Safe Holiday Shopping tips

As I mentioned nearby, last month I wrote about identity theft and cybersecurity.  Now as we enter the peak holiday shopping time period, it’s good to remember some key ideas to safely shop online or in the mall.

Buying your gifts online can be a big time-saver.  However, with this convenience comes the danger of having your personal and financial information stolen by data hackers.

1. Pay by credit instead of debit.

Credit card payments can be withheld if there is a dispute, but debit cards are typically debited quickly. In addition, credit cards generally have better protection than debit cards against fraudulent charges.

2. Maintain strong passwords.

When you order through an online account, you should create a strong password. A strong password should be at least eight characters long, using a combination of lower-case letters, upper-case letters, numbers, and symbols or a random phrase. Avoid dictionary words and personal information such as your name and address. Also create a separate and unique password for each account or website you use, and try to change passwords frequently. To keep track of all your password information, consider using password management software, which generates strong, unique passwords that you control through a single master password.

3. Beware of scam websites.

Typing one word into a search engine to reach a particular retailer’s website may be easy, but it sometimes won’t bring you to the site you are actually looking for. Scam websites may contain URLs that look like misspelled brand or store names to trick online shoppers. To help you determine whether an online retailer is reputable, research sites before you shop and read reviews from previous customers. Look for https://in the URL and not just http://, since the “s” indicates a secure connection.

4. Watch out for fake phishing and delivery emails.

Beware of emails that contain links or ask for personal information. Legitimate shopping websites will never email you and randomly ask for your personal information. In addition, be aware of fake emails disguised as package delivery emails. Make sure that all delivery emails are from reputable delivery companies you recognize.

Holiday Gift-giving commentary from Erma ….

“Thanks to my mother, not a single cardboard box has found its way back into society. We receive gifts in boxes from stores that went out of business twenty years ago.”

― Erma Bombeck

….. now it’s just reusing Amazon and HelloFresh boxes for gift-giving