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Six tips for safe online shopping

Six tips for safe online shopping
Author Abby Stokes
By Abby Stokes
Author of "Is This Thing On?" A Computer Handbook for Late Bloomers, Technophobes, and the Kicking & Screaming"
Special to PRIME


Shopping online is one of the greatest benefits the Internet has to offer. No lines to stand in, no one trying to hard-sell you, and no need to leave your home to holiday shop.
However, there are some precautions to take when shopping online to ensure your experience is safe and secure.
Use the same instincts you use in your everyday life when you're on the Internet. If a particular web site seems a bit dodgy, leave it. If you're not comfortable giving your credit card information online, don't. There is no rule that mandates you must shop online merely because shopping online exists. Let your gut be the judge and caution be your guide, and all will be fine.

Tip #1: Get a shopping e-mail
When you shop online, be prepared that most shopping websites require you to give them an e-mail address. Your e-mail address is used to send a confirmation of your purchase and to update you on the shipping status.
Because this may lead to future solicitations, I have a second e-mail address one I use only for shopping. You may want to do the same. There are free web-based e-mail services, so you don't need to pay for your secondary e-mail address. Three to look into are www.yahoo.com, www.gmail.com, and www.hotmail.com.

Get password savvy
The website may also ask you to create a password you'll use when you revisit to access information about your order. Most passwords can be cracked in a matter of minutes. Let's see.your birth date or that of a someone in your immediate family, a family member's name, your anniversary, some configuration of your street address. Am I getting close?
There are some basic do's and don'ts when choosing a password. Choose a password that comes easily to you, but that is not public record.
Don't use the same password that you use for your bank account or ATM card. If someone were to crack the code on a password that you use for shopping online, they would then be able to access your bank account as well. Instead, have your bank PIN be an exclusive password for the bank and nothing else.
Most passwords need to be at least six characters long. It's a good idea to make your password a combination of letters and numbers that makes it harder to guess. Even better, because passwords are often case sensitive, throw in a couple of capital letters to up the ante.
The trick with any password choice, however, is you need to remember your password. Write down your password as soon as your choose it.


Tip #3: Check site security
Conscientious websites employ SSL (Secure Sockets Layer), which encrypts data, to ensure that your credit card information is safe. You'll know that a page is protected by SSL when "http" in the web address has an added "s" (https) for security. (You may not see the "s" until you're on the page that asks for your credit card information.) A closed padlock might also appear at the bottom of the browser window indicating that the page is locked or protected. An open padlock or a broken key indicates you are not on an encrypted page.

Tip #4: You can always bail out
If at any time during the ordering process you are uncomfortable or confused, most shopping sites allow you to complete your order over the phone.
Don't be hard on yourself. Make the call. If the site is difficult to navigate, it's poorly designed. You are not the ninny, the web designer is.
A recent study stated that by 2010 seniors buying on the Internet will generate $25 billion in revenues. If poorly designed websites were made easier to navigate, that sales figure would increase to $77 billion.

Tip #5: Get info on safe shopping
The American Bar Association offers an informative website, www.safeshopping.org. (Note: It is .org, not .com.) Pay a visit to their site.
If something bad happens that warrants you bringing in the big guns, contact the Better Business Bureau at www.bbbonline.org.
You could also fill out a complaint form with the Federal Trade Commission at . Type complaint in the internal search engine and take it from there.

Tip #6: comparison shop online
Before you pay top dollar for an item, take the time to shop around for the best price. The same item is often sold on several different websites.
There are search engines that specialize exclusively in shopping. Try one of these on for size: shopping.com, shopzilla.com, www.pricegrabber.com, or www.mysimon.com.
There are also websites with coupons for the taking. Here are a few to try: www.couponcabin.com, www.bargainshare.com, www.thecouponclippers.com, and www.learnthenetcoupons.com. Beware: Do not pay for coupons. That is not a coupon. That is a rip-off.
I hope you now feel equipped to shop till you drop and that you enjoy every minute of it.
Abby Stokes is the author of "Is This Thing On?" A Computer Handbook for Late Bloomers, Technophobes, and the Kicking & Screaming (Workman Publishing)