(BPT) - Resourceful thieves and cybercriminals continue to find new ways to hack U.S. consumers’ sensitive personal information. Dumpster diving, stolen or lost wallets and mail fraud should still be concerns, but the digital age of tablets, smartphones, PCs and Wi-Fi networks leaves people more vulnerable than ever.
Have you ever stored credit card information on your phone for added convenience to make payments in a checkout lane? Do you ever store passwords in apps to transfer funds between accounts? And what’s to keep hackers from accessing a wireless network you check your email on while you’re grabbing a quick cup of coffee?
”More than 15.4 million people a year will experience identity theft, with an average loss of more than $1,000,” said Jane Li, Mercury Insurance’s director of product management. “When one access point closes due to added levels of security, cyberattackers find another. Insurance companies like Mercury provide services that allow homeowners and renters to enjoy the convenience of accessing their connected devices at home and on the go, while also helping to protect customers from the potentially devastating effects of criminal infiltration, cyberextortion and identity theft.”
The following five do’s and don’ts can help stop criminals in their tracks and protect your connected devices, as well as your electronic identity.
Li recommends homeowners and renters speak with their local insurance agent to learn more about the endorsements they may be able to add to existing policies to help safeguard their finances if their identities are compromised or connected devices are attacked.
“It can be daunting to try to regain your financial footing if a criminal takes advantage of you,” said Li. “Insurance exists to help protect consumers from unexpected events and, in this case, it’s better to be safe than sorry.”
There are obvious benefits to shopping online. You can skip the lines and congested parking lots all while taking your time and enjoying the comfort of shopping in your pajamas. One of the biggest draws, however, is the potential money savings. Learn how to make the most of your online shopping and nab the best digital deals with these tips.
How to Get the Best Deals Online
(Family Features) There are obvious benefits to shopping online. You can skip the lines and congested parking lots all while taking your time and enjoying the comfort of shopping in your pajamas. One of the biggest draws, however, is the potential money savings.
Learn how to make the most of your online shopping and nab the best digital deals with these tips:
Subscribe to email lists. In the past, most people avoided email lists like the plague. However, email subscribers get some of the best deals that retailers offer, so if you can tolerate a few more messages in your inbox, it’s a good way to stay in-the-know about sales and promotions.
Combine membership benefits. Many member-based programs are expanding their partnerships with other retailers to offer enhanced benefits. Keeping tabs on the latest offers can ensure you’re maximizing your membership. One example is Woot.com, which features daily deals on items ranging from top tech gadgets to kitchen gizmos to sporting goods, and now offers free shipping for Amazon Prime members. Visit woot.com/prime to learn more.
Seek out discount codes. Whether you subscribe to a site that aggregates codes, rely on a browser extension or even do a manual search, wait to confirm an order until first checking to see if there are any discount codes available. Some retailers make it easier than others by having a code tool built into their checkout screen, but even if they don’t, it can be worth the extra time to verify the current offers.
Check in on daily deals. Many online retailers specialize in daily deals and site-wide offers, which you can explore by visiting the individual sites or, in some cases, registering for notifications. Be aware that many of these deals are available for a limited time and in limited quantities, such as on Woot.com, which launches new deals every 30 minutes on select days. It’s to your advantage to understand how often your favorite sites post new deals and the flash sales they offer. Some of the best ways to stay connected are by subscribing to the site’s newsletter or following the site’s social media channels.
Use your shopping cart. Retailers have become quite sophisticated at monitoring shoppers’ habits and behaviors, and while it may feel a little invasive, it can pay off to your advantage. For example, if you place items in your shopping cart then close out of your browser, it’s possible you’ll receive an email within the next day or two with an offer to incentivize you to complete your purchase.
Take advantage of free shipping. If your purchase isn’t time-sensitive or you have some flexibility, take advantage of free shipping offers. Look for sites that provide free shipping for shoppers, or those that don’t offer free shipping every day but regularly run free shipping promotions. Check shipping thresholds to see when free shipping becomes available (often based on the price of the order) and consider combining purchases to take advantage of free shipping offers.
Once you have a few tricks in place, scoring savings online can be more lucrative and easier than old-school coupon clipping. Combine that with the convenience of shopping from home and you’ve got one smart deal.
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