Online Leather Products

With just few days left to welcome 2011, let’s see the latest online shopping trends evolved in the present year 2010. In the midst of economic meltdown, the only thing that stood out this year is online shopping which has been the saving grace of this recession. Since internet has become accessible by regular consumers and people get faster internet connections, online shopping has increased in 2010 when compared to last year. Hence many companies, dealers have improved their online shopping to serve the customers. A survey from Burst Media shows that 85% of people spent their money online this Christmas season. Another study says that 50% of web users around the world are active online shoppers.

An indoor garden makes a wonderful Christmas gift this year. You will enjoy looking through the many beautiful choices we have available, from starter kits to additional seed kits. It’s the ideal gift which doesn’t require the constant attention than a regular garden would. You don’t have to worry about forgetting when its time to water or add nutrients to the garden, as it has an automatic reminder telling you.
The hydroponic technology requires you to only add water and nutrients, the system has its own lights which regulate how much the plants need and turn on and off when necessary.
It’s a great gift for the green thumb that does not have the appropriate light as well as time to take care of plants at home.
With Christmas coming upon us quickly its easy to get overwhelmed with the long shopping lists, its understandable that you want to find the perfect innovative gift which will make an impression.

Innovative Shopping Rules:

Those shopping for prepaid gift cards this holiday season will do so with a recent law that makes the use of such cards less frustrating.

Not long ago, many of these popular one-size-fits-all presents were subject to periodic service fees, such as inactivity charges and transaction fees. Some had expiration dates that recipients thought were unfairly early. There was no standard rule governing them.

But as of Aug. 22, when the federal Credit Card Act of 2009 took effect, that all changed.

The new law limits fees and extends expiration dates. It targets gift cards with a Visa, American Express, MasterCard and Discover brand logo, those cards that typically included fees and expiration dates. But the law also applies to store gift cards, though they rarely incurred fees.

The act makes using the cards more consumer-friendly, said Jennifer Tramontana, spokeswoman for the Network Branded Prepaid Card Association, an industry organization based in New Jersey.

Here's a look at what the law means to you.

-Fees

Before: If you misplaced a card and found it months later or if you postponed using it till you found the perfect new outfit, much of the funds may have been depleted due to lack of use. Even if you used the card periodically but didn't spend the full amount, service fees likely were subtracted from the funds, leaving a smaller balance than you expected.

Now: Under the new rules, no service fees can be charged until the card has been inactive for 12 months. After that period, the card can be charged only one fee a month.

- Expiration dates

Before: If you misplaced your gift card, it could have expired by the time you found it.

Now: These cards are good for at least five years from date of purchase or at least five years from the date you last added money to it.

- Replacement cards

If you lose your card, you can get a free replacement. Also, if the card's expiration date has passed but it contains unspent money, you can request a replacement at no cost. You must have registered the card to get a replacement.

- Disclosures

All fees and expiration dates have to be disclosed on the card or its packaging. Additionally, a toll-free number and website, for questions and to check balances, must be included on the cards.

- Exceptions

The new rules apply only to prepaid store gift cards (to be used at a certain retailer) and Visa, American Express, MasterCard and Discover gift cards. They do not apply to other types of prepaid cards, including those used as a checking-account or debit-card substitute. Gift cards given as a promotion or reward, such as a restaurant gift card given as a promotion for test-driving a car, are excluded.
User habits vary

The new law is good news to Mesa resident Nicole Cardwell, who said she previously avoided buying Visa or MasterCard gift cards because of all the potential fees. She had once misplaced a gift card; when she finally found it, inactivity charges had reduced the balance.

Online Shopping Tips:

• Protect your computer. Install the most recent updates for spam filters, anti-virus and anti-spyware software and a secure firewall;

• Shop on trustworthy Web sites. Check on sellers’ reputations and records for customer satisfaction at the BBB Web site. Always look for BBB seals and other widely-recognized trust marks on retailer Web sites and click on seals to confirm they are valid;

• Protect your personal information. Read the site’s privacy policy and understand what personal information is being requested and how it will be used. If one isn’t posted, it should be taken as a red flag that personal information may be sold to others without permission;

• Beware of deals sounding too-good-to-be-true. Offers on Web sites and in unsolicited e-mails can often sound too-good-to-be-true, especially extremely low prices on hard-to-get items. Trust your instincts and do not be afraid to pass up a deal that might cost you in the end;

• Beware of phishing. Legitimate businesses do not send e-mails claiming problems with orders or accounts to lure you into revealing financial information. If you receive such an e-mail, call the company’s contact number on the Web site where the purchase was made to confirm there really is a problem with the transaction;

• Confirm online purchases are secure. Look in the address box for the “s” in https:// and the lower-right corner for the lock symbol before paying. If there are any doubts about a site, right-click anywhere on the page and select “Properties” to see the real URL (Web site address) and the dialog box will reveal if the site isn’t encrypted;

• Pay with a credit card. It’s best to use a credit card, because under federal law, you can dispute charges if you don’t receive the item. You also have dispute rights if there are unauthorized charges on your credit card, and many card issuers have zero liability policies under which you pay nothing if someone steals your credit card number and uses it. Never wire money and only shop locally on sites like Craigslist;

• Keep documentation of orders. After completing the online order process, there may be a final confirmation page or you might receive confirmation by e-mail. Save a copy of the Web page and any e-mails for future reference and as a record of the purchase;

• Check credit card statements often. Don’t wait for paper statements; check your credit card statements for suspicious activity by either calling credit card companies or checking statements online regularly; and

• Know your rights. Federal law requires orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If goods aren’t shipped on time, you can cancel and demand a refund. There is no general three-day cancellation right, but you have the right to reject merchandise if it was defective or was misrepresented. Otherwise, the company’s policies determine if you can cancel the purchase and receive a refund or credit.


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Shopping News: On Monday, Mrs. Obama was very busy in shopping at Delhi for upcoming occasions. She was actually planned to shop for 1 hour but the beauty of Indian Handicrafts has made her to extent the time for one more hour. So totally for two hours she was very busy in picking up the gifts for her beloved ones at New Delhi’s sun-dappled crafts museum.

Lady of powerful nation was really found very hard to oppose the acceptance of the beauty of the Indian Handicrafts. When the time of billing the purchase amount has crossed Rs.80,000 which includes paintings, bed spreads, etc. for Christmas. Also she bought various decorated greetings, keychains and idols from Bengal stall and also she took some embroidered textiles which praises the speciality of northeastern India.

Online shopping has become more and more popular now, apart from the ease and freedom it brings to consumers, the major benefit is that we can enjoy more discount than shopping in the real stores. But, we should affix some awareness to the discount while placing an order.

For several online shoppers, it is really an excitement for huge discount on some products. What should be reminded is that the discount supplies may be just a way of advertising and promoting their new brand product. If you do think it is unnecessary for you, then just give-up your choice and look for other merchandises.

Online shopping is the one of most convenient and easiest way to get your purchase done sitting from home. But at the same time it also one of the serious issue to be considered while doing you’re online money transactions. So just always think that you do safety online shopping.

How to decrease online fraud Not Present (CNP) transactions

For the past several years, shopping online has become more convenient that most consumers do prefer.

Online merchants want a solution for fraudulent transactions so that they both convenient to consumers and reduce the risk on money transfer. By using 3-D Secure Authentication programs offered by Visa, MasterCard, and JCB to reduce danger, but don’t want to swamp down the customer with added security.

These card issuers are seeking to decrease fake transactions while increasing the use of cards for online shopping. Further authentication and verification using the Verified by Visa, MasterCard Secure Code, or JCB J/Secure programs is needed to make sure that an unauthorized user is not using your card holder’s account records for theft of supplies and services.

So users make use of these services from several informative websites. Also be cautions from these online scammers who is ready to vanish your account balance.

Enjoy your online shopping safely and smartly !!!

We steadily fall in love with shopping online, not only because it’s convenience but also cheap price it has brought to us. Though, we do prefer shopping online, we should pay attention to the details of bargaining and after-sale service. So, these following aspects will provide you a detailed view:

Shopping online can be amazing. There's an implicit world of selections when it comes to the supplies and services that you may need such as electronics and ornaments and they are all available at the rate of your mouse.

Still, there are many things to consider before we opt for shopping online; while we may not like to think about it, there are many scammers on the internet just waiting to take your hard-earned money.

Let the first and primary thing which, you need to make sure is that the transaction that you will be performing is done under the extreme inspection when it comes to safety. In general while placing an online order, you send your credit card number through a host of lines and circuits. To be confident that you are doing a safe transaction, you need to make sure that the online retailer use SSL technology to encrypt the data. This SSL technology is providing a check at the bottom corner of your web browser for a lock icon. This is one of the ways to your web browser's to inform you that the transaction will be a safe one. If you’re not confident giving your numbers over online, then no issues many retailers suggest an option to call by phone to place an order.

Also one more important thing to consider is that the seller is a trustworthy one or not. To make sure that the business is on good terms when it comes to customer service, you may want to check their status with the Better Business Bureau. If they seem to be straddled with a number of complaints, it may be in your best interests to avoid doing business with the company.

Last, but definitely not least, is reading the fine print. Many online scammers employ the use of fine print to tie you to some sort of agreement which you were not planning on. This may include extending a subscription fee, or issuing a cancellation fee should you decide to no longer need the business' services. Also, you may want to consider what the company's return policy is when it comes to merchandise purchases. Knowing exactly what you are getting into when performing a transaction is of the utmost importance when it comes to keeping your money safe online.

Online shopping has made our lives easier in more than the way we touch our routine life as well. Want to know the reason why do people prefer online shopping and its advantages of online shopping discussed below: