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Online Shopping May Not Be For Me…

August 24, 2012

I’m not much of a shopper. When it comes to clothes I usually ask the salesperson to give me what the mannequin in the window is wearing in my sizes. I’m in and out real quick..and hope to possibly look as good as the store mannequin. When it comes to electronics, I buy what my computer guy tells me and this is after he sends me the link. I did by online flowers once for my partner and when they were opened they looked moments away from dying… My kids like “checks” so shopping for them is easy. But with the various online traps that are in the cloud, one needs to be very careful. The bad guys are getting smarter, but us shoppers can stay a step ahead.

  • Select your own seller. If you’re looking for a particular item, don’t let a search engine pick a site for you – go to a price – comparison site, such as PriceGrabber.com or Dealio.com. That’s because hackers seed search results with fraudulent sites that phish for your personal information. Even if you are using a site that you think is legitimate, look for a security labels, such as Verigsin or Cybertrust.
  • Shop at home. Never make purchases online using a public Wi-Fi connection. Hackers can tap into Wi-Fi connections at hot spots, such as coffee shops, airports and hotels to capture your personal information.
  • Pay with plastic. And make sure you use a credit card. If a hacker steals your debit card information and uses it to make unauthorized purchases, you must report any misuse within two days of learning of the fraud to get the same $50 limited liability you would get with a credit card. Miss that deadline but report your loss within 60 days, your liability is limited to $500. After 60 days your liability is unlimited.
  • Transfer with care. Wiring money by Western Union to pay for a purchase is also a bad idea. You’re inviting fraud because you have no way to get your money back if the item you buy never arrives. And if you are making a large purchase, such as a car, and the seller tries to steer you to a particular escrow company to handle the transaction, be suspicious.
  • Read your card bill. If you do a lot of shopping online, review your credit card accounts regularly to make sure there aren’t any unauthorized purchases.
  • Beware of bogus bargains. If a website or individual offers a deal that’s off-the-charts cheap, demands a direct transfer of funds and won’t accept credit cards, it’s probably a scam.

My ex- mother-in-law still write checks on a regular basis. It was amusing to watch her pay for dinner while she writes out a check and figures in the tip… GAI (www.gunwel.com) is very aware of financial issues and our job is to help you with all matters financial. You work hard for your money, let us work smart to help you keep it. Give us a call at 615-730-9444 or visit our website at www.gunwel.com. We look forward to hearing about your shopping stories. See you soon!

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7 Comments leave one →
  1. August 24, 2012 9:44 pm

    Great post. I was checking constantly this blog and I’m impressed! Extremely useful info specifically the last part 🙂 I care for such information a lot. I was seeking this certain info for a long time. Thank you and good luck.

  2. August 24, 2012 10:16 pm

    You can definitely see your enthusiasm in the work you write. The world hopes for more passionate writers like you who are not afraid to say how they believe. Always go after your heart.

  3. August 25, 2012 8:39 am

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    from it regarding blogging. thanks.

  4. August 29, 2012 12:10 pm

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  5. April 25, 2013 8:34 am

    This post is awesome! Thanks to the author.

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  1. Online Shopping May Not Be For Me… « Gunwel Associates Inc. | Agents Taobao

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