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One of the great advantages of satellite radio is the fact that the programs are not interrupted by commercials. This is because the providers income comes from listeners and not from advertisers. Satellite radio services offer around 70 programs of commercial fee music channels each and you have a great variety of choices, from mainstream rock, hip-hop and dance music to folk music, opera, blues and many more.
Another great thing about satellite radio is the absence of static. You can be driving from the West Coast to the East Coast in the United States of America and you will not get any static at all on the way. The satellite radio signal is digital, which means that you will get crystal-clear sound wherever you go.

Satellite radio tuners receive, along with the actual radio programs, an influx of metadata that consists of information regarding song title, artist, radio program and radio channel. This means that your satellite radio receiver will display all the necessary information about what you are listening to. For instance, if you hear a great song and you want to know which artist sings it, you just look at the receivers display.
All satellite radio programs are uncensored. This is one of the reasons why artists like Howard Stern chose to move their shows on satellite radio. You can also listen to your favorite hip-hop songs without the interruption of those annoying beep sounds.
Satellite radio programs also offer information about local traffic and weather conditions. The information is very detailed especially for those who live in big cities. If there is a major national calamity and other terrestrial radio stations will not work, you can always count on getting accurate information from satellite radio program. You can also listen to satellite radio online on your computer.

If you still are not convinced on why you should pay money for something that you can get for free, think about how much time you have wasted listening to commercials and all kinds of other boring stuff on terrestrial radio programs. Traditional radio is not free, despite the popular belief. It is time-consuming and irritating because you have to listen to five minutes or more of commercials so that you can finally hear a song you like. The satellite radio subscriptions are very affordable and, for around 13 dollars per month, you get exactly the programs you want, which you can listen to wherever you are, at the best sound quality.

Satellite radio is great for you especially if you travel a lot. If you are traveling across the United States of America, for example, you can listen to the channel or channels you want during your whole trip, without losing signal or getting static. If you have a traditional radio, you will have to keep changing channels every hundred miles, but if you are using satellite radio you do not have to do that because the geographically availability of programs is not a problem. Satellite radio subscribers will soon get the chance to watch video programs as well. Both Sirius and XM services have announced their intention of introducing in the near future a variety of video satellite channels that will have some of the great advantages that are currently available to satellite radio: commercial free programs, great quality of sound and vast geographical availability.

A keylogger is a program that runs in your computers background secretly recording all your keystrokes. Once your keystrokes are logged, they are hidden away for later retrieval by the attacker. The attacker then carefully reviews the information in hopes of finding passwords or other information that would prove useful to them. For example, a keylogger can easily obtain confidential emails and reveal them to any interested outside party willing to pay for the information.

Keyloggers can be either software or hardware based. Software-based keyloggers are easy to distribute and infect, but at the same time are more easily detectable. Hardware-based keyloggers are more complex and harder to detect. For all that you know, your keyboard could have a keylogger chip attached and anything being typed is recorded into a flash memory sitting inside your keyboard. Keyloggers have become one of the most powerful applications used for gathering information in a world where encrypted traffic is becoming more and more common.

As keyloggers become more advanced, the ability to detect them becomes more difficult. They can violate a users privacy for months, or even years, without being noticed. During that time frame, a keylogger can collect a lot of information about the user it is monitoring. A keylogger can potential obtain not only passwords and log-in names, but credit card numbers, bank account details, contacts, interests, web browsing habits, and much more. All this collected information can be used to steal users personal documents, money, or even their identity.

A keylogger might be as simple as an .exe and a .dll that is placed in a computer and activated upon boot up via an entry in the registry. Or, the more sophisticated keyloggers, such as the Perfect Keylogger or ProBot Activity Monitor have developed a full line of nasty abilities including:

Undetectable in the process list and invisible in operation
A kernel keylogger driver that captures keystrokes even when the user is logged off
A remote deployment wizard
The ability to create text snapshots of active applications
The ability to capture http post data (including log-ins/passwords)
The ability to timestamp record workstation usage
HTML and text log file export
Automatic e-mail log file delivery

All keyloggers are not used for illegal purposes. A variety of other uses have surfaced. Keyloggers have been used to monitor web sites visited as a means of parental control over children. They have been actively used to prevent child pornography and avoid children coming in contact with dangerous elements on the web. Additionally, in December, 2001, a federal court ruled that the FBI did not need a special wiretap order to place a keystroke logging device on a suspects computer. The judge allowed the FBI to keep details of its key logging device secret (citing national security concerns). The defendant in the case, Nicodemo Scarfo Jr., indicted for gambling and loan-sharking, used encryption to protect a file on his computer. The FBI used the keystroke logging device to capture Scarfos password and gain access to the needed file.

Malware. An odd sounding word created to lump all malicious software programs, including viruses, worms, trojans, spyware, adware, and other malevolent codes into one cause-your-computer-serious-hurt category.

In 2005, Computer Economics released a report on malware. The good news was that for the first time since 2002, the total worldwide financial losses from malware actually declined to a mere $14.2 billion. The bad news was that the nature of malware was changing from overt threats to more focused, covert attacks. This definitely is not great news for the average computer user just trying to keep up with the hundreds of malware programs that bombard us daily.

Its not an easy task keeping malware out of your computer system. In order to accomplish this, you need a strong antivirus program. One such program that can deliver the goods is ZoneAlarm Internet Security Suite 6 from Zone Labs. Zone Labs is one of the most trusted brands in Internet Security for good reason. Their product, simply put, kicks serious malware gluteus maximus.

ZoneAlarm has received more review recommendations that any other Internet-security software suite because of its superb firewall and antivirus protection. It blocks pop-up ads, protects against identify theft and provides adequate spam filters that are flexible. It even beats the market leader, Norton Internet Security, which is often criticized for excessive system drag.

Its newest version includes these additional features:

Triple Defense Firewall to prevent spyware from sending your information across the Internet. It also makes your computer invisible to anyone on the Net.
Smart Defense Advisor which can automatically adjust your security settings for maximum protection against the latest virus and spyware outbreaks.
Advanced Identify and Privacy Protection to prevent your personal data from leaving your computer without your approval.

The bonus for the average user who cringes at the idea of setting-up one of these systems is that the interface is easier to understand and use in comparison to most if its competitors. If you choose to venture beyond the out-of-the-box default settings, and install a more elaborate filtering, know that this will require some additional time to set up on your part.

Overall, ZoneAlarm Internet Security Suite is a user-friendly, comprehensive security solution that will have your computer safe from Internet hazards and cyber criminals within minutes of installation.

Before proceeding to read this article, it is important that we state something up front. It is essential for the reader to understand and appreciate that there is no such thing as a secure operating system or web browser. While the use of security suites and other complementing products can significantly reduce your risks, they are not magic wands that you can wave to eliminate 100% of your risk. Any product claiming they can do this should be viewed with great skepticism.

With that being said, lets talk computer security and security suites. There are numerous ways in which the security of your computer can be breached. The most common threats come from worms, viruses, Trojans, phishing, hackers and crackers. Potential security breaches can come in the form of downloading unfamiliar email attachments, being monitored by spyware, maliciously attacked by malware, or probed through port scanning.

Dshield.org (www.dshield.org), a non-profit company, functions as a dominating attach correlation engine with worldwide coverage. In short, they work with people and companies to track, among other things, port scanning violations. Port scanning involves a person (referred to as a hacker or cracker) who attempts to break into you computer through the open ports in your system. Once an open port is located, the individual attempts to collect your personal data or install a malware program into you computer. On average, Dshield.org logs over 1.1 billion reported attempts of port scanning each month. What is even scarier is that this is just based on their program participants. You can imagine how many more incidents are occurring each month to the general population of computer users.

Dshield.org also reports on survival time. Survival time refers to how long it will take before an unpatched PC is attacked or infected. Below is a snapshot of their current operating system breakdown:

Current OS Breakdown
Category%Adjusted Survival Time
Windows27.0000128 min
Unix0.50003648 min
Application3.00001203 min
P2P1.50001591 min
Backdoor0.50005432 min
Source: Dshield.org Survival Time History (11/8/05)

In short, if you have a Windows-based operating system and an unpatched PC, you will be attacked or infected in a little over 2 hours. When looked at in these terms, securing your computer becomes a mission.

Here are a few easy steps you can take to immediately protect your computer.

1.Dont run unfamiliar programs on your computer.
It sounds like common sense, but many of the most prominent attacks have involved spyware and email attachment worms such as Bagle and Netsky. If you dont recognize the sender, dont download its attachments.
2.Dont allow unrestricted physical access to your computer.
If you have sensitive or proprietary information on your computer, allowing other employees or family members to use your computer can lead to potential breaches in your computers security.
3.Dont use weak passwords.
Use passwords which are difficult for someone to figure out. People frequently use the names of children, pets, anniversary dates, or birthdays. Because there seems to be a password needed for everything, it is not uncommon to see many people using the same password for everything. Big mistake! The use of only one password provides a hacker with easy access to a smorgasbord of personal information. If you have to write your passwords down, it is best not to leave them on a post-it, attached to the screen of your computer. You may chuckle at the absurdity, but it happens more than you think.
4.Dont forget to regularly patch your operating system and other applications.
Many industry experts believe that most network security attacks would be stopped if computer users would just keep their computers updated with patches and security fixes. Too often, we forget to do this on a regular basis. Remember that every day, new viruses, worms and Trojans are being created and distributed. They are looking for the weaknesses in your computer system. Having outdated software is basically the same as holding the door open and inviting them in for a visit.
5. Dont forget to make regular backups of important data
Always keep a copy of important files on removable media such as floppy/ZIP disks or recordable CD-ROM disks. Store the backups in a location separate from the computer.

In most cases, Windows desktop and screen-saver passwords provides adequate protection for normal security concerns. However, if you feel more comfortable taking additional security measures consider obtaining a comprehensive security suite.

Selecting a Antivirus Software
The next question is how do you pick the best product for your needs? You start by asking yourself a series of questions. Do you need password protection for individual files, your desktop, a network, or to block someones access to the Internet? Is your computer used only by you or do multiple users have access to the computer? How many users in total do you expect on your computer? What are your system requirements? How much do you want to spend?

Once you are able to answer these questions, you can begin to research which security suite will best meet your needs. Product reviews and user statements provide a great starting point. PCMagaine (www.pcmag.com), Zdnet.com (www.zdnet.com), and Consumer Reports (www.consumerreports.org) are just a few informative sites that offer research on various computer software products.

There are numerous security suites available on the market. Take the time to choose the one that meets your specific needs. As a starting point, weve listed a couple of the more popular programs:

1.Kaspersky Personal Security Suite
Description: A comprehensive protection program package designed to guard against worms, viruses, spyware, adware and other malicious programs. The program offers five pre-defined security levels and is convenient for mobile users. System requirements: Window 98/2000/XP; Internet Explore 5.0 or higher, Memory: minimum of 64 MB RAM, 100 MB free on hard drive.

2.Shield Deluxe 2005
Description: This program provides protection from viruses, adware, spyware, and privacy threats while using very low system resources. Additionally, the maker, PC Security Shield offers ongoing free technical support. System requirements: Windows 98 or higher, WinNT, WinXP, WinME; Internet Explorer 5.1 or higher, Memory: 32MB ram or higher, 65 MB free disk space.

The idea of Americas biggest two satellite-radio joining forces has been up in the air for almost four years. Although XM had a years start, Sirius came back on the market, eventually with both companies sharing the market in half. So, whats to choose? XM or Sirius?
First things first. XM and Sirius are based on the same principle, each of them providing music, news, sports, etc. on their channels, but, every service has its ups and downs so we will try to discuss it in this present article. A careful analysis shows that XM Satellite Radio provides a total of 136 streams, where two are premium channels (Playboy and High Voltage), twenty-one are traffic and weather based channels and nine are sport-dedicated ones. On the other hand, Sirius offers a total of 119 streams, the premium streams not being available. Lets take a closer look now on two music and news – of the categories that the two major satellites are battling.

Music streams comparison

The number of music streams that both services offer is pretty much the same: 65 on Sirius and 68 on XM Satellite Radio but the difference is not in the number, but in the music genres that the radios offer.

Music Decades

XM is the absolute champion in providing the music by decades because you can listen to the 40s music, service not available on Sirius. Still, you can listen to the 90s hits together with the current hits on Sirius Satellite Radio, which is an interesting feature.

Music Country

Ride em cowboy!. Even if youre not a cowboy, you can listen to country-related songs on both Satellites. Classic country or country hits are to be heard as well as alternative country or country mixes, the last two features being available only on Sirius Satellite Radio. Regarding the number of streams that both Satellites offer, XM offers a total of five streams and Sirius offers four, the champion in this category being XM due to the quality and the quantity of music being played.

Music Rock

If you are looking for sex, drogs, and rock and roll, Sirius and XM Satellite Radios can only offer you rock and roll, on a number of 14 streams on XM and 15 streams on Sirius. The rock subgenres are to be found in a large number on the stations, overall each service being very strong in this category.

Music – Dance and Latin

If you want to boogie, you can do that on both Satellites, listening to one of the six streams provided by Sirius or four streams provided by XM. Be careful though, because you can become a clubber maniac! And if youre strong enough, the Latin pop stream, Mexicana and tropical music streams can really drive you crazy. XM Satellite Radio as well as Sirius Satellite Radio offer three streams.

Music Other genres

Regarding other genres, both satellites really look up to their prestige, offering hours of hours of music, from Classical to Jazz, even Urban (Sirius feature). Both stations offer high quality tunes, making it worth all the money.

News Streams Comparison

Lets skip to another interesting topic, news. CNN, FOX, CNBC, Bloomberg, MSNBC and many more news stations are being offered for listening in different languages. The number of streams is again near-by, XM offering a number of 11 news streams, not like Sirius, which offers 13.

Bottom line

Its pretty hard to say which station is better, XM and Sirius being tied musically but in news and sports, Sirius holding the edge. To make a little joke, if you are a fan of Stern go with Sirius, if you like Q&A go XM. Anyway, its hard to say which one is better, but, what can I say is that both Satellites are worth paying for.

XM Satellite Radio Inc. is one of the major players in the satellite radio industry, with over 2 million subscribers and spreading all over the American territory. XM Satellite Radio Inc. deliver over 120 channels of radio to an ever expanding customer number. Here are some of the characteristics of XM Radio:
Corporate headquarters: Washington, D.C.
Date of launch: November 12, 2001
Satellites in service: 3
Available satellite radio channels:150
Monthly subscription cost:$12.95

XM Satellite Radio Inc. is the owner of one of the 2 FCC approved licenses for delivering digital radio in the United States. Since it only shares the field of Satellite Digital Audio Radio Services (SDARS) with Sirius Radio, XM Satellite Radio Inc. has plenty of room to develop and expand. 2001 was the year when XM Satellite Radio Inc. began broadcasting progress was slow at first, but soon after satellite radio began skyrocketing as a social and economical phenomenon. Since it was the first national digital satellite radio service provider, XM Satellite Radio Inc. captured an important share of the market and started offering music programs and other types of shows and channels like talk shows, sports, comedy, science and news. XM Satellite Radio Inc. owns the most impressive digital radio equipment and facilities, boasting over 82 end to end broadcasting studios. The digital radio used by XM Satellite Radio Inc. is encoded using the complex CT-aacPlus technology which is broadcast in 128kb/sec format very close to CD quality. The signal produced by using this technology makes the transmission much clearer and more accurate than any analog radio provider could ever offer. There are no noise disturbances that were often present with FM and AM broadcasts and the transmission is crystal clear. The fact that the signal is received in digital form solves many noise disturbance problems and the output is close in fidelity to the original track.

The XM Satellite Radio Rock and Roll satellites

XM Satellite Radio uses two of the most potent commercial satellites, which are constantly orbiting the Earth at a height of 22 300 miles. The two Boeing HS-702 satellites have some inspired names – “Rock” and “Roll”. The first of the two satellites, Rock, was launched in orbit on March 18, 2001 and is currently positioned at 85 degrees West Longitude. It services the western half of the United States and complements the range and area of coverage of its younger brother Roll. Roll was launched on May 8, 2001 and it currently positioned at 115 degrees West Longitude, and it services the eastern part of the United States. The combined coverage of the two satellites spreads beyond US borders and reaches areas like Canada or Mexico. This is an interesting feature of satellite radio, as it further points out the benefit of not having to switch radio stations during long trips or while moving over the border. For emergency purposes, the company has third redundant HS-702 satellite on the ground, ready to replace Rock or Roll if any of them fails. Both satellites use different transmission frequencies which prevents interference.

Using the XM radio transmission

The powerful broadcast signal used in satellite radio means that you only need a small receiver in order to be able to listen to digital radio. These small omni-directional antennas are similar to GPS devices and do not require mechanical pointing in order to receive the signal. Some of the new features of satellite radio refer to the extended broadcast information abilities. XM offers information about the broadcast type, and includes the song title, artist, and genre of music. As a recent improvement, XM radio also started broadcasting weather related news and traffic statuses on their programs. In order to use the XM Radio programming you need a XM Radio receiver, an antenna and a subscription to the XM services. Different music equipment producers have teamed up with XM Radio in order to allow adding XM broadcasting to their already existing devices. Some vehicle manufacturers are also offering XM Radio as a factory installed option.

Here are the main music categories that you can find on XM satellite radio broadcasts:
The Decades – songs from the 40s, 50s, 60s, 70s, 80s, and 90s
Country classic country hits are at home here, but you will also get a good share of new pop country and blue grass country.
Hits this is for all hit lovers out there. Packed with Top 20 on Channel 20, the hits XM Radio channels also include some FM channels: KISS FM in LA or Houston’s Pop FM station, KMIX. You also get MTV and VH1 stations and if youre in the mood for some popular love songs you can tune into The Heart and Lite channel. Another interesting channel is Cinemagic, where you will be able to listen to all your favorite movie soundtracks without being bothered by commercials. There are also two Christian rock channels and a classic alternative channel.
Rock XM Radio features 10 commercial free channels dedicated to rock:
* Deep Tracks: classic and contemporary hits
* Bone Yard and XM Liquid Metal: the first channel goes with classic hard rock while the XM Liquid Metal plays hardcore metal.
* Fred: there is a lot of classic alternative music, some 80s alternative rock and punk music
* Top Tracks: classic rock tracks
* Unsigned: unsigned bands
* XMU, XM Caf, the Loft, XM Music Lab: soft rock, eclectic rock and any other rock type that doesnt fit anywhere else
Urban rap and hip hop, both modern and from the 80s.
Jazz & Blues 6 channels altogether out of which four are commercial free
Dance techno and trance music rules here, but you also get some disco music
Latin 5 commercial free channels of Latin, Spanish and Mexican hits.
International Music 5 channels of music from around the world. You might find these five channels a welcomed break from all the music you are used to. Fresh music from around the world is presented daily.
Classical classical music from both famous and less renown classical musicians. You get the XM Pops, XM Classics, Vox and Fine Tuning. As you would expect, all 4 channels are commercial free.
Kids – Radio Disney and XM for Kids. Excellent programs that will keep your kid busy and happy for a long time.
News you will get Fox News, CNN Headline News plus other TV related news channels. They feature XM commercials.
Sports you will get channels like ESPN Radio, ESPN News, Fox Sports Radio, Sporting News, NASCAR Radio. These channels cover most of the important sporting events in the United States but you can also get international sports news here.
Comedy both family oriented comedy stiles and uncensored comedy bits. These channels are commercial free, which is really enjoyable.
Talk & Variety there are different talk channels and shows that are really engaging, such as E! Entertainment Radio, ABC News and Talk, Buzz XM, Ask channel, The Power and Family Talk. However, these channels have plenty of commercial time which is a bit of a disappointment from a paid subscription service.
Variation and content

These are the things both XM Radio and Sirius are after. With over 100 channels, each provider is able to identify and target all the important age and social groups in the United States. When it comes to music, there are extremely specialized channels on XM Radio, so the consumer knows exactly what kind of music they will run into on that particular channel. The kids channels are pretty good and the sports channels are also ok. If you like to get your news TV style, XM Radios choice of channels is also interesting. The fact that commercials are present is not that bothering, as they are only allowed to play 6 minutes of commercials per hour. However, some of the music channels are kept 100% commercial free, which is good news for music fans who do not want their audition to be interrupted by intrusive commercials.

Satellite radio is often considered one of the biggest improvements in broadcasting since the introduction of the FM band. Satellite radio is also called subscription radio or pay-radio because it is only available trough subscription to one of the satellite radio providing companies. Satellite radio follows a concept similar to cable television by providing a very wide range of programs which are not available in the traditional FM or AM format for a fee.

Satellite radio uses satellites to deliver radio programs to subscribers. The radio signal is broadcasted from Earth based stations to communicational satellites, which then redirect the signal to satellite radio receivers. The radio signal is broadcasted by communication satellites to a much larger area than traditional terrestrial radio antennas. For example, satellite radio is available al across the continental area of the United States. Satellite radio is available now in most parts of the world trough services provided by companies like WorldSpace (in Europe, Asia and Africa), Sirius and XM Radio (in North America). The radio signal you receive using satellite radio is digital, which means that it is always clear and static-free, which is one of the great advantages of satellite radio. Another great thing about satellite radio is that it is almost completely commercial-free.

To begin listening to satellite radio you will need the actual satellite radio (also known as tuner or receiver), a satellite radio antenna (which is often incorporated in the satellite radio) and a subscription to the service you choose. There are several types of satellite radio from which you can choose. One of them is the dedicated car or home radio, which play trough your car or home stereo. A second option is the plug-and-play radio, which can be used in your car, as well as in your home by paying a single subscription. Your third option is the portable radio, which has rechargeable battery, a built-in antenna and you can listen to it wherever you go using headphones. The radio signals offered by different satellite radio companies are proprietary, which means that you will need different hardware for receiving, decoding and playback, depending on your subscription. Each satellite radio receiver has its own serial number called Radio ID. When you get your subscription, you will also get an activation code for your receiver. Besides the actual radio programs, satellite radio transmits metadata that contains the name of the artist, the title of the song or program, as well as the name of the channel. This makes it easier for you to decide which channel to listen to and which program to choose.

Satellite radio services provide the subscriber with more than 100 programs that vary in content from rock and jazz to rap and classical music. But satellite radios utility reaches far beyond listening to your favorite music without the interruption of those annoying commercials. Satellite radio also offers exclusive sports programs, cultural and educational shows, news and talk-shows. Some of the celebrities that have moved their shows from free radio to satellite radio include Howard Stern, Opie and Anthony, Bob Edwards and Martha Stewart. Unlike terrestrial radio, satellite radio is not affected by bad weather or even calamities.

At first, many people wondered why they should pay for radio if they can get it free. However, satellite radio attracts more and more people every year due to its great advantages: no commercials, extensive reach, theme programs and exceptional quality of sound.

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The major query you will raise when requiring payday loan is about the rates you will have to render; here we are going to offer you new determination to all your fiscal problems, and you will comprehend that there are first online payday loans which will be gotten free of costs. If you did not know about such service in the past, only check on line, and you will realize that you may manage all you casual monetary business avoiding credit cards with higher interest rates.

Here is just one example of the payday loans savings you are able to find, yet there’re various kinds of payday loan savings that are offered for their clients, early repayments or other sorts of tenders. In case you really need some additional cash to take care of your small expenses, it is possible to get a month loan without interest, although such option will be not obtainable for everybody.

Do not be concerned to undergo payday loan service; your bargain is secured to be profitable and won’t cause you extra difficulties, but will help you to not to get stuck in bad financial state. On-lone payday loan companies are a bit different from actual institutions: they are more effortless and can provide you with monetary assistance faster and excluding additional procrastination. Some companies might also provide you with the option of a credit line that you can access with a debit card, what you may estimate to be helpful with hard fiscal situation.

When you compare the number of offers you may understand that payday loans savings companies are diverse, still you will discover those that will help you determine your occasional finance shortages. While these loans may not be valued as long-range determination for a bigger monetary difficulty, they may help you purchase goods for the fridge with several plain steps.

Depending on what lender you opt for, the conditions will vary; yet the common notion about payday loans is that they have to be returned with following salary. Hence, you need to examine all conditions and find the establishment that will not force you to return big rates and which is reliable and time-tested with the attempt to elude deception. Payday loans are proper supporters in any event concerning financial difficulty: they will help you avoid delinquency charge, overdraft penalties; yet endeavor not to use them oftener than you really need. You simply need to heedfully examine the offers and choose the appropriate one.

In 2004, online consumer spending was at a record $65.1 billion. More and more people are attracted to the ease of online shopping and are spending higher amounts. Unfortunately, the chances of becoming a victim of Internet fraud are also increasing. The Internet National Fraud Center Watch reported that the average loss to fraud victims for just the first six months of 2005 was $2,579. This is compared to the $895 average for all of 2004. Complaints relating to general merchandise purchases (goods never received or misrepresented) accounted for 30% of Internet fraud complaints, and auction purchases (goods never received or misrepresented) topped the list at 44%.

While many e-commerce Websites are reputable and have taken the necessary safety precautions to protect you, it never hurts to always proceed cautiously. If you are making an online purchase consider these easy steps:

1.Use only one credit card, preferably with a low credit limit, when making online purchases. Avoid using an ATM or debit card.
2.Be wary of unsolicited offers by sellers. The Internet National Fraud Information Center Watch reported that email, as a method of contact by Internet scammers was up 22% in 2004.While the offer may be legitimate, spammers like to use this tactic to side-step reputable sites that provide consumer protection for online purchases.
3.Use only reputable e-commerce websites that list a street address and telephone number in case you need to contact them directly.
4.Read the websites privacy policy. Some websites may reserve the right to sell/give your information to a third party. Check the document to see if they allow an opportunity to opt-out of receiving special offers from third-party vendors or for permission to share your personal information.
5.Check for a lock symbol in the status bar at the bottom of your Web browser window. Also, do not provide your personal information if the website address doesnt start with https (a sign that the site is using a secure server).
6.Choose only verified sellers. Check to see if the vendor is a verified member of a reputable third party such as the Better Business Bureau, VeriSign, or Guardian eCommerce. These third-party sites help to ensure online consumers will be protected when shopping or conducting e-commerce transactions.
7.Check that the delivery date posted is reasonable. If you have not dealt with the vendor on a regular basis, be wary of any Website that states the shipment will be delayed 20 or more days. Delivery dates of 7-10 days are more common.
8.Keep a paper trail of all online transactions. Print out a hard copy of the transaction and keep it in a file for future reference.
9.Be wary of website offers that just sound too good to be true. The Internet is littered with get rich quick scams and false advertising claims. Investigate all claims thoroughly before proceeding.
10.If you do not receive what you paid for, and the vendor will not return your emails or calls, contact your states Department of Consumer Affairs for further assistance.