The following are 10 tips on how to choose a reputable online retailer and protect yourself when purchasing online:

1. You should be able to contact the retailer through a variety of methods, including e-mail, telephone, and live interactive chat.

2. The retailer should prominently display customer service options throughout their Web site so you have no difficulty finding them.

3. You should expect responsive and prompt replies from your retailer regardless of how you contact the.

4. The customer service agent should be knowledgeable and equipped to answer your questions.

5. Steer clear of new companies. If a company is new, chances are they’re still working out the kinks at your expense.

6. Look carefully at legal disclaimers. Some say they have the right to take up to 3 weeks to notify you if they’re out of stock, which could make yo 3 weeks late on your project.

7. Beware of early billing. Some stores invoice you before you receive the merchandise. Make sure your credit card is charged at the same time the produce is shipped and not before. And if you get a second invoice before you get the item, cancel the order.

8. Pay by credit card instead of debit card or check. Using a credit card provides more legal protection if a dispute arises.

9. Read the warranty before buying an item, and check for limits on the company’s liability if something goes wrong with the item.

10. Make a printout of the Web page, the item being purchased, the warranty, and any messages between you and the seller.

As you surf the Net, just remember that to avoid the tidal waves, you must be on guard and not be cradled into a false sense of security. Let wisdom and prudence guide you, and you’ll avoid meeting cyber sharks in cyberspace.

The above tips came from the helpful book, “How to Save Money Every Day” from the author of “Shop, Save, and Share” Ellie Kay, published by Bethany House www.bethanyhouse.com. Ellie Kay first gained fame by teaching families everywhere how to painlessly save a lot of money each week on groceries and household supplies—and have a bounty to share. Now, with her signature humor and practical creativity, she reveals simple ways to save money each and every day!

As Dennis Rainey, the Executive Director of Family Life says of Ellie, “What can I say? Ellie Kay’s the Coupon Queen of the world! Actually Ellie’s ministry is one of the great services to families across our nation. I applaud her in helping all of us be better stewards.” You can also read more about her on her website at www.elliekay.com.

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