, where you can get a special one time use only credit card number for use at a certain store. These offer excellent protection if you're worried about the security of the website you are purchasing from. This way, the company can only charge the card once and then the number is unusable.

Check Order Form and Cart Security

You can visually see if the form or cart you are using is secure and the information you send to the merchant is properly encrypted by checking the bottom of your screen and looking for a key or lock. The lock should be closed to indicate a secured page. The key should be whole and not broken. Alternately, you can usually right click on the background of the page and select PROPERTIES, the window that pops up will tell you if the page is encrypted and secure. SSL technology is a standard for most merchants carts and forms, so look for "SSL Technology" as the connection.

Browser

To protect yourself from phishing, which are fake websites that entice you to enter your personal information, make sure to use the latest version of Internet Explorer. IE7 has built in anti-phishing technology which should help you discern a real site from a fake site.

Windows Update

Make sure to run Windows Update before shopping, so you download the latest security patches and updates. This will further enhance the security of your browser.

Beware Shipping Costs

Shipping costs are probably the worst thing about online shopping. With fuel costs still high and shipping companies constantly raising their prices, shipping costs are higher than ever. Save on shipping costs by taking advantage of posted flat rate shipping deals and free shipping coupon codes. You can also sometimes save money by choosing to buy from online stores that are closer to you. Let's say you shop on eBay for an XBOX and two sellers offer the XBOX at a price you like. One seller is located in Florida, the other in Arizona. You live in California. Obviously, the shipping will be much less to ship the item to you from Arizona than from Florida. This works only for sellers who offer actual shipping costs to your zip code, however.

Read Return Policies

Before you make a purchase, be sure to read the return policy. Some online merchants have terrible return policies. Let's say you buy a computer monitor from a merchant who offered the best price, but it was a lesser known merchant. Once the UPS man brings it and you discover it doesn't work, you check out the return policy only to find out that you must pay to ship the item back, you must pay a 25% re-stocking fee and you won't receive your refund until another 30 days pass after that. It's not pleasant to find out the return policy is like this only after you find you need to return something! Always read the return policy before making your purchase!

Beware Fake Sites

It comes as no surprise that there are many completely fake stores out there that look perfectly professional and legitimate. One excellent way to tell if a store is fake, is if the prices are too good to be true. I once came upon a site that offered PSP's for $99 and XBOX 360's for $129. These are prices lower than anywhere else on the net. Why could this merchant offer these items at such low prices? The answer was that they don't! They take your money but you never get the product. I was suspicious of their pricing, it just seemed to good to be true, and it was. I also typed in the name of the website into Google and low and behold, it came up on a scam site list! If you're suspicious of the pricing, check Google. If you're still suspicious, don't buy! A legitimate company will also have a phone number and address posted on their site where you can contact them and make sure they are not a Russian phishing site.

Print Your Order

Be sure to print your order form and keep all your receipts in your email box. Don't delete or throw away anything. You will need the receipts for returns, rebates and even your taxes. Keep your receipts!

Using these tips, you should have a much better online shopping experience and a safer one too.

Lydia Quinn writes for The Best Bargains Online, a website that features articles, resources and listings for finding the best bargains online. Visit us at: http://www.thebestbargainsonline.com/

posted by phoenixrnlr  # 10:11 PM 0 comments

When it comes to shopping, more and more of us are letting our fingers (and our mice) do the walking.

Online sales are expected to hit $211 billion this year. That is a rise of 20 percent over last year and comes just three years after the industry hit the $100 billion milestone, according to the 2006 State of Retailing Online report from Shop.org and Forrester Research. Here are seven reasons it makes sense to shop online:

1. Lower prices. Online shopping can reduce overhead costs in a variety of ways, which can translate to lower prices for you. In fact, one 2004 study found online prices to be 6 to 16 percent lower than offline prices.

2. More savings with online coupons. Many times, shoppers can save even further with an online coupon or coupon code. According to a 2005 Bizrate/Shopzilla report, 71 percent of online shoppers said they were able to find better discount offers and sales online, as compared to shopping through a catalog or traditional retail merchant. Online retailers may issue a button or text link that will apply an automatic savings to your order, or they may issue a specific coupon code to be entered at checkout.

3. Research capabilities. The Internet allows you to easily compare products and prices, so you can be sure that the item you purchase is the exact item you want. Online merchants can publish much more information about their product on a website than they could affordably publish in a print catalog. And online stores give you the ability to share information and reviews with other shoppers who have firsthand experience with a product or retailer. As Internet connection speeds continue to increase for larger segments of the population, these types of interactive features will become even more important. Zappos.com, a leading shoe retailer, for example, allows you to view most shoes from as many as eight different angles, including a close up.

4. Increased selection. Warehousing logistics can be much simpler for an online retailer, and many of the online superstores have a staggering inventory to choose from. Plus, as a consumer, you can avoid the inconvenience of physically traveling among online stores to comparison shop. A simple online search can lead you to the right product at the right price, fast.

5. Convenience. An online store allows you to shop 24 hours a day, 7 days a week. So you can shop at your leisure, regardless of your time zone. This is particularly important for those of us who are limited in our ability to get to a brick and mortar store. The elderly, as well as parents of young children, for example, may have a more relaxed shopping experience in front of the computer screen.

6. Saves time. So much of the vast variety of products and product information is easily searchable. Plus, there is no traveling, parking, and walking involved.

7. Environmental Benefits. Recent studies are showing that shopping online leads to reduced fuel consumption and air pollution, because so much of our car travel is dedicated to shopping. Plus, shopping online reduces the need for print catalogs and excess packaging. And downloadable items purchased online eliminate the need for any kind of material goods at all.

Jamie Jefferson is a frequent contributor to Momscape.com. Visit today for the latest online Coupon Codes including Overstock Coupons

posted by phoenixrnlr  # 8:38 PM 0 comments