THE INTERNET - PART 2
Shopping on the Internet has never been easier or safer if you just follow a few simple safety rules. The vast majority of online vendors are reputable and secure. If you don't feel comfortable with a vendor, just take your business elsewhere. Also, you can shop whenever you feel like. Can't sleep? Where else could you have a cup of tea and shop in your pajamas?
Here's a few tips to help make your online shopping experience free of headaches:
- Do not visit shady looking web sites. You'll know them when you see them. Would you shop at "Uncle Bruno's Fell Off the Truck Discount House of Electronics"?
- Shop online from reputable companies only. It's safe to use your credit card to pay for purchases online at any store as long as when you check out, you see a little gold lock in the lower right corner of your browser (See Figure I2-1).This means that the transaction is secure. If you don't see this lock -- DO NOT CONTINUE WITH THE PURCHASE! The lock is not just a picture. Click on it to see details of the site's security. This is important because some fraudulent web sites will imitate the lock icon of your browser.
- It's also a good idea to use the same credit card for all of your online shopping. If there is ever a problem, all you have to do is cancel that one card.
It is actually safer to shop online with a credit card than at a real store? Here's why: When you use your credit card at a secure site and you see the little gold lock in the lower right corner, your credit card information is sent to the store using a. In simple terms, this means your data is scrambled using really powerful encryption which is the process of hiding information to make it unreadable. Even hackers cannot break this encryption.
Think about what happens when you use your credit card at an actual store:
- You hand your credit card to a complete stranger.
- They scan it or enter the number into a computer and it is displayed on a screen for all to see.
- You sign the receipt with your credit card number on it and then there is a paper copy laying around.
Pretty scary, huh?
- Your web browser (Internet Explorer, Firefox or Opera) makes comparison shopping simple. Use a different tab on your browser for each store. Then you can easily switch back and forth to compare similar items.
- Be aware of shipping charges. They can be different for every vendor. Very often, you can even find free shipping. The search for bargains is part of the fun!
- DO NOT GIVE OUT PERSONAL INFORMATION LIKE SOCIAL SECURITY NUMBERS, BANK ACCOUNT NUMBERS OR CREDIT CARD NUMBERS (unless you're making a secure purchase) ON THE INTERNET!!! Any web site or email asking you for this information is trying to rip you off!
- Always, always, always use a credit card only to pay for your purchases! Never allow transfers of funds from your checking or savings accounts.
What is eBay? Simply put, eBay is an electronic "flea market". eBay is a safe online marketplace where anyone can buy and sell goods and services. Sellers pay a small fee plus a percentage to eBay. Buyers can use eBay free of charge. There are rules and penalties in place to protect users from anyone who abuses the system.
Some facts about eBay:
- eBay is international.
- The variety and quantity of items is staggering. There are more than 16 million items for sale.
- Items can be sold at auction (buyers bid against each other), or at a fixed price. The sellers decide how they want to sell an item.
- Buyers do not get to actually see the item prior to purchase, but there are several guarantees in place to protect the buyer.
- eBay runs various computer programs to reduce electronic dishonesty.
- There is a full time staff dedicated to promoting fairness and impartiality.
- There is a system called "feedback" used to protect both buyers and sellers. Usually, the more dependable buyers and sellers will have more positive feedback than negative.
- eBay offers a professional payment service called PayPal in to ensure safe payment between parties. See my article on PayPal on this page for more information.
A Safety Guide to eBay
- Always carefully read the details of the auction before placing a bid to make sure you know exactly what you're bidding on. Things to be aware of:
- Payment method
- Shipping and handling costs. Some sellers deliberately list an expensive item for a cheap price to fool the new buyer. Overpriced shipping and handling charges is where they make up the difference. This trick is within eBay policy and punishes the user who doesn't read the full ad.
- When item will be mailed out
- Other costs or conditions
- For clothing, make sure to note the size, color, fabric, or damage especially if the item is "used" or "vintage".
- If there is anything you are not quite sure of, get more information from the eBay seller before you bid. You can do it by clicking "Ask seller a question".
- For a comprehensive list of what can, or cannot, be listed on eBay visit the "prohibited items" page. Remember, if the item is confiscated by customs, you are not entitled to a refund.
- Leave positive feedback whenever you are satisfied with the transaction. Always think hard before leaving negative feedback. Feedback is forever!
- Don't engage in bidding wars. Bidding wars are only good for the seller. New eBay users often get caught up in bidding wars because they have yet to learn when to keep bidding, and when to stop. An experienced user will often outbid the novices by mere pennies a seconds before the auction closes. You need to show restraint and patience and bid near the end of the auction.
- Don't bid over your head. Bidding can become addictive. Be aware of how much money you can afford to spend on that special item.
What is PayPal? PayPal is a popular payment service owned by eBay and is used for online purchasing. 95% of eBay purchases are paid by PayPal.
PayPal allows buyers to send money to sellers using their email addresses. The parties involved in the transaction NEVER see each other's credit card or bank information. PayPal acts as the middleman to hold the money. There are many safeguards and procedures that allow buyers and sellers to trust PayPal with their credit card and bank information. PayPal keeps that information secret. This way strangers can safely send money to each other through PayPal.
The only requirements for a PayPal account are a valid email address and a valid credit card or bank account. PayPal is free for buyers. Once a buyer sets up a PayPal account it costs nothing to send money to other PayPal users. The funds are withdrawn from the user's credit card or bank account. PayPal does not charge buyers to send money.
If you want to shop on eBay, it is necessary that you have a PayPal account because 95% of eBay sellers choose PayPal as their method of choice for taking payments. Since eBay owns PayPal, eBay has a stake in keeping PayPal stable and reliable.
A Safety Guide to PayPal
- PayPal has designed its system so errors and fraud are kept to a bare minimum.
- PayPal guarantees 100% protection against unauthorized payments from your account. Every transaction is confirmed by email.
- eBay purchases can be insured up to $1,000 through PayPal.
- NEVER allow PayPal to transfer funds from your bank account as a method of payment. Even though the transaction itself is secure, if you have a problem with the purchased item it will be very difficult to get your bank to void the transaction. ALWAYS have PayPal use the credit card you signed up with as the method of payment. It is much easier to have your credit card company dispute a charge.
Online Photo Sharing
You can post your photos to several photo-sharing sites for free. Posting photos to the web is a good solution if you have many photos or want to share the same photos with many people. Most photo-sharing sites will automatically reduce large images.
Flickr is one of the most popular photo-sharing sites. Flickr is owned by Yahoo and offers a limited free account. The free Flickr account lets you 100 MB worth of photos each calendar month and there is a limit on the total storage. For $24.95 a year Flickr provides unlimited uploads (10MB per photo), unlimited storage, permanent archiving of high-resolution original images, and ad-free browsing and sharing. Your photo albums can be private or public.
Another option for sharing your photos online is built into Picasa and is called a web album. It takes only a few minutes to set up a free Picasa Web Album. Picasa gives you 250 megabytes of storage for free. Check out my Van Gogh Gallery to see what a web gallery looks like. Additional web storage can be purchased.