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Transcript of Online Shopping
Online Shopping
Take Charge of Your Finances 1.3.2
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 2Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
What Does Online Shopping Offer?
What goods and services are available online? Jewelry Pizza Movies Concert tickets House cleaning services Computers Transportation services The list goes on…
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 3Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Positive aspects of online shopping
Prices may be compared for the following: Actual product price Shipping and handling Travel expenses
Conveniences may include: Hours Location
Variety of goods and services are available
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 4Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Negative aspects of online shopping
Tangible Pictures may be deceiving
Little if any contact with the merchant More personal information provided
Often a credit card is required to make a purchase
A consumer is responsible for tracking purchases
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 5Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Unsafe purchasing methods Personal checks, debit cards not affiliated with
credit card companies, money orders, and wire transfers.
Safe purchasing methods include: Using a debit card that is affiliated with credit card
companies Using a credit card
Purchasing methods
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 6Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Making safe online purchases
When making safe online purchases it is important to remember safety tips regarding the following: Passwords Website indicators Consumer protection from the Better
Business Bureau, the Fair Credit Billing Act, and the Federal Trade Commission
Products such as anti-virus software
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 7Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Passwords
Create a password using a combination of letters and numbers unique to you Avoid using bizarre character combinations
3XJ2%&6JK
Change on a regular basis Minimum 90 days
Keep In Secure Place Out of sight and in a location that is easy to
remember.
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 8Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Web browser Look for “https” and a closed lock
The “s” stands for secure
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 9Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Better Business Bureau
Better Business Bureau Helps to determine the reliability of a
company If you are questioning the reliability of a
company go directly to the BBB website for assistance This lock is displayed on
websites that are secure and approved by the better business bureau
This lock is displayed on websites that are approved especially for kids
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 10Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Online shopping tips
Fair Credit Billing Act Protects the consumer from unauthorized
purchases using a credit card. Online payment service
A third party to help protect the buyer and seller
Credit card and bank statements Review statements for unauthorized
charges
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 11Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Online shopping tips
Federal Trade Commission Specializes in consumer protection
Anti virus software Will help to protect your computer and
personal files against computer viruses.
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 12Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Internet auctions
Examples of online auction sites include: Ebay Yahoo Auction uBid
How do they work? Create a user name and password to participate
Bidding Highest bid is able to purchase the product
Reserve price The set price that the seller has established. If a
buyer does not bid above the reserve price, the seller will not release the product.
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 13Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Phishing
A type of internet fraud Pop Up messages and E-mail What do “phishers” want?
Personal information including Social security number Drivers license number
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 14Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Review
Positive aspects of shopping online Negative aspects of shopping online Passwords Online shopping tips Internet auctions Phishing
Any Questions?
© Family Economics & Financial Education –April 2008 – Consumer Protection Unit – Online Shopping – Slide 16Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The
University of Arizona
1.3.2.G1
Resources 1. Better Business Bureau - Shopping Safely Online http://www.bbb.org/alerts/article.asp?ID=4352. On Guard Online- Your Safety Net http://www.onguardonline.gov/stopthinkclick.html3. Computer and Internet Use In the United States: 2003 http://www.census.gov/prod/2005pubs/p23-208.pdf4. Federal Trade Commissions - Internet Auctions, A Guide For Buyers and
Sellers http://www.ftc.gov/bcp/conline/pubs/online/auctions.shtm5. Statistics: Us Online Shoppers http://www.shop.org/learn/stats_intshop_general.asp6. Picture of secure websitehttp://www.lloydstsb.com/media/lloydstsb2004/other_images/
securityscreen_480x550_4.gif7. Picture of debit card www.offshore-manual.com/images/cirrusmaestro.jpg&imgrefurl8. Picture of credit card logoswww.thelodgestudios.com/images/CreditCardLogo