Tips For Avoiding Scams, Fraudulent Charges While Shopping Online

Many Americans have turned to online shopping in recent years. This option provides convenience and some good deals on holiday gifts. However, there are ways that people can be scammed and incur fraudulent charges while shopping online. This could potentially force families to dip into their emergency funds.

Here are some tips on how to stay safe while shopping online, according to U.S. News, Solidcashsolutions Llc. Bad Credit Loans & World Report.

Avoid Fishy-Looking Websites
Although it may be difficult to spot a website that isn’t legitimate, there are some red flags to look for. Some warning signs are poor design, a strange web address and multiple pop-up windows that don’t close. As soon as these signs are apparent, people should stop shopping and close the website and browser immediately to avoid any scams or fraudulent charges.

Only Shop On Secure Sites
Another way to avoid online shopping scams is to only shop on secured websites. When looking at the page’s web address, make sure it has “https” and not just “http.” The extras “s” at the end lets you know that web page is secure and safe to shop on.

Use Automatic Identity-Theft Protection On Your Credit Card
Using cash or a debit card when holiday shopping may be a better financial decision. But using a credit card allows people to take advantage of the automatic identity-theft protecting that comes with many cards. After shopping, any charges that the person did not cause themselves can be challenged and investigated by the credit card company.

Credit card companies are required to allow consumers to challenge transactions. There is a time limit on when a transaction can be challenged, though. This means that people should check their statements periodically.

Avoid Sites That Make You Act Quickly
According to the FBI’s Internet Crime Complaint Center, consumers should avoid any sites that ask them to act quickly to make a purchase. In all likelihood, this means that the website is a scam. Many fraudulent sites create a sense of urgency to make consumers act impulsively.

Check Seller’s Ratings On Online Auction Sites
Before committing to purchase something on an online auction site consumers should check the seller’s ratings and feedback. This will give them a good idea as to whether or not the seller is legitimate.

Ensuring A Successful Job Interview

Not only will having a good job contribute to your financial stability, but you may be able to qualify for cash loans now if you ever face an unexpected bill you can’t afford.

One of the most important parts of landing a position is how you perform during the interview. Even some of the most well-spoken individuals can have difficulty with this step, since every interview can be different. While there is no one correct way to handle questions during an interview, MSN Careers has some advice on determining how to best answer them.

Figure Out Your Career Plan
Many people start their job search due to unpleasantries in their current workplace and other sudden life occurrences. This can give them little time to determine some of their long-terms goals when looking for a new job.

A common question during an interview is, “Where do you see yourself in five years?” And having a quick, well rehearsed response is important. While you may not know exactly when you want to do later on down the road, making it seem like you do could make an employers see you as a driven and organized individual.

Do Your Homework
While some companies may seem similar, no two are exactly alike. With this in mind, you need to conduct research on a company before you go in for an interview. This includes everything from its history to the people in charge.

With this knowledge, you will be able to formulate concise questions during the interview that make it seem like you care. In addition, when the interviewer outlines the day-to-day activities of the position, this will give you better idea of exactly what your role will be.

Further, if you have extensive knowledge about the company, you can give clear answers on how your skills with help the organization.

Dress To Impress
You may not want to work at a company where you need to wear a suit and tie everyday, but you should show up to an interview dressed like this anyway. Whether you are a man or a woman, business formal is a must during the interview process, even if the interviewer is wearing sweatpants.

However, don’t worry about breaking the bank and buying expensive clothes to flaunt fancy labels. As long as you look put together, this should be enough for the company.

Be Courteous and Respectful
Once you step foot onto the property of the company, make sure to be courteous and respectful to everyone you come across. Hold the door, offer to help someone carry a load or push the elevator button for someone. You never know if one of these people is the interviewer or an important figure at the company, and first impressions can be everything.

Once you’re in the lobby or waiting room, if the company has a receptionist, be on your best behavior. Small actions, such as playing on your cellphone can rub people the wrong way, so stay conscious about what you’re doing and how it might be perceived by others.