Holiday shopping
on the Internet By Dana
Dratch Bankrate.com
If Santa is using a mouse, he's
not alone. Consumers will spend $18 billion buying gifts online
this holiday season, up 25 percent from last year, according to
estimates by Forrester Research.
Online shopping is easy. Just point, click and buy.
The Web also offers a variety
of gifts you probably won't find at your local department stores.
From 12 drummers drumming to a partridge in a pear tree, almost
anything you'd want to give this holiday season is for sale on the
World Wide Web.
But smart online shopping (finding the best values
without getting caught up in the Web for hours) takes a little savvy.
Here's a look at some fun gifts you can find online,
as well as some tips on how to save time and money when you purchase
them.
An unusual online gift list
This holiday season you can find something online for almost any
interest or price range.
It's also a lot easier to personalize a gift than
it used to be, says Gary Foreman, who publishes The
Dollar Stretcher. Online, you can find something meaningful
for someone you may not know all that well -- maybe a boss or a
colleague, even if the only personal information you have is where
he went to college or how much she loves golf.
"You can quickly, in 10 to 15 minutes of
searching on that topic, find sites that have information on it
and have the opportunity to give a gift that has meaning for that
individual," says Foreman.
Got a lawyer on your list? Check out For
Counsel, where you can electronically pick up a "Partridge
in a Pear Tree" tie. Mystery fans can find "12 Drummers
Drumming: A Novel of Suspense" at the author's home
page. Not to mention a wide assortment of golden rings (and
other sparkly baubles) at Tiffany
& Co.
You also can gather enough goodies for an entire holiday
feast, from soup (Creamy Butternut Squash at True
Foods Market) to nuts (chocolate-covered from Chocolate
Decadence).
Want to help someone else set the table for the holidays?
Check out Second
Harvest, the Red
Cross or the Salvation
Army.
Now that you've got some ideas on what to put under
the tree (which, by the way, you can order from Artificial-Christmas-Tree.com
with lights already strung), it's time to start buying. To make
sure you don't waste time or money, here's some advice from online-shopping
devotees.
Stick with names you know
"Most of the time I'm going to places I trust," says Chris
Farrell, author of "Right
on the Money!" "There are companies that have reputations
for good service, and the online world is no different." Shop
with those who've treated you well in the past, and you're likely
to get the same good service again.
Use a credit card
"This is one of those times when you put it on the credit card,"
says Farrell. "And then pay it off."
If possible, use the same credit card for all your
online buying. "That way, it's easy to track," says Hillary
Mendelsohn, author of "thepurplebook:
The Definitive Guide to Exceptional Online Shopping."
If your chosen card offers online discounts, all the
better. Banks are teaming up with e-tailers on promotional deals.
Check your credit card's Web site to see if it offers discounts
at your favorite online stores. Look in "member benefits"
or a similarly named section.
Practice safe shopping
Make sure you are buying from a secure site. The clues: the Internet
address begins with "https" or your own browser displays
a lock symbol. "If you're a Windows user, make sure you do
all of the updates that Microsoft issues," says Barbara Kasser,
author of "2005
Online Shopping Directory for Dummies."
Never give out any personal information other than
your billing or shipping address. It's unlikely anyone will ask,
but just so you know: No e-tailer needs your Social Security or
bank account numbers, says Mendelsohn. If you ever get e-mail asking
to confirm orders and requesting this information, it's bogus.
Even with a secured site, there are times that e-shopping
can make you more vulnerable to spam, pop-ups and other computer
unpleasantries. And when you visit a new site for the first time,
the biggest danger is "that you'll end up with something that
you have to clean off your computer," says Robert Krughoff,
president of Consumers' Checkbook, a nonprofit consumer magazine.
If you plan to do a lot of online shopping at several
sites, redirect any potential spam it might produce. Instead of
using your regular e-mail address, Kasser suggests you set up a
free e-mail account (at Yahoo, HotMail, etc.) for use only in shopping
and corresponding with e-tailers. "Not every merchant is going
to use your address and share your address, but some will."
Play e-tailers against retailers
Smart shoppers look at the prices of the same product online and
in regular stores, says Mark Oleson, director of the University
of Missouri Office for Financial Success. "Go to your favorite
store and see what they are charging, then try to find the item
online and compare prices." The winner: Whoever offers the
best deal -- and you.
Look at purchase totals
"A lot of Web sites have a lower price to lure you in, but
balance it out with higher shipping," says Michael Miller,
author of the "Bargain
Hunter's Secrets to Online Shopping." Make the prices you're
comparing include everything you need.
And realize that the lowest price isn't always the
best deal. "Things other than price matter," says Miller.
Look at how quickly the e-tailer can deliver the product, the online
merchant's reliability, what kind of return policy the Web store
has and how easy the site makes the shopping experience.
Direct ship
Make things easy for yourself. If you let an e-tailer ship the gift
directly to your loved one, it's OK if it doesn't have fancy gift
wrapping, says The Dollar Stretcher's Foreman. "The fact that
it comes in a brown box is all right."
The idea is to celebrate and enjoy the season, not
run yourself ragged, he says. Consumers are using the convenience
of the Internet, and if things are a little less formal, Foreman
says, that's OK.
Look for a phone number
If a Web site doesn't list a phone number, leave. Mendelsohn says
the omission means you can't easily call if you need help, either
during the ordering process or after it's completed. Sites without
contact numbers, she says, "don't really want to deliver good
customer service."
Talk back, both during and after
shopping
Ask for what you need. If the site doesn't offer something you want,
such as free shipping or gift wrapping, e-mail or call to find out
if you can get it. "The worst they can say is, 'We don't do
that,'" says Mendelsohn. "But usually they'll accommodate
you."
If you encounter problems, don't be afraid to complain.
Kasser remembers buying some salmon from an online merchant; it
was so good, she ordered some for her mother-in-law. But something
went wrong with the dry ice during shipping and by the time it arrived,
"It was awful," Kasser says. "Fortunately, I was
able to call the merchant, and he sent another one."
Build a paper trail
Keep copies of the transaction information to document your purchase,
from confirmation slips and receipts, to shipping information and
even product descriptions, says Farrell.
Mendelsohn's tip: Print a copy of your order form
before you hit the "buy" or "submit" button.
That will give you the details of your purchase, complete with sizes,
colors, specs, shipping methods, etc. "It's a great way of
always having a record of what you've purchased," she says.
Many times buyers simply get a confirmation number, "which
won't have any pertinent information," she says.
Plan for many happy returns
Returning is part of shopping, regardless of whether you buy e-tail
or retail, so choose online merchants who make it easy. Look for
a site's return policies in its FAQs or with customer-service information,
says Mendelsohn.
Beware of "restocking fees." They're arbitrary
charges that basically punish consumers for returning things.
Give extra points to retailers who let you return
online orders to their brick-and-mortar locations. Otherwise, says
Farrell, "You get into this whole nightmare of mailing."
Dana Dratch is a freelance writer
based in Atlanta.
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