Some apartment buildings have doormen, concierges or package rooms for secure package delivery. Or it might mean figuring out how to keep your online package from being stolen after it is delivered to your home. This might mean figuring out the Cal Tech level geometry that’ll get that play-kitchen into your Mustang. Whether you’re shopping brick-and-mortar or online, you have to remember the back end of shopping - how do you get what you bought not to your home, but actually inside your home? So if you get a phone call saying it’s the IRS, Social Security or some collection agency and they say you need to make a payment now and they’ll accept a gift card, they’re fraudsters. Oh, and here’s another tip - no government agency or creditor will accept payment via a gift card. “If the retailer closes or declares bankruptcy, the recipient may not be able enjoy the card’s value.” “Consider the retailer’s financial situation before buying a gift card,” the Florida Attorney General’s office says. Or just satisfies quick presents to teachers, office staff or building staff. Gift cards: Popular when you don’t know what to buy someone ,but know they like this store or that restaurant. In the case of a successful dispute, however, the amount gets credited to your credit card account faster than the cash goes back into the bank account linked to your debit card. Pay with cards: Both credit cards and debit cards tend to have fraud protection and give you powers to dispute a charge. Stay sharp, folks! #CyberMonday /t7HE7P33SP and scammers trying to snatch your personal info! Don't gift-wrap your data for them! Be stingy with the details, not your presents. Are you being signed up for more purchases to be billed on auto pay? Is the company asking for personal identification information? No retailer really needs your Social Security number or driver’s license.ĭon’t play these games if you value your personal information. Great bargains are out there, as retailers either try to unload less-popular stock or just suck you in with loss leaders (sales on which they lose money but hope get you in the door for more profitable purchases). Bet that the 50% discount will be offered again, probably advertised with another faux deadline designed to scare you into making a panic buy. Their deadline doesn’t change whether or not you’re ready to buy.Īlso, Black Friday or Cyber Monday deals often get resurrected during what’s become Discount December. But haste makes waste of your hard-earned cash. If you know you want that item, know it’s a good bargain and are economically ready to press the Order button, hit it. “In the address bar, a padlock should appear to signify that your session is secure.”ĭon’t fall for time pressure: “BUY BEFORE 10 PM WEDNESDAY AND GET 50% OFF!” Before you rearrange the schedule and your money so you can take advantage of this bargain, step away from the keyboard. “When ordering online, ensure that the web browser has a secure connection before inputting or submitting payment information,” the 2023 Holiday Consumer Protection Guide from the Office of Florida Attorney General Ashley Moody says. READ MORE: Here’s why three styles of $1,000 women’s high-heeled footwear have been recalled Yelp, Google and Amazon reviews can be manipulated.Īlso, check for product recalls from the U.S. Remember, a company’s social media posts really are just advertisements for the business. Search court records where the business is based for any lawsuits. Don’t avoid lower-profile, less-established companies just because they’re not giant retail institutions.Ĭheck with the Better Business Bureau for complaints. Walmart wasn’t born an ubiquitous chain of megastores. All Rights Reserved.Check companies and websites: Amazon used to sell just books. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2019 and/or its affiliates. Standard & Poor's and S&P are registered trademarks of Standard & Poor's Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. Factset: FactSet Research Systems Inc.2019. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes.
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