Shop Safely - How to Protect Yourself When Shopping Online

by: Clive Chansa
Online shopping offers many benefits that you won’t find shopping in a brick and mortar store or by mail. The Internet is always open seven days a week and 24 hours a day. Internet-only deals and bargains can be numerous online. Shopping on the Internet is no less safe than shopping in a store or by mail. Keep the following tips in mind to help ensure that your online shopping experience is a safe one.
1. While Online Order Only On A Secure Server.
Use a secure browser and shop only at websites that offer encryption protection. A protected website will have one or more of these three features:
a) The small lock or key symbol at the bottom of your browser window;
b) An address that starts with https ("s" for "secure") instead of just http; and
c) A security warning box that pops up at the point of purchase.
Your browser should comply with industry security standards, such as Secure Sockets Layer (SSL). These standards scramble the purchase information you send over the Internet, helping to secure your transaction.
2. Pay The Safest Way.
Use a credit card or Debit Card with a safe online shopping guarantee. Look for a card with specific guarantees, like 100% coverage for any losses due to fraud when shopping on the Internet. Many companies offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some cards may provide additional warranty, return and/or purchase protection benefits.
3. Protect Your Privacy.
Look for and read a website's privacy and security policy. Stay clear of a website that either doesn't have one or does not guarantee your personal information will not be sold. This policy should disclose what information is being collected on the Web site and how that information is being used.
4. Know Who You're Dealing With.
Research your merchant. Look at the ratings consumers give them and stay clear of websites that either aren't listed or receive poor marks. Shop with companies you know. Anyone can set up shop online under almost any name. If you’re not familiar with a merchant, ask for a paper catalogue or brochure to get a better idea of their merchandise and services. Also, determine the company’s refund and return policies before you place your order. These should be posted on the company’s Web site.
5. Keep A Record.
Print out a copy of your order and confirmation number for your records. Reputable merchants will usually send you an email confirming your order. However a hard copy is always good to have in case your order is lost, deleted or not delivered as promised.
6. Guard Your Online Password.
Keep your password(s) private. Be creative when you establish a password, and never share your website passwords with anyone. Write them down and store them in a safe place. Avoid using a telephone number, birth date or a portion of your Social Security number. Instead, use a combination of numbers, letters and symbols. Do not use the same username and password at every website. Should your personal information be compromised, a thief won't get very far if you use different passwords and usernames on different websites.
7. Track Your Purchases.
Use only one credit card to shop with online. This helps keep track of your online purchases during the holidays, and will make it easier to spot purchases that are fraudulent. Look for a card that allows you to review transactions online as well -- you'll be more likely to notice a problem early on.
8. Keep Personal Information Private.
Don't enter more information at a merchant website than is absolutely necessary. There is usually no reason why you should have to supply information such as birth dates or Social Security numbers when making a purchase. Fill in only the bare essentials necessary to make your purchase. If you have children, teach them to check with you before giving out personal – or family – information online.

Shopping Search Engines, The Benefits and Explanations

by: Ispas Marin
The Shopping Search Engines are a new breed on the Internet market, they are a research tool for both consumers and retailers. Using a shopping search engine the consumer can search at once more than one merchants, products and look at the prices in only one place. The shopping search engine is a software that puts together a number of online stores. They sell the products from thousands of merchants through their interface. To get their products listed in the shopping search engines the retailers usually pay a per click fee and startup fee. In some cases the shopping search engines rate the quality of the merchants and promote them if the their ratings are high.If you would want to buy something you no longer need to go to regular search engine, search through the results and find the product on the retailers website. The shopping search engine will show you directly the merchant checkout page saving you money.Here are some of the benefits, listed:Consumer Benefits: Minimal click online shopping Multiple merchants in one place Multiple products in one place Merchant ratings Product ratings Prices include shipping and tax, if you fill in zip code box on screen Smart Buy is highlighted for you at Shopping.com - shows best rated merchant with cheapest price Saves consumer time and money, avoid long shopping lines and traffic during Christmas shopping season. Retailer Benefits:Retailers have a new online marketing and sales channel for their products If retailers have a good site conversion rate, likely to have good shopping search conversion rate Instead of delivering the consumer to the merchant's door, like regular search engines do, the shopping search engines deliver the consumer directly to the product, giving information about whatever price the product may have and if it's in stock or sold out. The consumer also provides information about which merchant offers the best deal and if the merchant is highly rated.Some of the online shopping search engines are: Shopping.com, Bizrate.com or Shopzilla.com,http://www.getinstant.info, Google's Froogle, Yahoo Shopping, Nextag.com and Pricegrabber.com.