Tag: online shopping
How To Protect Yourself From Online Shopping Scams During The Holidays

How To Protect Yourself From Online Shopping Scams During The Holidays

By Carolyn Bigda, Chicago Tribune (TNS)

With more people buying gifts online over the holidays, the potential for fraud is high.

“Scammers know people are looking for good deals and trying to fulfill their holiday wish lists, often without a lot of time,” said Michael Kaiser, executive director of the National Cyber Security Alliance.

A lot is at stake. On Cyber Monday alone — the Monday after Thanksgiving when retailers tend to run big promotions on the Web — projected sales exceeded a record $3 billion.

If you will be among the many surfing for deals this season, consider these steps for keeping your transactions and personal info safe.

Beware the $20 iPad. Be cautious if you stumble upon a website or get an email with an eye-popping sale.

One way that scammers lure shoppers into handing over credit card information is by advertising super-low prices. If a promotion seems too good to be true — say, a new iPad for about the same cost as a box of Legos — it probably is.

“If most retailers are selling a product within a certain range (of prices) and then one site is significantly less, that should be a clue,” Kaiser said.

Look for the lock. Experts suggest using a credit card instead of a debit card when shopping online. With a credit card, you are protected if your account number is stolen or if a purchase turns out to be not as advertised (or nonexistent).

Before entering your card number, though, check that the website will encrypt your information. Encryption ensures that only authorized parties (you and the store) can see your personal details.

You can tell that a site is encrypted if the letters “https” or a lock icon appear along with the website’s URL. If you see a lock but it has a warning symbol, such as a question mark or red line through it, that suggests the website is only partially encrypted. Abandon cart.

Use third-party payments. Millions of people have had their information stolen because of database breaches at retailers. So it’s understandable if you’re not comfortable using even a credit card online.

As an alternative, Shaun Murphy, chief executive officer of PrivateGiant, which is developing an app for encrypted messaging and file sharing, recommended using third-party payment tools, such as Amazon Payments, Apple Pay or PayPal.

By using these services, your credit card and billing information lives in only one database, rather than at multiple stores.

“The retailer doesn’t get your credit card information, and your data is stored with a trusted third party,” Murphy said.

Check reviews. That unique gift for Aunt Sue may lead you to shop at an unfamiliar website or vendor.

In such cases, it is an especially good idea to use PayPal or other third-party payment services. And before you click “buy,” read reviews about the seller or look for ratings based on feedback from multiple shoppers, not just one or two.

“This is where community policing and voting come in handy,” said Bruce Snell, cybersecurity and privacy director at Intel Security.

Sign up for alerts. Finally, if someone does manage to nab your credit card info, make sure you know about it quickly. At many banks and credit unions, you can sign up to receive texts or emails any time your card is used.

Along the same lines, it’s a good idea to check your bank and credit card accounts regularly this shopping season and look for purchases you don’t recognize.

Said Snell, “During the holidays, you want surprises to be good.”

ABOUT THE WRITER: Carolyn Bigda writes Getting Started for the Chicago Tribune. yourmoney@tribune.com.

©2015 Chicago Tribune. Distributed by Tribune Content Agency, LLC.

This post has been updated.

Photo: Daniel Foster via Flickr

 

Twitter Tests ‘Buy’ Button For Posted Ads

Twitter Tests ‘Buy’ Button For Posted Ads

San Francisco (AFP) — Twitter on Monday began testing “buy buttons” that let people make purchases directly from marketing posts fired off at the globally popular one-to-many messaging service.

The move comes as Twitter works to ramp up its appeal to people curious about what is happening at any given moment and to advertisers eager to connect with them.

“This is an early step in our building functionality into Twitter to make shopping from mobile devices convenient and easy, hopefully even fun,” group product manager Tarun Jain said in an online post.

“In our test, the entire purchase can be completed in just a few taps.”

The test was limited to a small group of Twitter users in the United States who access the service from mobile devices powered by Apple or Android software, according to Jain.

Users will have the option of having payment and shipping information encrypted and stored to speed up future purchases.

“We’ll be starting the test with a group of artists, brands and nonprofit organizations, so follow them now and look out for great products over the coming weeks,” Jain said.

The list of launch partners included Home Depot, Burberry, The Nature Conservancy, Soundgarden and Twenty One Pilots.

– Tapping into e-commerce –

Advertisers will be able to pay to “promote” Twitter messages featuring buy buttons the same way other marketing tweets can be more prominently displayed.

Financial terms of the buy button arrangement were not disclosed.

In July, Facebook began testing a feature that lets users of the leading social network make purchases by simply pressing an on-screen “Buy” button.

The test was limited to a few small- or medium-sized businesses in the United States.

“People on desktop or mobile can click the ‘Buy’ call-to-action button on ads and page posts to purchase a product directly from a business, without leaving Facebook,” the California-based Internet titan said in an online post.

The intent was to gauge the potential to drive retail sales through the Facebook newsfeed or on pages at the online social network, the post indicated.

Social networks are eager to seize the potential of tapping into e-commerce, especially as purchases using smartphones or tablet computers grow increasingly common.

AFP Photo/Leon Neal

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5 Dangerous Guns Sold Online In America

5 Dangerous Guns Sold Online In America

CORRECTION: A previous version of this story published on Dec. 14, 2012 contained factual errors regarding the sale of guns via the Internet. The National Memo regrets the errors and apologizes to readers.

While the nation is processing yet another deadly mass shooting, this time involving children at an elementary school in Connecticut (at least 20 students were killed out of 27 total dead, including the shooter), the question will be whether this will be the wakeup call the United States needs to have a serious conversation about gun control and the gun culture fueled by the National Rifle Association.

Will we demand our political leaders take action to get at the root of the problem — America’s lax gun control laws? Or will we let the NRA and its followers continue to dominate the discussion by dismissing guns as the problem or even arguing that every private citizen should own a gun? Should the children have been packing?

Shopping malls. Houses of worship. Schools. Cinemas. A mass shooting every other week. Will we become numb to what should be shocking? Is this the price our society has to pay for the Second Amendment?

Last week it was an Oregon shopping mall shooting. This week it is a Connecticut elementary school in the line of fire. Where will the next mass shooting take place as a consequence of American gun violence? Organizations like Mayors Against Illegal Guns and the Brady Center to Prevent Gun Violence are fighting the good fight against the NRA and for stricter gun control measures.

While federally licensed firearms (FLF) dealers are required to conduct background checks on all buyers via the National Instant Criminal Background Check System (NICS), unlicensed private gun dealers are not required to conduct background checks in 33 states if the sale is conducted within the state — and 40 percent of guns are sold through private sellers.

There are federal rules against private sellers repeatedly engaging in selling guns for a profit, which is why many call this loophole the “casual sales exception.” There are also federal rules against unlicensed dealers selling guns to someone they suspect couldn’t pass a background check, although this is often ignored, as an investigation by the City of New York into private online gun sales found that 62 percent of private gun sellers agreed to sell a firearm to a buyer who said they couldn’t pass a background check. The in-state transactions generally occur either via mail or face-to-face in a parking lot after arranging to meet via email or phone.

The NYC Fix Gun Checks Report recommends a federal law requiring background checks on all gun sales, including private sales, making sure the ATF enforces existing gun laws, and encouraging websites to take self-policing steps to stop illegal gun sales.

Here are five of the most dangerous firearms advertised online:

Photo: gunsnews2012 via Flickr

Barrett M82 50-Caliber Sniper Rifle

An NBC News undercover investigation into online gun sales conducted a transaction for this 50-caliber sniper rifle, calling it  “the most powerful gun legally sold in the U.S.: bullet range five miles. It can pierce armored vehicles, even bring down a helicopter.”

The NRA claims 50-caliber sniper rifles have not been used in crimes, but the Violence Policy Center, a nonprofit working to reduce gun violence, refutes that assertion with a long list of criminal activities in which the 50-caliber sniper rifle was the weapon of choice.

(Photo by United States Marine Corps via Wikimedia Commons)

M134 General Electric Minigun

The minigun is one of the most dangerous weapons ever designed, with the capacity to fire up to 166 bullets per second. Amazingly, it is currently legal in the U.S. to own this military-grade machine gun because the Firearm Owners Protection Act of 1986 stated that any fully automatic weapon constructed before that year was legal to own.

(Photo by United States Navy via Wikimedia Commons)

AK-47

Shortly after the Aurora movie theater massacre, President Obama made a gun control speech in New Orleans, in which he said he believes that “a lot of gun owners would agree that AK-47s belong in the hands of soldiers and not in the hands of crooks. They belong on the battlefield of war, not on the streets of our cities.”

(Photo by Flodjy via Wikimedia Commons)

Glock 23 Semi-Automatic Pistol

The Glock semi-automatic handgun is the favorite weapon for mass shooters who want to maximize casualties. The gun was used in the Virginia Tech, Gabby Giffords, Sikh temple, and Aurora massacres.

The Chicago Tribune paraphrased Josh Sugarmann, executive director of the Violence Policy Center, writing that “semi-automatic handguns are the weapon of choice for mass murderers because they are light and easy to conceal, and adaptable to using high-capacity magazines. This allows the shooter to fire the maximum number of bullets in a short period of time.”

(Photo by SoCalBrandon via Wikimedia Commons)

Bushmaster M4 Type Carbine

This deadly assault rifle, used on the battlefields of Iraq and Afghanistan, is perfectly legal to purchase in the United States because the Federal Assault Weapons Ban of 1994 expired in 2004. There have been multiple attempts to renew the assault weapons ban, but there has so far been no progress from Congress or the White House.

Will President Obama make reinstating the assault weapons ban a priority in his second term, along with other gun control measures like closing online loopholes? Perhaps his emotional comments after the horrific gun-related slaughter of 20 children and six adults at Sandy Hook Elementary School in Newtown provides a preview of what’s to come.

“As a country we have been through this too many times. Whether it is an elementary school in Newtown, or a shopping mall in Oregon, or a temple in Wisconsin, or a movie theater in Aurora, or a street corner in Chicago — these neighborhoods are our neighborhoods, and these children are our children. We’re going to have to come together to meaningful action on this, regardless of the politics,” the president said at Friday’s White House press briefing.

Photo: United States Marine Corps via Wikimedia Commons