Shopping Online has become very popular, and is here to stay. It ‘s convenient, enjoyable, and you can buy anything you want very easily without having to leave your home. You can even compare different prices of merchandise. You can’t do this when shopping at a store without getting in your car. Just think of the enormous amount of time you save by shopping online.
Unfortunately, there’s always a risk involved. When shopping online, you can get scammed and burned very badly. There are many con artists trying to take your money while offering you very little in return. You can eliminate the risks of buying online by learning how the seasoned pros shop online.
14 Tips for Shopping Online
Open a separate bank account just for online shopping
It can be very easy for someone to steal your identity, and take money from your bank account after you buy. With online banking, it’s very easy to transfer money from one account to another in just a few seconds. If you transfer the amount you need to cover an online purchase to a separate bank account, before making the purchase, you’ll eliminate this risk.
Have a separate debit card for your new bank account
The bank will probably give you a debit card for this new account anyway. If someone gets your debit card number, there’s no problem. First, there’s no more money in the account after your purchase. Second, you can call the bank, cancel the debit card in a few seconds, and get another card very quickly.
Use a Debit Card, never a Credit Card
An online pro is not just an online buyer. He’s a business man. As a good business man or woman, you should never buy online unless you have the money to spend. Buying online with a credit card is dangerous. If you haven’t determined the amount you’re going to spend, there is the possibility of getting carried away. You can get yourself in big trouble because those purchases do add up.
Set a limit you’re going to spend every time you shop online
Protect yourself against YOU. Before you log in, you should know what you’re looking for, and what you’re going to buy. There’s always the temptation to buy something you see, on the spur of the moment, without thinking. You can say, “I’ll buy this now, and transfer the funds when I’m finished.” Never think this way, and don’t do this. Otherwise, your account could be overdrawn, and you’ll never buy from that website again. Be careful. Buy specifically what you’re looking for. If you see something else you want, you can always go back and buy it later, after you transfer the money. Use a little common sense. Don’t get carried away.
Set up a separate email account for online purchases
This is not that critical. It’s a good practice because it will keep your online buying transactions separate from your other personal transactions. Also, it’s a good idea because it will keep your regular email account from being flooded with messages, especially if you do a lot of online buying.
Buy only from Companies you know and trust
If you buy from Amazon, Wal-Mart, Target, Macy’s, and other similar companies, there’s no problem. Reputable companies will resolve any problem with your purchase, if there is one. The only exception to this is Ebay. You’re not buying from Ebay. You’re buying from individuals who list their products on Ebay. If there’s a problem, Ebay will try to help you resolve it. However, they can’t always control what the seller may or may not do. Buying on Ebay doesn’t guarantee you won’t be scammed. However, there is no chance of this happening with Amazon or Wal-Mart.
Buy from reputable websites
Many websites are partners with the big Companies like Amazon and Wal-Mart. Purchasing from these sites will never be a problem. Otherwise, Amazon and Wal-Mart would not be associated with them. There are other websites that advertise either their own products, or products they buy from drop shippers after your purchase, and then have shipped to you. Be careful when buying from these websites. Many are scam artists and won’t follow through with your transaction. If this happens, you’re going to have a hard time getting your money back, if you get it back at all.
Read product reviews before you buy
If you buy from a big Company, product reviews are usually posted on the sales page. This is not always the case when buying from a website selling their own products. And this is almost never the case when buying from Ebay. Product reviews are important because they could prevent you from making a mistake that you’ll regret later.
Know the Company policies before you buy
Try to get the best deal possible
If you see that item you’ve been looking for, at a certain price, you can usually beat that price. This just means you’re a good negotiator. Even when you buy from Amazon, they’ll show you other similar products at different prices. You don’t have to buy the first item you see. Be patient. That product’s not going anywhere. If it does, there’re more.
Always buy from a secure computer
Never buy from a strange computer. Always buy from your own. Have malware protection on your computer. Make sure your internet connection is on a secured server. And finally, never buy from an internet connection in an internet cafe. This is a recipe for disaster.
Don’t buy grocery or staple items online
You can buy anything online, but, buying certain items online is ridiculous.If you to buy paper towels, bathroom tissue or hair spray. it makes no sense to buy online. First, you can get in your car, go to your local store, buy what you need and be back home in twenty minutes. Second, after they include the shipping charges, you could have gone to the store and bought three times what you bought online. Again, use a little common sense.
Never buy something that offers a Free Trial
Besides goods, people buy services online. Many online merchants advertise something for free, and then offer you a free trial. This is the only way you’ll receive what they offer. These are almost always scams. Don’t give them your debit card number. If you don’t like the service, and decide to cancel, they’ll run the payment through anyway. Getting your money back will be impossible. On the other hand, if you’re dealing with an established Company, such as Nutrisystem or Medifast, this is not likely to happen. But I still don’t recommend this.
Be careful when buying digital products
Digital products are those that are downloaded immediately after you buy, such as, e-books and software. Most of them are junk. If you have to buy a digital product, never buy without reading several product reviews. Unfortunately, this won’t guarantee the integrity of the product because over ninety percent of the product reviews are written by people who have never seen the product. During my lifetime, I purchase about fifty digital products online. Only one came close to living up to it’s claims, and this was barely. The rest were nothing but scams. Finally, you can get the same information people are trying to sell you elsewhere on the internet, and for free.