Holiday Gift Shopping Tips by Jnet

Christmas day is approaching and it is a perfect time for us to plan our own Christmas gift list. We can now get our nice coffee or tea, gather whatever catalogs we have handy and paper and pencil, and start making our list.
Creating a list ahead of time can avoid last minute shopping stress. With your already-finish shopping list, you don't have to drive in heavy traffic and went to over-crowded stores. Try to finish your shopping task by the end of November so that you can greatly enjoy December events. Make your shopping trips enjoyable outings, and include some treat for yourself such as a nice lunch or good company. Take advantage of wrapping services or use gift bags to reduce your wrapping or the need of getting supplies.
Keep your list handy. It is fun to be an elf at Christmas time. Great stores offer wonderful gift suggestions and packaging. With a short list and a good department store, shopping center, or with online access, it is possible to shop and have your gifts wrapped in a day.
To make it simple and easy, your list doesn't have to be very long, rather limit your gift giving list to about a dozen. You might ask on how you can make it possible, so try this: extended families can be given one nice gift per household for their family to share. Giving one holiday present can give you the opportunity to give something special. Colleagues and other associates can be put together as one on the list also because you are able to think one good holiday present that can be given to each. Example, you might give each of them a journal, mug, gift basket, or a ticket.
You can also give handmade gifts, so long as you enjoy making them. One possibility is to hand make the same gift again and again for the people on your list this year, and next year to choose a different gift. This makes it easier and predictable. Another option is to make one large batch of something that can be divided into gifts. One great example of this is a homemade soap. Do-it-yourself gifts can be challenging, so to avoid stress give yourself enough working time for it. Just make sure you always have a Plan B - an alternate plan - for handmade gifts so that you can leave a project without having much trouble.
However, choosing the right Christmas gifts for family and friends can be challenging sometimes.
Husbands or boyfriends would find it difficult in choosing what to give to their ladies. The only trick is that, know your special woman well. Consider you woman's interest likes and dislikes. Or perhaps, think on of items or products women usually use. Consider choices of ladies accessories like bags for ladies, cosmetics, jewelry or jewelry boxes and other women's stuff. Many women, however, do have some difficulties in choosing what to give for their special men. There are actually lots of variety of mens gifts. Make sure to choose unique ones because men can be very picky sometimes. For instance, you may give engraved cufflinks, monogrammed flasks and beer mugs, or any other barwares. Or if they love the outdoor, why not give a personalized cooler bag or chair? The endless options are yours. Just keep wise and smart when shopping!

About the Author
Jnet is an author for a variety of lifestyle issues and topics. If you're looking for christmas gifts, visit the website Mybusinessgifts.com and browse their extensive collection. Get also christmas gifts for kidsonline!

Tips to Help You to Getting a Great Car Deal by hindustani

Generally speaking, what a car dealer is willing to sell a car for depends a great deal on the supply and demand of that particular vehicle.
If there is a high demand for a certain car, or if the supply of that vehicle is low you can expect the dealer to hold the line on price. He's not going to give you much of a discount. In some cases, when very popular new models come out and the supply is initially low, some car dealers will not sell the vehicle unless you are willing to pay above sticker price! .And guess what? There are always people willing to pay above sticker to get these new models!
On the other hand, if the demand for a particular vehicle is low, or there is a large supply of a model you should be able to get the dealer to give you a big discount. He'll be anxious to sell down his inventory of that particular model.
You should check with a few different car dealers and get a feel for what they are willing to do. Don't rush into anything. Go in with the attitude that you are expecting a big discount. Compare, and see what you can get out of them.
Do as much research on the internet as you can. Visit the car price quotes sites I have listed at: New Car Price Quotes. In addition to getting price quotes you can research all the different makes and models. Once you decide what you want to buy you'll have to visit a car dealer to see and drive the type of car you're interested in.
When negotiating for a vehicle only negotiate the selling price of the car. Don't let the sales person talk you into negotiating a monthly payment or a trade-in allowance.Keep those items separate from the price negotiation. If you mix them together you will not get your best deal, because you will not know for sure what you are actually paying for the vehicle.
Regardless of whether you are buying a high line car or a cheap one it's up to you to not let the sales person get the upper hand and take control of the situation. Don't be pushed into anything. Let them know you are going to shop at other car dealers before you make your decision. Keep them honest and you'll get the best deal possible.
Remember, when you're shopping for a car you are in control of the whole process. The car dealer can't make you do anything you don't want to do. All you have to do if you are being pressured too much is to get up and leave.
About the Author
http://www.buy-a-car-with-no-credit.com/ http://www.auction-words.com/

6 Tips to Maximize Potential Profit in the Affiliate Marketing Industry by Shailesh Kumar Singh

For those looking to enter the world of affiliate marketing, there are some key concepts that can help you succeed. These 6 tips will help you maximize potential profit in the affiliate marketing industry.
1. Focus on a specific area of interest. It can be tempting to sign up for a variety of programs on different topics, or areas of interest, to appeal to a large audience. You need to understand, there are already hundreds of thousands of online shopping malls, which is essentially what you'll have. It will be almost impossible for you to compete with well established sites offering a variety of products. You need to focus on a particular topic, or niche.
2. Find the best affiliate programs for your niche. This seems to be a "no brainer", but there are some things you need consider when choosing the most profitable affiliate program. Does the merchant offer products that people will buy? Is the commission you will be paid high enough to pay for some advertising and still be profitable? Usually, products that are difficult to sell, or are higher priced, offer a higher commission..And products that are easy to sell, and have a lower price, offer lower percentage cuts. Try to find the best commission rate for products that are priced at mid range, and products that will be easy to sell.
3. Build a content-filled web site focused on your niche. The primary focus of your web site is to sell the affiliate products you have chosen. But, if your site does not attract visitors, sales conversion will be virtually impossible. Create a site that focuses on the area of interest you have chosen, and populate it with rich, informative content that people would love to read. Good content will establish you as an expert in the niche. Plus, search engines love content which will give you a better position in the search engine listings.
4. Market your web site. You have to let the online community know about your site. Just because you now have a web site, doesn't mean people will come. Submit online press releases related to your niche; submit your site to search engines. Exchange links with well-visited sites related to your niche, promote your site in online communities, and start a blog (web log). You have to spread the word that your site exists, and that it contains information that will fill the need of your target audience.
5. Market your affiliate products. After you have a consistent number of visitors, it's time to promote the affiliate products you're selling. This is usually done with a sales page that is part of your web site. A sales page is basically an article listing the benefits of your product, and what it will do for your niche audience. Benefits can be "it can improve the quality of your life", or "learn the secrets the experts don't want you to know". These sales page benefits may seem exaggerated, but they work.
6. Build an email list. How many web sites have you visited? Have you visited a site, found something of interest, gotten interrupted, left the site and never returned? Of course you have. Don't let this happen to your visitors. Ask your visitors for a first name and an email address when they visit your site. Offer them something in return for that information. If they have some interest in your offering, but leave the site for whatever reason, you can email them later, reminding them to come back to your site.
http://www.myspace-marketing-secret.com/
http://www.clickmagnet-secrets.com/

Six Ways to Save Money This Thanksgiving by Jamie Jefferson

If you're preparing the Thanksgiving meal for friends or family you'll be happy to know that there are things you can do to save money. By following these tips, you can have a wonderful holiday meal without spending a lot.
1. Look for a free turkey. Many grocery stores offer a free turkey with a certain amount of groceries purchased. You can also find rebates on turkeys from specific brands. Local agencies and the United Way also have free turkey programs available. Ask around and you'll be surprised with what kind of deals you can find.
2. Suggest a potluck dinner. If you provide the turkey for the meal and everyone brings a side dish, it definitely lowers your costs. The practice is becoming more and more common, especially with families. Assign each person a portion of the meal. Not only will you save money, but everyone at the party will feel involved in the meal.
3. Have your guests RSVP. Although leftovers are a hallmark of every Thanksgiving dinner, you don't want to spend too much at the grocery store buying for guests who won't be there. Confirm your guests a few weeks ahead of time so you know exactly how much food you need to prepare.
4. Shop smart. Start shopping for canned foods, such as yams and vegetables, early. You can make a lot of different side dishes from inexpensive canned foods. They often go on sale in the weeks prior to Thanksgiving. Stock up so you can make Thanksgiving dinner as well as a few other inexpensive meals in the holiday season. You can also shop smart by clipping coupons for your holiday shopping. A lot of stores offer double or triple coupons on specific days. Call the grocery stores in your area to see where you can get the best deal. With coupons, you can significantly cut the costs of your holiday meal. Printable grocery coupons are becoming more prevalent online as well, and that can save you time with locating and clipping coupons because you only print the coupons you plan to use.
5. Keep your meal simple. If you're trying to host a frugal holiday dinner, this isn't the year to try truffle whipped potatoes or gold leaf chocolate cake. Even if you're not planning anything so extravagant, make sure to use familiar ingredients and cook from scratch as much as you can. A store bought pumpkin pie can cost three times as much as one made at home. Cook what you can and use the expensive substitutes only if you are crunched for time.
6. Decorate on the cheap. If you need some decorations to make your table more festive, don't step foot inside a department store! Head to your local Dollar Tree or other similar discount store and you'll be impressed with what you'll find. You can pick up inexpensive toys to entertain the kids, holiday dish towels and even serving plates. Take a look at the selection of nuts and party mix there as well to round out your holiday meal.

About the Author
Jamie Jefferson writes for Momscape.com and Susies-Coupons.com, where you'll find printable grocery coupons, as well as wine discounts.

Seven Tips In Shopping For Ride-on Kids' Toys by Rachel Nunez

It is only natural for preschoolers to want their own set of wheels as they embrace their growing sense of mobility. It could also be that they just want to imitate their parents, that is why kids would like to have their own tricycles, scooters, and other foot-powered ride-on toys.
Here are tips to remember when shopping for ride-on toys for preschoolers and even for older children:
1. Test drive
It is best to take the child to the store for test drives. The child must, of course, like the ride-on kids' toy you are buying and be comfortable on it. The final buying decision, however, is not necessarily the child's preference so be prepared not to succumb to much pleading and make the wisest choice in terms of safety and budget. Tricycles and pedaled ride-on toys range from $20 to $200.
2. Buy the right size
Select a bike or trike that is the right size for the kid if the unit is not adjustable. The child must be able to reach the pedals easily while sitting squarely on the seat and his or her knees should not hit the handlebars or steering wheel when pedaling. It is not safe to choose a unit that you hope your child can "grow into." Instead, choose one with an adjustable seat or frame so you can fine-tune it as the child grows.
3. Look for a sturdy unit
Sturdy ride-on kids' toys are those with a wide wheelbase and low center of gravity. Make sure that the ride-on toy does not tip over when the steering wheel is turned sharply. At the same time, make sure that the child is ready for a toy he will have to steer. Remember, most kids do not have the coordination to skillfully maneuver a tricycle until they reach three years old.
4. Check for sharp edges
Carefully check the unit of choice for sharp points or edges and other potential hazards.
5. Check if it can be easily stored
If you will be bringing the ride-on toy to the playground or other areas outside your home, consider buying a unit that can be folded for easier storage during travel.
6. Be aware of the store's return policy
Be mindful of the store's return policy and keep your receipt so you can still return the ride-on kids' toy if it does not meet your expectation.
7. Mail registration card
The registration card that comes with the ride-on kids' toy should be mailed so you can easily be notified in case of a product recall. Keep instruction manuals in an accessible location.
Now that you've bought some wheels for your kids, the next items to buy are protective gadgets like a helmet and knee pads. Children on scooters or bikes should also wear knee and elbow pads. Add a tall flag at the back of tricycles so motorists can easily spot the child.
There are many things to consider when buying a ride-on toy for your child, foremost of which should be child safety so choose wisely.

About the Author
For more tips and information about kids learning toys, check out http://www.thekidstoystore.com/science-kits.html.

Choosing a Web Hosting Service for your Business Web Site

Is your business Web site down again? Does it seem to have more downtime than uptime? You may want to consider changing your Web hosting service. One of the most important decisions you will make for your business Web site is selecting which Web hosting service will display your Web pages to the Internet. Choosing the right Internet Service Provider (ISP) to host your business's Web site may feel like finding the right day-care center for your kids these days: Are they reliable? Will they be there next month? Do they know what they are doing? What services do they provide?

Finding a provider to host and maintain your Web presence can be a walk in the park, if you gather the right information. Or, it can be a disaster waiting to happen. The Better Business Bureau suggests you consider the following when shopping for a Web host:

• Know what type of service you need and only pay for that service. Large companies and high volume Web sites can expect to pay higher rates for the services they need.
  
• Shop around. Going with a big-name company may not be the best option for a small business. With larger companies you may find yourself competing for attention when it comes to getting service and performance issues addressed.
  
• Ask questions. Find out how much space the hosting company will allow you on their server for mail, log files, system programs and graphics. How many email addresses are you allowed? Inquire about the availability of mailing list management programs, such as Majordomo for newsletters and autoresponders for automatic responses to e-mail messages sent to certain addresses. Also, ask if they provide some sort of statistical data on visitors to your web pages.
  
• Read your service contract carefully. If there were verbal negotiations between you and the web hosting company, be sure they are included in the contract. For instance, if the web hosting company says it will respond to complaints or glitches with your account within 12 hours, rather than their usual 24 hours, be sure that promise is included in your contract.
  
• Make certain that the data on your web site remains secure and within your control. If you want "state of the art" security, add those words to your contract. That way you know your web hosting company has agreed to provide it.
  
• Check the Web hosting company out with the Better Business Bureau before doing business.

Grocery Shopping Tips

Adopted from http://www.thefrugalshopper.com/tips/grshopping.shtml


BEFORE SHOPPING

1. Check your pantry to see what you already have. Don't spend money on things you don't need. Plan your spending to avoid impulse buys. Grow it or Make it yourself and save!
2. Make a price book, and frequently refer to it. For more information about price books, click here.
3. Prepare your menu for the week around what you already have, and what's on sale.
4. If your area has food co-ops, Join up! A food co-op can reduce your weekly food bill by as much as 50%.
5. Shop for items BEFORE you run out of them. If you run out of an item you'll have to pay whatever the store is charging that week.
6. Due to volume discounts, larger stores are generally cheaper than smaller ones. Avoid trips to the "corner store".
7. Make a grocery list during the week. Take it with you when you shop. Stick to it.
8. If you go to the supermarket early in the morning (before 9am) you have a better chance of getting mark down items. Local stores in my area mark down fresh veggies and fruits, frozen items, milks, and meats.
9. Shop alone - this will save lots of money and frustration.
10. You have heard this before, but it is so true ... don't shop for groceries on an empty stomach.
11. Clean out your refrigerator, it will be much easier to put away groceries.
    Due to volume discounts, larger stores are generally cheaper than smaller ones.
    More often than not, the best sales are on the front and back of your supermarket flyer.
    

WHILE SHOPPING

1. Stick to what's on your shopping list. Ask staff to help you rather than wasting time looking for items or better deals. Meat is a good source of protein but it's expensive. Cheese, poultry, eggs, peanut butter, dried peas, beans, lentils, and some fish are less expensive and excellent sources of protein.
2. Buy whole chickens. If you want only breasts, save the dark quarters, freezing for later use. Buying breasts alone is very expensive.
3. Buy locally grown foods; they are fresher, more nutritious and ecologically smart.
4. Shop the sales! Take advantage of each store's loss leaders. Most bargains are found on the higher and lower shelves. Most expensive brands are at eye level (to get your attention). Watch for unadvertised specials.
5. Shop for items that you use regularly at all times. If you run out, you will have to pay whatever the supermarket may be charging when you need it. Stockpile, Stockpile, Stockpile! If a product you use is on sale, buy as much as you can afford and store to last you until the next sale. This is a BIG money saver!
6. Wait if you can until the item is on sale. If you know your products and stores, you can have enough to last until the item is discounted again. Use your freezer to stock up when there is a sale on frozen or dairy items, such as cheese, butter and milk. Buy in bulk when the unit price is less. Larger sizes do not always mean lower prices. Just because an item has the word "SALE" on it, doesn't mean you are getting it for a lower than normal price. Know your prices. This is one way that a price book can help you.
7. Use store specific savings cards. Don't be afraid to try generic or store brands. Most stores will refund your money if you are not satisfied.
8. Pretty packaging costs you money. You are not only paying for the product, but for the packaging (and advertising) as well.
9. Buy and use in season veggies and fruit. Always check the expiration date on dairy products.
10. Avoid anything disposable. Convenience foods are more expensive, you are trading money for time. Slice, season, mix, and cook it yourself.
11. Always check the day old bread basket, and the reduced merchandise cart. Always ask for a raincheck if an advertised special is out of stock. While you are waiting for the product to come back in, look for more coupons for that product.

AFTER SHOPPING

1. Always return a product that is spoiled.
2. Send off for rebates to get items free, or nearly free!
3. Learn the sales cycles of your favorite stores, and know when to expect certain items to go on sale.
4. Shop at bakery outlets. Breads and rolls freeze very well.
5. Remember that no particular store has the lowest price on all items. Create a "shopping pool". Agree with family and friends to shop sales for each other.
   

How to shop online safely?

One: Get the scoop on the seller.
Check complaint records at your state or local consumer protection agency and Better Business Bureau. Get the physical address and phone number to contact the seller offline. Lock for sellers belonging to programs that encourage good business practices and help resolve complaints.

Two: Use a credit card.
It's the safest way to pay because you have the legal right to dispute charges for goods or services that were never ordered, never recieved, or misrepresented.

Three: Ask your credit card issuer about 'substitute' or 'single-use' credit card number.
This new technology allows you to use your credit card without putting your real account number online, protecting it from abuse by "hackers" or dishonest employees ot the seller. (For more information about this technology, contact Orbiscom (www.orbiscom.com).

Four: Look for clues about security.
When you provide payment information, the "http" at the beginning of the address bar should charge to "https" or "shttp". Your browser may show whether the information is being encrypted, or scrambled, as it is being sent. See what Web sites say about how they safeguard your information in transaction and storage. Don't provide sensitive information by email.

Five: Know the real deal.
Get al the details before you buy: a complete description of the items; the total price, including shipping; the delivery time; warranty information; the return policy; and what to do if you have problems.

Six: Keep proof handy.
Print and file information in case you need proof later.

Original resource http://www.nclnet.org/shoppingonline/shoppingtips.htm

How To Save Money on Shopping?

The following tips will guide you how to save money on shopping. By this tips you can save up to $300 a month of your grocery bills.

Make a Shopping List
Planning before you head off to the supermarket will help you shop more economically. Take the time to do a quick inventory of your kitchen to determine the food that you need. Prepare your shopping list and make notations of applicable coupons that you may want to use. Read the newspapers and circulars to find the best deals.

Choose the Right Store
For basic grocery needs many grocery stores now offer excellent product and price selection, frequent shoppers programs and double coupon days. However, when buying in bulk you may want to tackle the warehouse clubs or superstores. Non-perishable items are often at unbeatable prices at such stores. For the best prices on health and beauty products check the national drugstore chains and superstores.

Eat First
Grocery stores know the power of the sweet smell of freshly baked bread. Just one sniff will ignite the appetite and send even the most hardened shopper down the aisle grabbing for anything that looks good. Remember, everything looks good when our stomachs are screaming, "feed me!"

Get Coupons, Rebates, and Frequent Shopper Programs
You can save hundreds of dollars a year by taking advantage of product incentives. Even the
less enthusiastic coupon clipper can shave an average of 10 percent off their bottom-line by cashing in a small handful of coupons per trip.

If your store offers a frequent shopper program, why not sign-up? You will receive advanced notice of special loss leaders, double-coupon days and other money saving information.

Try Store Brands
The days of generic type packaging and bland tasting food in store brand products is over. Companies have worked hard to improve their private-label brands and often the taste is equal
to the national brands. Do not be afraid to experiment. If you find the product meets your standards, you can save an average of 40 percent off your annual grocery bill.

Set Limits on Impulse Buying
Avoiding spontaneous shopping trips is one of the best deterrents to impulse buying. Sticking to a well thought-out shopping list will help will help cut down on grabbing for things that you do not need. In addition, giving yourself enough time to shop will help prevent dashing in and reaching for the first item that you come to. Setting a dollar limit for impulse buying will help soothe cravings without busting the budget.

Compare the Prices
To determine the true value of a product read the unit price, not just the package price. The unit price information is usually on a sticker located on the shelf that holds the item. The package price only tells you the cost of the entire item. The unit price shows the cost per pound, ounce, etc. Taking a moment to compare this information in similar products will help you get the best value for your dollar. Also, be certain to check "expiration" and "use by" dates to insure you are buying the freshest products.

Beware of Marketing Strategies
Avoid marketing ploys designed to draw your attention to a particular product. Knowing some of the tricks of the trade will ultimately save you money. Beware of end-of-the-aisle dump bins,
island displays, recipe related item placement and middle-shelf items. This is typically where higher priced and impulse products are placed.

Learn to Be a Label Reader
Reading the product label is the best way to find out more than what is advertised on the box. Ingredients are listed in order by the quantity actually used when making the product. The ingredients used in the highest quantity are listed first. For example, if you are looking for avocado dip you will want to see avocadoes listed in the first part of the ingredient list, not the last part.

If you are looking to cut fat from your diet, be careful of words such as "lite" or "fat-free" which can have broad definitions. By reading the label you can get a better idea of what the fat-to-calorie ratio is as well as other valuable nutritional information.

Watch the Scanner
It may mean you need to put down the magazine, because this is no place to get lax. Keeping your eyes peeled to the scanner has dual advantages. First, it will keep the cashier more alert. Secondly, it will allow you to stop the checkout process if an item is showing the incorrect
price. Keeping the store circular nearby is also helpful in disputing an incorrect price. You can also ask the cashier to stop ringing while you accompany the employee to the aisle to check the price of an item.

Online Shopping Tips: E-Commerce and You

1. Introduction

With just a click of the mouse, shoppers can buy nearly any product online -- from groceries to cars, from insurance policies to home loans. The world of electronic commerce, also known as e-commerce, enables consumers to shop at thousands of online stores and pay for their purchases without leaving the comfort of home. For many, the Internet has taken the place of Saturday afternoon window shopping at the mall. Consumers expect merchants to not only make their products available on the Web, but to make payments a simple and secure process. However, the same things can go wrong shopping in cyberspace as in the real world. Sometimes it is simply a case of a computer glitch or poor customer service. Other times, shoppers are cheated by clever scam artists.

An April 2004 survey by AC Nielsen found that the top security concerns of America’s online shoppers were:

• Not receiving the items purchased, or receiving items different from what was described.
• Email addresses being sold to third parties.
• Fears about personal or financial information being stolen.
• E-mail scans known as "phishing" or "spoofing" in which consumers receive messages from dishonest sources disguised as messages from trusted retailers or financial institutions. https://www.paypal.com/en_US/pdf/PayPal_Safety.pdf
• 
  More recent surveys have found that the number of people who shop online around the globe is increasing dramatically. (Trends in Online Shopping: A Global Nielsen Consumer Report (Feb. 2008), www2.acnielsen.com/reports/documents/GlobalOnlineShoppingReportFeb08.pdf
  
  Just as shoppers should take measures to protect themselves in brick-and-mortar stores — such as protecting their PIN numbers when checking out and not leaving purses unattended — online shoppers also need to take sensible precautions. This guide offers advice on how to make your online shopping experiences enjoyable and safe.
2. Shop at Secure Web Sites



How can you tell if a Web site is secure? It uses encryption technology to transfer information from your computer to the online merchant's computer. Encryption scrambles the information you send, such as your credit card number, in order to prevent computer hackers from obtaining it en route. The only people who can unscramble the code are those with legitimate access privileges. You can tell when you are dealing with a secure Web site in several ways.

• First, if you look at the top of your screen where the Web site address is displayed, you should see https://. The "s" that is displayed after "http" indicates that Web site is secure. Often, you do not see the "s" until you actually move to the order page on the Web site.

• Another way to determine if a Web site is secure is to look for a closed padlock displayed at the bottom of your screen. If that lock is open, you should assume it is not a secure site.

• The third symbol that indicates you are on a secure site is an unbroken key.

Of course, transmitting your data over secure channels is of little value to you if the merchant stores the data unscrambled. You should try to find out if the merchant stores the data in encrypted form. If a hacker is able to intrude, it cannot obtain your credit data and other personal information. Be sure to read the merchant's privacy and security policies to learn how it safeguards your personal data on its computers. (See tip 4 below.)

3. Research the Web Site Before You Order

Do business with companies you already know. If the company is unfamiliar, do your homework before buying their products. If you decide to buy something from an unknown company, start out with an inexpensive order to learn if the company is trustworthy.

Reliable companies should advertise their physical business address and at least one phone number, either customer service or an order line. Call the phone number and ask questions to determine if the business is legitimate. Even if you call after hours, many companies have a "live" answering service, especially if they don't want to miss orders. Ask how the merchant handles returned merchandise and complaints. Find out if it offers full refunds or only store credits.

You can also research a company in Internet yellow pages, through the Better Business Bureau (see listing below), or a government consumer protection agency like the district attorney's office or the Attorney General. Perhaps friends or family members who live in the city listed can verify the validity of the company. Remember, anyone can create a Web site.

4. Read the Web Site's Privacy and Security Policies



Every reputable e-commerce Web site offers information about how it processes your order. It is usually listed in the section entitled “Privacy Policy.” You can find out if the merchant intends to share your information with a third party or affiliate company. Do they require these companies to refrain from marketing to their customers? If not, you can expect to receive “spam” (unsolicited e-mail) and even mail or phone solicitations from these companies.

You can also learn what type of information is gathered by the Web site, and how it is — or is not — shared with others. The online merchant’s data security practices are also often explained in the Privacy Policy, or perhaps a separate Security Policy.

Look for online merchants who are members of a seal-of-approval program that sets voluntary guidelines for privacy-related practices, such as TRUSTe (http://www.truste.org/), Verisign (http://www.verisign.com/), or BBBonline (http://www.bbbonline.org/).

However, be aware that a strong privacy policy and membership in a Web-seal program don’t guarantee that the Web merchant will protect your privacy for all time. Policies can change. The company can file for bankruptcy and sell its customer data base. The Web merchant might be purchased by another company with a weaker privacy policy. And the company’s data can be subpoenaed for law enforcement investigations or civil cases. You have little control over the use of your customer data in such matters.

Given all of these uncertainties, you will want to think about the sensitivity of the data that is being compiled about you when you shop online. We cannot prescribe the best approach to take. Each consumer has a different interpretation of what is considered “sensitive.”

5. Be Aware of Cookies and Behavioral Marketing



Online merchants as well as other sites watch our shopping and surfing habits by using "cookies," an online tracking system that attaches pieces of code to our Internet browsers to track which sites we visit as we search the Web.

"Persistent" cookies remain stored on your computer while "per-session" cookies expire when you turn the browser off. Online merchants use cookies to recognize you and speed up the shopping process the next time you visit. You may be able to set your browser to disable or refuse cookies but the tradeoff may limit the functions you can perform online, and possibly prevent you from ordering online.

Privacy advocates worry that as more and more data is compiled about us — without our knowledge or active consent — it will be combined to reveal a detailed profile, even our actual identities. This data is often collected to market goods and services to us, encouraging us to buy them. There are a number of companies that specialize in targeted online advertising called "behavioral marketing." Companies say consumers benefit by being exposed to more targeted advertising and that online merchants can make more money more efficiently by targeting the right shoppers.

For example, you might buy a book on golf from Amazon, visit the Professional Golfer's Association site, purchase golf shoes at Zappos, and search online for golf courses near your home. When you do, your computer's Internet Protocol (IP) number could be used to generate golf-related ads. When you open the USA Today site to read the morning news, you may see an ad offering you a new set of clubs at a discount. When you go back to Amazon later that day you might be offered a biography of Tiger Woods.

What if your behavioral marketing profile is shared with others, without your permission? You might not care if a drug company shares your prescription drug information with a coupon service to save you money. But what if that same information were obtained by your employer, resulting in more expensive health insurance coverage?

Consumer groups have asked the Federal Trade Commission (FTC) to require companies to get consumers' permission (opt-in) before collecting or sharing any personal information about them, such as their computer's IP number. Many of these groups also recommend creating a "Do Not Track" list for those who do not wish to be followed online, patterned after the widely used Do Not Call list. www.worldprivacyforum.org/pdf/ConsumerProtections_FTC_ConsensusDoc_Final_s.pdf

6. What's Safest: Credit Cards, Debit Cards, Cash, or Checks?



The safest way to shop on the Internet is with a credit card. In the event something goes wrong, you are protected under the federal Fair Credit Billing Act. You have the right to dispute charges on your credit card, and you can withhold payments during a creditor investigation. When it has been determined that your credit was used without authorization, you are only responsible for the first $50 in charges. You are rarely asked to pay this charge.

We recommend that you obtain one credit card that you use only for online payments to make it easier to detect wrongful credit charges. For more information on credit card consumer protections, see http://www.privacyrights.org/fs/fs32-paperplastic.htm#3

E-commerce shopping by check leaves you vulnerable to bank fraud. And sending a cashier's check or money order doesn't give you any protection if you have problems with the purchase.

Make sure your credit card is a true credit card and not a debit card, a check card, or an ATM card. As with checks, a debit card exposes your bank account to thieves. Your checking account could be wiped out in minutes. Further, debit and ATM cards are not protected by federal law to the extent that credit cards are.

7. Never Give Out Your Social Security Number



Providing your Social Security number is not a requirement for placing an order at an e-commerce Web site. There is no need for the merchant to ask for it. Giving out your Social Security number could lead to having your identity stolen. (See PRC Fact Sheet 17a, "Identity Theft: What to Do if It Happens to You," www.privacyrights.org/fs/fs17a.htm.)

8. Disclose Only the Bare Facts When You Order



When placing an order, there is certain information that you must provide to the web merchant such as your name and address. Often, a merchant will try to obtain more information about you. They may ask questions about your leisure lifestyle or annual income. This information is used to target you for marketing purposes. It can lead to "spam" or even direct mail and telephone solicitations.

Don't answer any question you feel is not required to process your order. Often, the web site will mark which questions need to be answered with an asterisk (*). Should a company require information you are not comfortable sharing, leave >the site and find a different company for the product you seek.

9. Keep Your Password Private



Most reputable e-commerce web sites require the shopper to log-in before placing or viewing an order. The shopper is usually required to provide a username and a password.

Never reveal your password to anyone. When selecting a password, do not use commonly known information, such as your birthdate, mother's maiden name, or numbers from your driver's license or Social Security number. Do not reuse the same password for other sites. The best password has at least eight characters and includes numbers and letters.

10. Check the Web Site Address



Above the web site at the top of your screen is a rectangular window that contains the web site address (also called the URL, or Uniform Resource Locator). By checking that address, you can make sure that you are dealing with the correct company.

Don’t click on any link embedded within a potentially suspicious email. Instead, start a new Internet session by typing in the link’s URL into the address bar and pressing “Enter” to be sure you are directed to a legitimate Web site.

11. Don't Fall for "Phishing" Messages



Identity thieves send massive numbers of e-mails to Internet users that ask them to update the account information for their banks, credit cards, online payment service, or popular shopping sites. The e-mail may state that your account information has expired, been compromised or lost and that you need to immediately resend it to the company.

Some e-mails sent as part of such “phishing” expeditions often contain links to official-looking Web pages. Other times the e-mails ask the consumer to download and submit an electronic form. The National Research Center of Consumer Reports magazine, found that 8 percent of respondents provided personal information after receiving phony e-mail messages. www.consumerreports.org/cro/money/news/september-2006/dont-bite-at-phishers-e-mail-bait-9-06/overview/0609_dont-bite-at-phishers-email-bait_ov.htm

Remember, legitimate businesses don’t ask for sensitive information via email. Don’t respond to any request for financial information that comes to you in an email. Again, don’t click on any link embedded within a suspicious email, and always call the retailer or financial institution to verify your account status before divulging any information.

For more information on phishing, visit http://www.antiphishing.org/, and http://www.onguardonline.gov/.

12. Always Print Copies of Your Orders



After placing an order online, you should receive a confirmation page that reviews your entire order. It should include the costs of the order, your customer information, product information, and the confirmation number.

We recommend you print out at least one copy of the Web page(s) describing the item you ordered as well as the page showing company name, postal address, phone number, and legal terms, including return policy. Keep it for your own records for at least the period covered by the return/warranty policy.

Often you will also receive a confirmation message that is e-mailed to you by the merchant. Be sure to save and/or print this message as well as any other e-mail correspondence with the company.

13. Shop with Companies Located in the United States



When you shop within the U.S., you are protected by state and federal consumer laws. You might not get the same protection if you place an order with a company located in another country.

14. Pay Attention to Shipping Facts



Under the law, a company must ship your order within the time stated in its ad. If no time frame is stated, the merchant must ship the product in 30 days or give you an "Option Notice." This gives you an opportunity to cancel the order and receive a prompt refund, or agree to the delay.

Here are key shipping questions to ask:

• Does the site tell you if there are geographic or other restrictions for delivery?

• Are there choices for shipping?

• Who pays the shipping cost?

• What does the site say about shipping insurance?

• What are the shipping and handling fees, and are they reasonable?
  

15. Learn the Merchant's Cancellation, Return and Complaint-Handling Policies



Even under the best of circumstances, shoppers sometimes need to return merchandise. Check the Web site for cancellation and return policies.

• Who pays for shipping?

• Is there a time limit or other restrictions to the return or cancellation?

• Is there a restocking charge if you need to cancel or return the order?

• Do you get a store credit, or will the company fully refund your charges to your credit card? If the merchant only offers store credits, find out the time restriction for using this credit.

Don't expect less customer service just because a company operates over the Internet. This is especially important if you are buying something that may need to be cleaned or serviced on occasion.

• Does the merchant post a phone number and/or e-mail address for complaints?

• How long has the company been in business?

• Will they still be around when you need them?

• Is there an easy, local way for you to get repairs or service?

• Is there a warranty on the product, and who honors that guarantee?

• What are the limits, and under what circumstances can you exercise your warranty rights?
  

16. Use Shopper's Intuition

Look at the site with a critical eye. And heed the old adage, "If it looks too good to be true, it probably is."

• Are there extraordinary claims that you question?

• Do the company's prices seem unusually low?

• Does it look like the merchant is an amateur?

• Are there a lot of spelling or grammar errors?

• Does the company's phone go unanswered.

• The use of a post office box might not send up a red flag, but a merchant who does not also provide the company's physical address might be cause for concern.

If any of these questions trigger a warning bell in your head, you will be wise to find another online merchant.

17. Be Wary of Identity Theft



As e-commerce becomes more common, there will be more cases of identity theft committed over the Internet. Imposters are likely to obtain their victims' identifying information using low-tech means like dumpster diving, mail theft, or workplace access to SSNs. But they are increasingly using the Web to apply for new credit cards and to purchase goods and services in their victims' names.

The same advice for avoiding low-tech identity theft applies to shopping on the Internet. Many are mentioned in the above tips. Most important: Be aware of who you are buying from. And use true credit cards for purchases, not debit cards.

We recommend that you check your credit card bills carefully for several months after purchasing on the Internet. Look for purchases you did not make. If you find some, immediately contact the credit card company and file a dispute claim.

Order your credit reports at least once a year and check for accounts that have been opened without your permission. (See PRC Fact Sheet 17a , "Identity Theft: What to Do if It Happens to You," www.privacyrights.org/fs/fs17a.htm.)

18. Consider Using Single-use Card Numbers



Consumers using some brands of credit cards can get “virtual credit cards,” or single-use card numbers, that can be used at an online store. The randomly generated substitute 16-digit number can also be used to buy goods and services over the phone and through the mail but can’t be used for in-store purchases that require a traditional plastic card.

With this free service, you never need to give out your real credit card number online. Among the card companies offering it are Citibank and the Discover card.

19. Be Cautious with Electronic Signatures



A federal law enables shoppers to verify online purchases with merchants using an electronic signature. Usually, this process is nothing more than clicking on a box that says you accept the terms of the order.

The Electronic Signatures in Global and National Commerce Act, also known as the E-Sign Act, is a complex law. It states that electronic signatures and electronic records used in interstate and foreign commerce will not be denied validity just because they are in electronic form. Further, the law says that online purchases do not need to be accompanied by the more traditional handwritten signature on a paper document.

Consumer advocates opposed the law because it lacks important safeguard against fraud. For example, the law does not require online merchants to comply with such standards as message integrity (security and accuracy in transmission), privacy of customer data, and authentication of sender.

The faults of the E-Sign Act require you to shop cautiously on the Internet. The tips offered in this guide will help you make sure the online companies you choose are secure and honest.

20. Know How Online Auctions Operate



Online auctions connect buyers and sellers, allowing them to communicate in a bidding process over items for sale. Many people are drawn to online auction sites because they allow you to buy items at discounted prices. And they offer a chance to sell some of your unneeded or unwanted possessions to raise extra money. For the most part, online auction sites are a safe way to exchange goods. But it makes sense to be cautious and aware.

The first step in safely using an online auction site is to read the terms of use, which will outline key issues such as whether or not the seller or the site is responsible for any problems that arise. Learn a site's return policy, as it may be difficult to return merchandise bought at auction. It's critical to check the policy, because you may be required to follow the seller's refund policy, rather than that of the auction site.

Once a consumer has agreed to a price with a seller, the buyer and seller arrange for payment and delivery of the product. Successful bidders can usually choose among several payment options, such as credit card, online payment service, debit card, personal check, cashier's check, money order, or escrow service.

If a seller requests payment in cash by private courier, or by check or money order through an overnight delivery service, you have a right to be suspicious. This could signal an attempt to commit fraud by taking your money without delivering the merchandise.

It always makes sense to pay by credit card because you'll have an option to seek a credit from the credit card issuer (also known as a "charge back") if the product isn't delivered or isn't what you ordered. For more information on credit card consumer protections see www.privacyrights.org/fs/fs32-paperplastic.htm#3

To protect both buyers and sellers, some auction sites prohibit the use of wire transfers as a payment method. The Federal Trade Commission recommends that buyers do not pay by wire transfer because if something goes wrong, you are left with no refund and no recourse.

Another popular way to pay at auctions is with online payment services, such as PayPal. In this scenario, the buyer and seller set up accounts that allow them to make or accept payments. Buyers provide payment information, like bank account or credit card numbers, and sellers give information about where payments should be deposited. Some online payment services offer protection if the seller doesn't ship the goods.

Sellers can be scammed too. Fake check scams are the most common problem, although they can be avoided by not accepting checks, especially cashier's or certified checks, as payment, and by waiting to ship the goods until you get your payment in a reliable form.

If a buyer offers you a cashier's (or certified) check for more than the amount of the item, and asks you to wire them the excess amount, don't do it. This it is a classic example of a fake check scam.

If you encounter a problem with a buyer or seller at an online auction site, such as eBay, it's important to report the problem to the site right away. You are probably not the only person being taken advantage of and you could help shut down illegal or unethical sellers by alerting the site to the problem. For more information on online auctions, see www.consumer-action.org/news/articles/internet_commerce_issue_spring_2008/#Topic_07

21. Understand Your Responsibility for Sales and Use Taxes Online



Generally Internet shopping is sales tax free, but there's a catch. If an online merchant has a physical presence in your state, it is required to charge you sales tax. In most sates, consumers are required to pay tax on online purchases, even if the store doesn't collect it. Most states call this a "use tax." Efforts are underway to simplify the sales tax issue in many states.

SAVING MONEY AT THE GROCERY STORE

Smart shopping at the grocery store can help you save money. But smart shopping is more than just clipping coupons and buying things on sale. It requires having a shopping strategy. You see, grocery stores are professionally designed, and laid out to get you to spend as much money as possible. By learning some of their secrets and techniques, you can help keep money in your pocket. To help you improve your saving money habits, here are some grocery store spending and saving tips and advice.

GROCERY SAVING STRATEGY

ON SALE ITEMS TO AVOID
The grocery store is professionally organized to get you to spend as much money as possible. Often, "on sale" items are displayed at the front of the store or at the end of isles. Don't assume that these items are actually a bargain, since the manufacturers or distributors of those products are actually paying to display their products.

BUY ONLY WHAT YOU NEED AND CAN AFFORD
Before grocery shopping, write a list of the items you need. Then, when shopping, only buy those items. Avoid putting other things in your cart that catch your eye. Supermarkets want to take advantage of people buying things they did not intend to purchase, so be a smart shopper and use a shopping list.

Also, don't buy more than what you can afford. You are probably better off using cash than a credit card, if using a credit card puts you into debt. If you only bring the money you intend to spend, then you can't spend any more.


AVOID CONVENIENCE ITEMS
Don't purchase items that are convenience items, such as prepared vegetables or pre-made sandwiches. These items are more costly, and you are better off buying your own ingredients and making them yourself.

BUY ITEMS IN BULK?
Buying items in bulk used to be cheaper. However, these days stores figured out that they could actually charge more, without consumers realizing it. The bigger box of cereal may actually be more expensive than the smaller box. Therefore, the best bet is to comparison shop and see if you are actually getting a better bargain.

CHECK THE ENTIRE SHELF
Grocery stores will often place the higher priced items at eye-level. Again, consumers choose more items to buy from eye level. So look at the top and bottom of the shelf for potential better bargains.

Also, often the healthier (and less expensive) items are more difficult to find. Packaged, prepared foods are more costly and generate bigger profits, so try to find the healthier items.

KEEP YOUR RECEIPTS
If after shopping you discover that the store or another store that has products you purchased advertised at a lower price, keep your receipt and go back to the store to ask for a discount.

TRACK PRICES
Keep track of the prices you are paying for items you often purchase. Then keep that list with you when you shop. That way, if something is "on sale" you will know if it is really a sale or not. If you find a good discount, then buy enough extras, if the item does not spoil.

HAPPINESS AND SHOPPING
Many people shop just to feel good. Shopping helps make you happy. However, to save money, you need to keep your emotions in check -- always remember to stick to your budget and your shopping list.

DON'T SHOP ON AN EMPTY STOMACH
Don't shop when you are hungry. People tend to buy more, and a larger amount of the things they don't need when they are hungry, so always shop with a full stomach. Also, prepare to dress more warmly, since supermarkets are often cold, because the cold temperatures actually makes you hungry so you buy more!

BUY THE DEALS - AVOID THE REST
One shopping technique is to shop more often, and focus your shopping on the special deals given by the store. Then go visit other stores to buy their special promotions. Many stores rely on the fact that you will buy more than the specials, to make their money and maximize profits. However, you must remain disciplined and don't be tricked into spending more than you plan when entering the store.

OTHER SUGGESTIONS
- Try to buy generic, no name brands when possible. Especially for staples such as flour, salt, etc.