Monthly Archives: September 2016

Tips on Buying Electronics on the Internet

Buying online requires that you trust the information you have gathered up, and then give out your credit information. Unfortunately, there are always bad guys just waiting for you to drop your guard, and then it’s all over except the time required to fix it―which can range from hours to actual years, and more frustration than you can possibly imagine. So what do we do? It is best to divide the purchase up into three different sections and treat each section independently.

Section one would be the actual product research. For example, what do you need your device to do? Will it accomplish all the tasks you require of it? What price range will best fit your budget without compromising quality? Does the manufacturer have a good track record of producing items that are well made and reliable? Once you have a general idea of which products will fill the bill, the next step is to find some people out there using your prospective product and find out what they think of it. You need to be careful here―if you go to a website that has a review of your product and also sells it, they are probably biased. That is not the type of review you should be looking for. Look for a site that doesn’t sell anything, and has independent reviews of products, preferably by consumers who use the product. Two sites that fit the bill are Epinions and ConsumerReview, both of which provide product reviews and ratings written by consumers on product quality, customer service, and best buys. Most of these reviewers are average consumers and tell it like it is. If a particular product doesn’t work very well they will surely tell you, in great detail; they hold no punches.

Section two is probably the trickiest part of an online purchase. Once you know what you want, you need to start looking to find a company that will sell it to you at a good price. This is the most difficult section, because if a company is dishonest or does not stand behind its products, or customer service is nonexistent, this is where the hair-pulling comes in. Many consumer review sites also provide price comparison charts and company ratings to help you decide where to purchase your product after you decide what you want. Be sure to review these ratings carefully. Does the seller have a phone number that you can use to contact them? Is the product they are selling brand new with a warranty applicable to the country you live in? What is the seller’s refund policy? Do they offer a refund if you are not satisfied with your purchase within a few days of receiving the product? If you have a problem with your product later, when and how can you return it to the seller? Do you have to return it to an authorized repair facility, and what would that entail? Is the product in stock? If not, when will it ship? Does the seller show his complete address? VERY IMPORTANT: Be sure to keep all documentation related to your communication with the seller, make note of the dates and times you called, the names of people you spoke with, and save all e-mails. The best looking website or best price is not synonymous with a seller that will do a good job of taking care of you and your order. It also is a good idea to talk with your friends or co-workers about who they like to buy from and their experiences.

Section three is the actual purchase. After completing sections one and two above, you can now buy your product with confidence. If you are uncomfortable purchasing the product online, call the seller and give them your credit card information over the telephone, or make arrangements to mail them your payment. If you decide to purchase the product online from a website, you should always use a credit card if possible, because you will have the most buyer protection. With today’s security software, firewalls, and encryption utilities, online purchases are usually very safe and secure. You will most likely need to set up an account first. Usually the only information you need to provide is your name, mailing address, e-mail address, and possibly your phone number. Be a little leery if they ask for more personal information such as your age, annual income, or shopping preferences. This type of information may be used for targeted marketing, and sellers don’t need it to sell you a product. If such fields are marked ‘required’, you can usually get away with putting in fake information just so your purchase will go through without you giving away too much information. Before finalizing your purchase, make sure you understand the shipping rates; the faster you get it, the more it costs.

If you follow these steps, your online purchasing should go smoothly. If you purchased the product with a credit card and problems arise before you pay the credit card bill, you can usually alert your credit card company to dispute the bill and they may help you clear up the problem with the seller. If you have any problems after paying your bill, contact the Better Business Bureau, Chamber of Commerce, or other consumer protection groups in the state or country the seller is located in. In an absolute worst-case scenario, you can also contact that state’s Attorney General for further legal action.

Thankfully, most electronics purchases from online companies today go pretty smoothly. The main things to remember are: research the product, find out what other people think, and learn as much as you can about the seller before making your purchase. And after your product arrives, be sure to go online and post your own reviews of the product and the seller, to help other people navigate their way through the world of online electronics purchases.

Tips on Protecting Yourself Online

First, contact the company and let them know you have a charge on your account that you need to dispute. Find out what the article was that was ordered and see if you remember ordering it. Interestingly enough, sometimes the company name on the charge slip is listed differently than what the company’s name is online, so it may actually be something you did buy. But if this is not something you ordered, ask to speak with a customer service supervisor, and tell them about the charge and violation of security. Call the Secret Service (yes, the Secret Service) and let them know that someone has accessed your account online from a secure site.

Sometimes companies will offer to set you up with a credit-monitoring agency for a year. These agencies will notify you when someone attempts to use your information or accesses your account(s). Several years ago my mortgage company sent a letter out to several of their clients telling us that we had been automatically signed up for a credit-monitoring agency. Evidently, one of the brokers had a laptop stolen that might have had some identifying information on it. So, to be safe and protect their customers, they immediately initiated a security protocol that involved signing people up for credit monitoring. If a company does not offer to do this, you can sign up through any of the main credit-reporting agencies listed below.

Equifax Credit Information Services―Consumer Fraud Division
P.O. Box 105496
Atlanta, Georgia 30348-5496
Tel: (800) 997-2493
www.equifax.com

Experian
P.O. Box 2104
Allen, Texas 75013-2104
Tel: (888) EXPERIAN (397-3742)
www.experian.com

TransUnion Fraud Victim Assistance Dept.
P.O. Box 390
Springfield, PA 19064-0390
Tel: (800) 680-7289
www.transunion.com

You can also get a copy of your credit report FREE at https://www.annualcreditreport.com/cra/index.jsp If you have had information stolen, it is recommended that you check your credit report every few months to see if other charges crop up that you have not authorized.

E-commerce and buying online is becoming big business―for lots of reasons. People don’t want to go through the hassle of driving to the store, trying to find a parking place, and then trying to find a gift. It’s much easier to stay at home, click a few buttons and have someone deliver it to you. There are ways to keep your information secure and safe. Just remember the STIRS acronym―and if you find an error, you should STIR things up to get it corrected as quickly as you can.

Site―is the site you are on a reputable site?

Trustworthy―Does the site have a Verisign logo or some other type of security validation listed so as to protect your financial and personal information when you submit it?

Information―Does the company have a privacy policy? Read it and see what steps they take to ensure your privacy.

Reliable―One of the best ways to see if a site is reliable is to look at comments from other people who have bought items from the site and read their experiences.

Scrutinize―Read the site carefully and be sure there is plenty of valid contact information available before you place an order. You can e-mail a company and ask them for verification of privacy policies, shipping charges, and return guarantees. You can call and place your order instead of putting your information in an online order form. When you get your bill from the company, look over it with a fine-tooth comb and make sure your order matches.

While online shopping does have its pros and cons, it’s important to make sure that no one has gifted themselves at your expense.

Ways to Avoid Internet Sales Fraud

Since consumers began using the Internet to make purchases, the popularity of online sales has snowballed dramatically, even to the point that brick-and-mortar sellers are actually suffering from the competition. But consumers have also suffered because of online scams that go to great lengths to take advantage of people who do internet shopping for a bargain. How can you protect yourself from being the victim of an Internet sales fraud?

Be sure you know who the seller is.
If you are purchasing something from a website or company you are unfamiliar with, be sure to research it carefully. If the seller is local, you can check with state or local consumer protection agencies or even your local Better Business Bureau. Some websites, such as eBay, half.com, and Amazon, have feedback forums where buyers can rate and comment on sellers and how satisfied they were with their transactions. However, remember that if there are no complaints posted for a seller, that isn’t always a guarantee that the seller is legit. Other online stores that are individually owned are not policed and monitored like eBay and online auction sites. For sites such as these, be sure to make note of the seller’s physical address, and a contact phone number, in case you have a problem after the purchase and need to get in touch with someone to resolve it.

Be sure you understand the terms of the sale.
Legitimate sellers will provide details about all the products you purchase, including the total price, delivery charges, time to deliver, cancellation policies, and refund information. If a seller doesn’t provide enough information, is vague or reluctant to respond to inquiries, or does not have policies posted on their website, then you would do well to be cautious before buying from them. Be particularly wary of prices that are incredibly low-priced, or ads for rebates that supposedly cover the whole cost of the product. Shipping and handling charges may be extremely excessive, and that’s why the supposed ‘rebate’ covers the total cost.

Find out how complaints are handled by the seller.
There are several very good policing agencies such as Verisign, which sellers can join to show that they are legitimate and reputable sellers. If the seller is located in another country, it is particularly important to learn about complaints ahead of time, since resolving them across borders can be especially tricky. Search online for information about how the company has handled disputes in the past, and see if there are any programs it participates in that require the seller to meet certain standards for reliability.

Protect your personal information.
The safest way to pay for an online purchase is with a credit card, because you can dispute the charges with your card company if the products are never delivered or the description doesn’t match what arrives in the mail. But don’t give out your credit card information unless you are paying for a purchase. Sellers should not ask for credit card information before providing you with all the information you need in order to make a purchasing decision. According to federal law, your liability is limited to $50 if someone charges your account fraudulently, and most credit card issuers will remove those charges if you report it to them promptly. But your social security number should never be requested for completing a purchase online.

Watch out for imposters and unsolicited e-mails.
If you get an e-mail that seems to have come from a company you regularly do business with, and they are asking for information that you have already given them, do not reply and give them that information. Instead, contact the company and let them know about the e-mail you received. Chances are that it was a fraudulent note, and the company will appreciate your reporting it. Do not reply to the e-mail itself, because if it is indeed a fraud, the sender will then know that your e-mail address is a valid one and you may be opening yourself up to still more unwanted e-mails from strangers. Delete any suspect e-mails.

The Internet can be a terrific place to fish for online bargain shopping that will save you money, but there are plenty of sharks swimming in those online waters. Be sure that you take the time to research a seller, get plenty of information about the sale, and protect your private information, and your online purchases will be smooth sailing.

The Guide for Maxi Dresses

Planning to wear something light and bright this summer? Wondering which outfit will give you the much needed glammed look, while matching the fancies of your style and attitude ? Want to experiment with something different from the regular? Then go ahead and try your hands at the fancy and flamboyant Maxi dresses. Stitched out of a single piece of cloth, these have been a major hit in the past, and are believed to be one of the best pieces of clothing to adorn during the warm summers.

The casual yet charming appearance of Maxi Dresses makes them for a versatile weaponry in the wardrobe armour for women around the world. The long maxi dresses can be dressed up with other clothing options and accessories to make you stand apart and keep you fashion forward, while feeling comfortable at the same time- a feat only few other clothing options manage to achieve.

Also, it is a very good option to mix up your Maxi dresses with jackets. Not only do they look great, but they are also quite a practical option if the nights are getting colder. Denim jackets are the best option to pair up with a black Maxi dress. Add a pair of long necklaces, a bunch of bangles, and gladiator sandals to give yourself that much desired edgy appearance!

Maxi dresses have been around for a while now. This means that all possible variations have been tried and experimented with in the past. Pairing your Maxi Dress with pants is a unique way to dress up the Maxi. It is unexpected and speaks volumes about the confidence of the power women who dare to adorn these. Also, special attention needs to be given to the footwear you choose to wear with your Maxi Dress. Platform heels undoubtedly go well with any maxi dress and are the best go to option with them.

In order to stand apart from the rest while you sport a Maxi Dress, it could be helpful to consider some of the tips given below:

  • Use layers on your maxi dress: The best way of wearing a Maxi Dress is unfortunately also the hardest. It requires a good understanding of the fashion world along with a sense of styling in order to pull off a layered look of your maxi dress. As a rule of the thumb, you can wear a light coloured top inside a deep cut, contrasting maxi dress. Layer this up further using scarves, stoles, shrugs, or even jackets if the weather is cold outside.
  • Try Oversize Maxi Dresses to get that classic ancient look: Go for a lightweight, breezy Maxi Dress for that out of “Lord of the Rings” look. Pair them up with ankle tie shoes for the perfect on trend pairing.
  • Go for oversized coats: People are often under the impression that wearing a long coat with a long hemline Maxi Dress may not be such a good idea. Heck, no! We think that long outerwear looks surprisingly cool with a longer hem dress.
  • If you have been irritated by the fact that your pretty dress keeps skimming the ground, then a pair of wedge heel platforms are the ideal choice of footwear to save your dress.
  • If you are not afraid of stealing all the attention all by yourself, then go for a bright coloured maxi with abstract patterns on them. Florals and other geometric shapes look extremely catchy and attractive.
  • In order to make your Maxi appearance office worthy, you can go for linear, more structured pieces. Try a blazer with a Maxi dress sometime then?

With the tech revolution that the country is going through at the moment, the internet boom has taken everyone by a storm. From education aspirants to fashionistas to shoppers, everyone is going online. Ofcourse buying products online has its own perks and is more viable option for everyone. From a safety pin to a gigantic bus, everything is available online. No wonder, the best place to buy your Maxi dress is online too. There are tons of one piece dresses online to choose from. So go ahead and fill your shopping cart with maxi dresses today. It’s time to increase your closet collection.

Ways to Get Cheap Stuff Online

Online shopping has many advantages. Firstly, you can compare a variety of products in terms of features and price, before selecting the one you want to buy. Secondly, you do not need to physically go and get the product, as the same is delivered at your doorstep. And the most important benefit―you get the products much cheaper than what you would get at retail stores! Here are some of the best places to buy stuff online.

eBay
Whether you want to buy the latest gadgets, jewelry, clothes, household stuff, or anything else you can think of under the sun, eBay is a one stop shop for all these things. Simply log onto the website and click on the categories from which you want to buy things. You will find options galore and that too at reasonable prices for whatever you need to buy on this online auction site.

Woot
This website is very peculiar in the sense that it sells only one product per day. If you go to their home page, you will find this product advertised. If it mentions ‘I want one’, it means that the product is still available. However, if the advertisement shows ‘sold out’, it means that you have missed the chance of a good deal! Every day at 11.59 pm, i.e., the product to be sold is changed. Selling is done on first come first serve basis till the stocks last, or till it is midnight, whichever comes first. So, you have to check for the deal as soon as possible, on a daily basis. Then there is a surprise ‘woot-off’ in which several product deals are offered by the website after the product of the day sells out. Woot-off lasts for anywhere between one to three days, and is offered unannounced by this website, twice or thrice a month.

TodaysDOD
On the homepage, you will find a number of deals taken from various deal sites. The duration for which the deals are available is also clearly mentioned on top of each of them. You can get good deals for everything, right from sports equipment to gadgets, clothes, shampoos and wine.

Amazon
Amazon is a great place to shop for books, movies, games, electronics, clothing, and home improvement stuff. The rates offered by Amazon are pretty competitive, making it one of the most preferred website around the world for discount shopping.

Gutenberg
For book lovers, Gutenberg offers close to thirty thousand absolutely free e-books. Most of these books are, however, classics by authors like Charles Dickens, Jane Austen, Mark Twain, etc. All these books do not have a copyright, and hence, are available for free on this website.

Pacific Geek
As the name suggests, they offer anything and everything related to electronics and gadgets. So to buy cameras, cell phones, batteries, computer systems, consumer electronics, routers, switches, software, television cards, etc., this website is the place to go. The best part about this website is their ‘deal of the day’ offer in which they sell a particular product at a very low price. You can find this offer everyday on their home page.

Cheapstuff
They offer some really cool deals for electronics, video games, jewelry, gadgets, home improvement items, baby-care products, personal care products, auto parts, etc.

One last tip before I sign off―make sure that you know the terms and conditions before you buy anything from any of these websites. Happy shopping!