Shop Without the Drop
We're guessing that you don't like to have money taken from you. If that's true, you'll want to know how to avoid phishing sites. It can be harder than you think. Phishing Web sites mimic the look and feel of legitimate Web sites, in order to trick people into disclosing their money, social security numbers, and other important information. However, a few simple steps will help you avoid these sketchy sites and keep your money for yourself.
- Use a phishing filter in your Internet browser. If you're using Internet Explorer 7, all you have to do is turn the filter on. If you're using a browser without a built-in filter, look into downloading an anti-phishing filter from Windows Live, eBay, or another reputable site.
- Buy from Web sites you know. If you don't know whether a Web site is reputable, check out www.consumer.gov or bbbonline.com for a list of reputable dealers. Another good tactic is to call the service to place your order. That way you can be sure they're legit.
- Always look closely at the Web page for clues regarding the security and legitimacy of the Web site. In many Internet browsers, a picture of an unbroken key or lock at the bottom of the browser window signals a secure site. Also, check the URL for Web security. For example, a URL address that begins with https, rather than http, signals a secure site.
- Make sure you don't give unnecessary information. Does a company really need your social security number to sell you a CD? Be careful of sites that ask for too much info.
- Don't follow a link sent in an e-mail. Even if your friend sends you a link, it could still be dangerous. Instead, type the link into a search engine like Google, Yahoo, or Windows Live to check out where it leads.
- Read the fine print. Even though this is annoying, it's a good safety precaution and informs you about what the business will do with your personal information or in case the shopping transaction doesn't go through correctly.
- Put debit cards away and pay with a credit card. If someone takes your credit card number and buys a yacht, your liability under federal law is limited to $50. If someone has direct access to your bank account, they can drain your account using your debit card.
- It doesn't hurt to print out the receipts and terms of use when you buy. It's an easy way to help protect yourself if there are problems.
The most important rule is to trust your instincts. It sounds simple, but some of the most effective scams are easy to avoid. When your common sense tells a deal is too good to be true, listen to common sense.
