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Shop Safe Online: I Wish I Knew These 12 Tips Earlier

Shop Safe Online: I Wish I Knew These 12 Tips Earlier

There is still a segment of the population that refuses to buy anything online because they are afraid of exposing their financial information to thieves. However, if the recent credit and debit card breach at Target stores taught us anything, it’s that going inside a store to swipe your card doesn’t mean your data is necessarily any safer.

Meanwhile, some of the top products purchased by those who do cluelessly take the plunge and then later regret buying online include cars, used items, clothing, jewelry, furniture, makeup, commemorative coins, big-ticket items, TVs and even human hair weaves.

And yes, while some items should never be purchased online – like illegal drugs and such – that doesn’t mean consumers should give up buying online. Just follow these 12 tips to help you shop safely online:

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1. Shop only on trusted and secure websites.

It should come as a given, but chances are you’re better off turning over your credit or debit card number to a well known website like Amazon instead of a shady-looking, fly-by-night e-store that has been recently set up without secure shopping features.

2. Use the sizing chart provided when shopping for clothes.

Instead of assuming you’d probably fit a size “medium” item of clothing, dig deeper into the annals of the website to determine whether their “medium” fits a waist size of 29 inches and a bust size of 36 inches. Measure yourself to see how the site’s sizing compares to your body in order to help prevent returns.

3. Closely examine the refund policy.

Speaking of returning items, you want to stick with websites whose return policy is as liberal as Amazon or Zappo’s, online retailing giants who are known to put the customer first in many ways. Make sure you’ll be able to send back the item you’ve purchased if you’re not satisfied for any reason and immediately get your money credited back to you.

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4. Perform price comparisons first.

Even online stores like Walmart.com allow third-party sellers to sell goods for jacked-up prices through their site, in many instances at higher rates that allow the sellers to clear a profit. A bit more research might allow you to find the same item for much less by cutting out the middleman.

5. Use your credit card instead of your debit card.

Unfortunately, if you do run into a fraudulent retailer and have used a debit card attached directly to your checking account, the thieves might be able to make off with monies taken out of your account prior to you catching the transaction. Using your credit card can act as a buffer zone to give time to find the transaction and have it reversed or the card canceled.

6. Check your bank activity daily.

Speaking of stolen transactions, sometimes what’s done outside of your online shopping can help you more so than any of the other tips. Only by checking the activity of my card did I find a fraudulent transaction charged to Walmart that I didn’t make, and I was able to immediately cancel the card and get a new one.

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7. Think twice about storing your credit and debit card information online.

Yes, it’s very convenient to save our credit and debit card profiles with various retailers on the web to make future shopping trips go faster, but keeping fewer profiles like these lessens the chance of the entire file being hacked and stolen with your info exposed therein.

8. Read customer reviews.

Feedback from other customers can be very valuable in teaching you what other shoppers had to go through when making their own purchases. If there are plenty of complaints about missing products or bait-and-switch type tactics, steer clear.

9. Beware of the links.

There are times when Google will warn you that “this site may harm your computer” or you can spy out clues that a website is trying to redirect you to a nefarious website. Stay aware and keep away from sites that try to take you into unfamiliar territory when buying online.

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10. Consider offline word-of-mouth.

If you’re not accustomed to shopping online, follow the advice of real-world friends to help you determine the positive experiences they’ve had with various websites.

11. Never send cash.

It sounds crazy, yes, but there are plenty of hucksters out there who attempt to get newbies to wire cash in exchange for products, services or schemes that are nothing but frauds.

12. Keep all of your receipts.

Most websites will provide users with confirmation numbers, transaction numbers and e-mailed receipts directly after a purchase is made. Make sure to take a screenshot of your order success page, print out any confirmations and save all e-mailed receipts in case you ever need proof of your online purchases.

When it flows effortlessly and securely, shopping on the net can be a big blessing. After all, there are times when you might seek out embarrassing personal care products that you don’t necessarily want to tromp down to your cute local pharmacist to purchase. Also, if you are busy, it’s easier to just jump online and have things shipped straight to your house. Thank God for the Internet! Shop safe online and take advantage of the trend that’s here to stay.

Featured photo credit: Businesswoman pressing promotion and shipping type of modern buttons / ra2studio via bigstockphoto.com

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Published on November 8, 2018

How to Answer the Tough Question: What are Your Salary Requirements?

How to Answer the Tough Question: What are Your Salary Requirements?

After a few months of hard work and dozens of phone calls later, you finally land a job opportunity.

But then, you’re asked about your salary requirements and your mind goes blank. So, you offer a lower salary believing this will increase your odds at getting hired.

Unfortunately, this is the wrong approach.

Your salary requirements can make or break your odds at getting hired. But only if you’re not prepared.

Ask for a salary too high with no room for negotiation and your potential employer will not be able to afford you. Aim too low and employers will perceive as you offering low value. The trick is to aim as high as possible while keeping both parties feel happy.

Of course, you can’t command a high price without bringing value.

The good news is that learning how to be a high-value employee is possible. You have to work on the right tasks to grow in the right areas. Here are a few tactics to negotiate your salary requirements with confidence.

1. Hack time to accomplish more than most

Do you want to get paid well for your hard work? Of course you do. I hate to break it to you, but so do most people.

With so much competition, this won’t be an easy task to achieve. That’s why you need to become a pro at time management.

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Do you know how much free time you have? Not the free time during your lunch break or after you’ve finished working at your day job. Rather, the free time when you’re looking at your phone or watching your favorite TV show.

Data from 2017 shows that Americans spend roughly 3 hours watching TV. This is time poorly spent if you’re not happy with your current lifestyle. Instead, focus on working on your goals whenever you have free time.

For example, if your commute to/from work is 1 hour, listen to an educational Podcast. If your lunch break is 30 minutes, read for 10 to 15 minutes. And if you have a busy life with only 30–60 minutes to spare after work, use this time to work on your personal goals.

Create a morning routine that will set you up for success every day. Start waking up 1 to 2 hours earlier to have more time to work on your most important tasks. Use tools like ATracker to break down which activities you’re spending the most time in.

It won’t be easy to analyze your entire day, so set boundaries. For example, if you have 4 hours of free time each day, spend at least 2 of these hours working on important tasks.

2. Set your own boundaries

Having a successful career isn’t always about the money. According to Gallup, about 70% of employees aren’t satisfied with their current jobs.[1]

Earning more money isn’t a bad thing, but choosing a higher salary over the traits that are the most important to you is. For example, if you enjoy spending time with your family, reject job offers requiring a lot of travel.

Here are some important traits to consider:

  • Work and life balance – The last thing you’d want is a job that forces you to work 60+ hours each week. Unless this is the type of environment you’d want. Understand how your potential employer emphasizes work/life balance.
  • Self-development opportunities – Having the option to grow within your company is important. Once you learn how to do your tasks well, you’ll start becoming less engaged. Choose a company that encourages employee growth.
  • Company culture – The stereotypical cubicle job where one feels miserable doesn’t have to be your fate. Not all companies are equal in culture. Take, for example, Google, who invests heavily in keeping their employees happy.[2]

These are some of the most important traits to look for in a company, but there are others. Make it your mission to rank which traits are important to you. This way you’ll stop applying to the wrong companies and stay focused on what matters to you more.

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3. Continuously invest in yourself

Investing in yourself is the best investment you can make. Cliche I know, but true nonetheless.

You’ll grow as a person and gain confidence with the value you’ll be able to bring to others. Investing in yourself doesn’t have to be expensive. For example, you can read books to expand your knowledge in different fields.

Don’t get stuck into the habit of reading without a purpose. Instead, choose books that will help you expand in a field you’re looking to grow. At the same time, don’t limit yourself to reading books in one subject–create a healthy balance.

Podcasts are also a great medium to learn new subjects from experts in different fields. The best part is they’re free and you can consume them on your commute to/from work.

Paid education makes sense if you have little to no debt. If you decide to go back to school, be sure to apply for scholarships and grants to have the least amount of debt. Regardless of which route you take to make it a habit to grow every day.

It won’t be easy, but this will work to your advantage. Most people won’t spend most of their free time investing in themselves. This will allow you to grow faster than most, and stand out from your competition.

4. Document the value you bring

Resumes are a common way companies filter employees through the hiring process. Here’s the big secret: It’s not the only way you can showcase your skills.

To request for a higher salary than most, you have to do what most are unwilling to do. Since you’re already investing in yourself, make it a habit to showcase your skills online.

A great way to do this is to create your own website. Pick your first and last name as your domain name. If this domain is already taken, get creative and choose one that makes sense.

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Here are some ideas:

  • joesmith.com
  • joeasmith.com
  • joesmithprojects.com

Nowadays, building a website is easy. Once you have your website setup, begin producing content. For example, if you a developer you can post the applications you’re building.

During your interviews, you’ll have an online reference to showcase your accomplishments. You can use your accomplishments to justify your salary requirements. Since most people don’t do this, you’ll have a higher chance of employers accepting your offer

5. Hide your salary requirements

Avoid giving you salary requirements early in the interview process.

But if you get asked early, deflect this question in a non-defensive manner. Explain to the employer that you’d like to understand your role better first. They’ll most likely agree with you; but if they don’t, give them a range.

The truth is great employers are more concerned about your skills and the value you bring to the company. They understand that a great employee is an investment, able to earn them more than their salary.

Remember that a job interview isn’t only for the employer, it’s also for you. If the employer is more interested in your salary requirements, this may not be a good sign. Use this question to gauge if the company you’re interviewing is worth working for.

6. Do just enough research

Research average salary compensation in your industry, then wing it.

Use tools like Glassdoor to research the average salary compensation for your industry. Then leverage LinkedIn’s company data that’s provided with its Pro membership. You can view a company’s employee growth and the total number of job openings.

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Use this information to make informed decisions when deciding on your salary requirements. But don’t limit yourself to the average salary range. Companies will usually pay you more for the value you have.

Big companies will often pay more than smaller ones.[3] Whatever your desired salary amount is, always ask for a higher amount. Employers will often reject your initial offer. In fact, offer a salary range that’ll give you and your employer enough room to negotiate.

7. Get compensated by your value

Asking for the salary you deserve is an art. On one end, you have to constantly invest in yourself to offer massive value. But this isn’t enough. You also have to become a great negotiator.

Imagine requesting a high salary and because you bring a lot of value, employers are willing to pay you this. Wouldn’t this be amazing?

Most settle for average because they’re not confident with what they have to offer. Most don’t invest in themselves because they’re not dedicated enough. But not you.

You know you deserve to get paid well, and you’re willing to put in the work. Yet, you won’t sacrifice your most important values over a higher salary.

The bottom line

You’ve got what it takes to succeed in your career. Invest in yourself, learn how to negotiate, and do research. The next time you’re asked about your salary requirements, you won’t fumble.

You’ll showcase your skills with confidence and get the salary you deserve. What’s holding you back now?

Featured photo credit: LinkedIn Sales Navigator via unsplash.com

Reference

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