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Top tips to protect your online purchases
The holidays often feel more hectic than festive with all of the preparations,
invitations and hosting duties tugging us in all directions. Braving the malls filled
with crowds just adds to the chaos, so consider the alternative: do your shopping
Take a look at these top tips for safe and secure transactions, from eBay, a
leading global marketplace
Purchase from a legitimate site
Make sure that the URL address begins
with “https,”which indicates that the
purchase is encrypted and secure.
Ask lots of questions
Contact a seller to ask questions about the
product before you make a purchase, to
avoid any surprises when you receive the
Check the return policy, and look for
Most purchases go smoothly but, if the
item isn’t exactly what you ordered,
policies such as eBay’s money-back
guarantee will cover your purchase price
plus original shipping on almost all items.
Enjoy the convenience of shopping online and give yourself the gift of more
time with family and friends.
Do your research, and check the
Prices that are much lower than
the competition may have strings
attached, so be aware and read
product descriptions carefully.
Also, be sure to understand
shipping costs and delivery times
– especially during the holiday
Make sure that payments are
Services such as PayPal provide for
a safe and secure way to pay for
your purchases online. They may
even offer additional security, such
as PayPal Purchase Protection.
Plan ahead before using
your credit card abroad
When you use a credit card outside of
Canada, you are often given the choice to
pay in Canadian or local funds at the point
of sale. To decide, you need to know the rate
which your credit card company will charge
to exchange currencies, so that you can
compare it to the rate being offered abroad.
Before you leave home, check your credit
card company’s foreign currency conversion
rates (not the same as the foreign exchange
rate) and associated fees. You can find this
in the information box on your credit card
agreement, which came with your credit
card in the mail.
Learn more about credit card agreements,
plus your rights and responsibilities, by
visiting the Financial Consumer Agency of
New direct deposit form
easier to complete
As the deadline to apply for direct deposit of
federal payments looms, the federal govern-
ment has simplified the enrolment form to
make it easier for Canadians to sign up. By April
2016, all federal payments will no longer be
issued by cheque and direct deposit will be the
preferred method of payment. Your payments
will be conveniently deposited into your bank
account, with very few exceptions, so the time
to enrol is now.
If you need help filling in the form, visitwww.directdeposit.gc.ca , ca
or ask your bank teller for assistance.
More than 80 per cent of federal payments –
such as Old Age Security, the Canada Pension
Plan, disability benefits, Employment Insurance
and tax returns payments – made to Canadians
are by direct deposit; however some Canadians
still need to enrol to start enjoying the conven-
ience and reliability of direct deposit.
4 ways to avoid hitting the wall
when hitting the road!
Driving long distances and into the night isn’t everyone’s cup of tea (or coffee).
Whether you prefer to grab a Red Bull for the road or crank up the AC, here are
some tips to help you arrive at your destination safely:
GPS devices and cell phones can be lifesavers in the event of an
accident or if you get lost, but technology can also be distracting, so remember to
pull over when using your mobile.
Fighting the urge to sleep, especially after dark, is a bad idea. Pull over
and take a 20-minute nap if you are yawning or blinking. Another way to stay alert
is to get out of the car at least every two hours and walk/run around your vehicle a
Drinking the equivalent of two cups of coffee can be effective
in staving off a sleep attack for as long as an hour. However, hot drinks can make
some people drowsy, so opt for something cold like a sugar-free energy drink to
keep your body and mind alert.
Keep the air cool inside the car by opening a window or turning on the
air conditioning. When temperatures rise above 27 degrees Celsius, most people
experience a temporary loss of concentration and efficiency in mental alertness.
Running on empty applies to more than just your vehicle, so make sure that you
have enough left in the tank when you reach your destination.