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Items of Interest

Items Of
Interest

  Shopping From Home

Jul 08, 2009 08:58 ET

New technology makes it easier to shop without ever leaving your home. Most of the time a credit card is required to make purchases over the internet or telephone. Make sure to research the product you wish to purchase beforehand and understand any return and refund policies the company may have.

When shopping online, check to see if the website is secure by looking for a lock at the bottom of the screen or a website that begins with https://. Always review the privacy policy before making a purchase. If you do make a purchase online, make sure you receive a confirmation notice in your inbox shortly after the transaction.

Door-to-door sales can be high-pressure situations. If you feel uncomfortable, don’t be afraid to say no. Ask for references from the salesperson and do some research if you are interested in the product. If you do end up buying a product or service, you have the right to a 10-day cooling-off period where you can cancel any contract over $50 that was signed in your home. You should also make sure you receive a legitimate contract from the company.

When shopping over the phone, you should deal only with reputable companies that have good refund policies. Don’t buy anything on impulse and beware of pushy telemarketers who demand payments in advance. These people are usually scammers. If you end up making a purchase on the phone, the company is required to provide you with a copy of your agreement within 30 days of billing or within 60 days of entering the contract.