Tag Archives: online shopping

Breach Brief – Macy’s, Adidas

Macy’s department stores has reported a data breach of customer data. The breach affects Macy’s online customers and exposed names, addresses, phone numbers, email addresses, birthdays, and credit and debit card numbers with expiration dates. Macy’s pointed out that it does not store credit verification values (CVV) or Social Security numbers in its online customer profiles. Macy’s has reported the data breach and exposed card numbers to payment processors Visa, MasterCard, American Express and Discover. Macy’s has not said how many customers are impacted.

According to Macy’s the breach took place between April 26 and June 12. The company reported that an “unauthorized third party” had obtained usernames and passwords and were able to log into Macy’s and subsidiary’s Bloomingdale’s shopper’s online profiles. It is not known how the hackers got the information. Macy’s reported the breach in a letter to the New Hampshire Attorney General’s Office on July 2nd.

Macy’s has frozen any customer profiles with suspicious activity until the customers change their passwords.

“We have investigated the matter thoroughly, addressed the cause and, as a precaution, have implemented additional security measures,” the company said in a statement. “Macy’s, Inc. will provide consumer protection services at no cost to those customers. We have contacted potentially impacted customers with more information about these services.”

 

Adidas

Adidas, maker of sportswear and equipment, issued a warning to online shoppers in the U.S. that their personal information may have been compromised as a result a suspected data breach.  Adidas first became aware of the incident on June 26 and analysts are saying that potentially millions of customers could be affected.

A preliminary investigation revealed that the hacker may have stolen customer’s contact information, usernames and encrypted passwords. Adidas does not believe any credit card or health and fitness information was compromised.

A statement on Adidas’ website read; “According to the preliminary investigation, the limited data includes contact information, usernames and encrypted passwords. Adidas has no reason to believe that any credit card or fitness information of those consumers was impacted.” The company is in the process of notifying affected customers.

Tax Season 2017 – Talk to Parents and Grandparents About Tax Scams

Tax season is scam season. It is also a good time to talk to elderly people about their tax returns. In the age of the Internet, email and smartphones older people to get confused and even intimidated by the technology. And scam artists know this.

For elderly African-Americans information security is a key concept they need to understand. Something as simple a securing sensitive papers can make a great deal of difference. African-American seniors need to understand that simple documents such as a utility bill can lead to identity theft. These are new concepts for many older people.

Some elderly people live in senior citizens homes or assisted living facilities. Others have in home care. These older people, because of their situation, are vulnerable. If you have a parent, grandparent or elderly reative in this situation make sure mail and other documents are properly secured. Live-in or visiting caregivers are supposed to be trusted but we know that is not always the case.

Makes sure they understand that they are not to give any information over the phone. Fake IRS scam artists are very skilled at intimidating and confusing older people on the phone. Make sure they know to hang up the phone immediately. Remember, some calls are phishing calls. This is where the caller asks question to get information that is just the beginning of the scam. They use methods known as social engineering. Older people are vulnerable because they may fall for a friendly voice on the other end asking seemingly innocent questions. Other times they may think they are talking to the IRS.  Again, remind them never give informaion over the phone.

Ask questions; who is preparing their taxes? Is this a legitimate company? Can they be trusted? How is their information handled and secured? How much are they charging? All these question maybe intrusive but if you feel your parents or grandparents are vulnerable then its better to be an nuisance now than to regret it later.

Some older people do indeed use the Internet to shop, send email and conduct other business. Make sure they understand that the IRS does not conduct business by email. Teach them to avoid clicking on links or opening attachments.

Finally, persuade older people to ask for help. Many older people guard their independence jealously. They want to feel they are in control of their own lives. Make sure they know you are there to help them and protect them.

 

Online Holiday Shopping 2016 – Fake Apps & Online Stores

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Courtesy Stuart Miles

Holiday shopping for the best deal is a chore. Like most smart shoppers you use whatever tools you can find to get that great deal. But avoiding holiday scams is a real job and you have to be alert. Fake shopping apps and online stores are making your job a lot more difficult.

The holidays offer cyber criminal a great opportunity to fool customers into downloading malware . Once this malware is on board your computer, laptop or smartphone it can easily steal your personal and banking information. Criminals can and do create perfect replicas of popular brands and websites that draw unsuspecting customers to their site or mobile app.

A recent FBI press release warns consumers about fake app scams. These scams are often disguised as games. But don’t be fooled by fake apps that mimic well-known brands like Nordstrom’s and Nordstrom’s Rack, Dollar Tree, Dillard’s  and other popular stores and websites. Smartphone users can be fooled into downloading the app and then connecting it to their Facebook account or email. Like most things connected to Facebook the victim willingly  gives away personal information. These apps can also infect your phone or tablet with malware.

Just because you downloaded an app from the Apple App store or Google Play do not assume that you are safe. Recently Apple found and removed hundreds of fake shopping apps from its app store.

Chris Mason, co-founder of Branding Brand warns consumers to look for red flags before downloading shopping apps.  Warning sign of a fake app include typos and run-on sentences in app descriptions. Mason says to look beyond a brand’s logo when you download an app from Google Play or the Apple Store. Don’t download the first one you see. Check customer reviews for poor or one-star reviews or numerous user complaints about excessive advertising. All these could be a red flag that the app is fake.

There are also FBI warnings about fake deals from unfamiliar sites. The holidays are prime season for fake pop-up websites. And these sites are not so easy to spot. Cyber criminals are extremely clever at making these stores look legit. According to Inc.com these fake sites price most products competitively, but you can also find ridiculous deals designed to entice shoppers. Regular priced items mixed with the unbelievable deals make them look like a real store. But remember two things; “If it looks to good to be true it probably is,” and just because a store shows up in Google search doesn’t mean it’s legit.

 

Online Holiday Shopping 2016 – Best Gift Card Sites

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Photo courtesy of Nirots

There is a magical gift that, no matter what, is always exactly what the person wanted or needed. It is adaptable to any situation or occasion. This gift can be from the recipient’s favorite store or any store anywhere. And this gift can purchased for less than face value.  What is this super gift? The gift card of course!

One of the best gift cards to give is the reliable VISA ,MasterCard  or AmericanExpress Gift card. These three are perfect for gift giving because they can be used anywhere the credit cards are accepted and some are even re-loadable. How can you possibly go wrong when the gift card can buy anything from auto parts to nice dinners to clothing and jewelry. Using these cards as holiday gifts is a no brainer.

But should you have someone with particular tastes or if you know there is some place they get a special kick out of shopping then you can buy specific store gift cards. Almost every store provides gift cards and the top gift cards of 2016 can be found by clicking here.

And since this is the giving season lets look at the top gift cards sites. As I always say, “Black people don’t play when to comes to money!” So for African-Americans looking for the best deal on holiday gift cards there are a few sites you need to check out. These sites sell gift cards for below face value and these deals can save you some big money.

gift-card-granny-logoLets start with GiftCard Granny. The most amazing thing about GiftCard Granny is that you can actually download the Chrome extension and the apps for Apple and Android devices. GiftCard Granny offers over 150,000 gift cards from just about every store you can imagine and the discounts are nice. As much 20 percent off in some cases.  You can also sell your unused gift cards through the site. 

 

 

ebatesNext up is Ebates. This is another superstore of gift cards and they advertise discounts of up to 30 percent. And yes there  are thousands of stores and millions of cards to choose from. The deals are there but… You have to surrender your email address to even shop there. The site won’t even let you browse without surrendering some data. A definite turn off during the holiday season and good reason to move on to other gift card sites. 

 

raiseRaise.com is yet another excellent discount gift card website. This site lets the buyer shop using several parameters that include price, card type (physical or electronic),  and about twenty different categories of gift cards.  And if you are in Chicago you can check out the specials there as well. I am sure more cities will be offered soon. But trust me they have all of the major retailers  and hundreds of other specialty store and restaurants from Taco Bell to specialty steak houses. Right now it is also offering a new  sale section for additional discounts.

 

cardcashCardCash.com allows the user to buy and sell gift cards with awesome discounts.  And CardCash offers a 45 Day Buyer Protection Guarantee against those ever present holiday scam artists.  This site also allows you to search by physical or electronic cards and numerous different categories. You can find discount cards for hotel stays, restaurants, even frozen dinners. Here you can find gift cards discounted as much as 30 percent.

 

whizwalletWhizWallet.com offers discount cards from numerous different sites. According to their website they aren’t following the model that other sites use. Sites mentioned already buy and re-sell the gift cards. But WhizWallet compiles the inventory of the best discounted gift card sellers.  Using WhizWallet can help the customer find the right credit card, buy retail cards and discount cards. As always the selection is pretty expansive and you are bound to find the store you are looking for.

 

giftcardsGiftcards.com is another excellent gift card site that offers several different cards from various stores and providers. This site allows the user to even customize the gift card for special occasions. Y0u can get eGift cards delivered to your smartphone and again, every store is represented.

Holiday season is extremely busy and stressful for everyone. Trying to find the right gift for someone special can be a real headache.  But a gift card can definitely help. You literally have millions choices from stores to locations to type of gift. There are gift cards that allow you to give some special person a cruise or a vacation if you have that kind of money. May we suggest a Neiman Marcus Gift Card?

 But you may still need a little help. So WalletHub has released 2016’s Best Gift Card List  to help you choose. You can also check out their 10 Tips for Getting the Best Gift Card.

Finally, some people say that gift card are lazy gifts and seem impersonal. But research indicates 42 percent of Americans appreciate gift cards and cash over being mis-gifted. 

App of the Week – Earny

earny_LEverybody shops online. Black people especially enjoy the power and convenience of e-commerce. But shopping online has one big drawback and that is buying something only to discover it at a cheaper price later or at another website. That is why Earny is the App of the Week.

Earny allows online shoppers to get a better price by finding the item you purchased at a cheaper price and then getting you a refund for the difference. Yeah, you read that right! Earny will get some money back for you. Not only that but you pretty much don’t have to do a thing.

The app tracks your online purchases and finds your e-receipts by connecting with your email and Amazon accounts to see if you got the best deal. If Earny finds a lower price it will request a refund for you and take a 25 percent cut of the action. The balance will be credited back to your payment card. Yeah, you read that right! Earny automatically tracks your purchases and files for refunds or credits when it beats the price you paid.

Earny is programmed to understand the price match policy of online stores and knows how to file claims without any help from you. Think of it as a robot refund machine.

Earny can track purchases from over 50 stores including such giant retailers as Amazon, Target, Walmart, Best Buy, Nordstrom, and many others. Is this the bomb or what?

Earny is about to get a lot better according to co-founder Oded Vakrat.  Vakrat plans to provide consumers with the same protections across a variety of services.

“For example, flight tickets, hotels, car insurance, health insurance, phone plans – all those things we will focus on in the future,” he says. “We want Earny to watch your back for every payment you make,” adds Vakrat.

Earny is free and available at Apple and the company is developing an Android version.

Safer Online Shopping with Burner Credit Cards

visa-full-colour-reverseAfrican-Americans hold almost a trillion dollars in buying power.  Much of that money is spent online. Black people do more online shopping than any other group and as a result we are more vulnerable to retail tracking and credit card fraud.  

Privacy and security is hard to come by in the digital age. Seems like everything is stored in somebody’s database and tracked; and these are the good guys.  The bad guys are hacking something everyday. Your credit card information is always vulnerable to theft. If it is stolen you get stuck with the hassle of calling your bank for a new one, or waiting to see if yours is misused. 

A new service known as Privacy.com lets you create virtual, disposable credit card numbers or burner cards, that deactivate instantly if stolen. Privacy.com actually creates a disposable card number that protects your security and privacy when you shop online. Privacy.com is a VISA card that can be used at any online store or anywhere VISA debit cards or gift cards are accepted. The cards are locked to a single merchant and you can make it a single-use or set transaction or monthly spending limits on them. The Privacy.com burner card does not require a credit check because it is not a credit card but works like a debit card. Spending limits are set at $1,000 a day and $2,000 a month.

Money on the card come directly from your selected account but the merchant does not see your account number or the credit cad number. The transaction process is completely anonymous.

People choosing to use the Privacy.com cards need to have an account at one of the following financial institutions;

According to the Privacy.com website the number of banks is growing. If you don’t see your bank on this list send them an email at  hello@privacy.com.

The Privacy.com service is only supported on  Google Chrome and Mozilla FireFox and the app is available in the iOS App store. The company is working on getting other browsers on board with the service. 

Now you know.

 

 

 

Online Holiday Shopping 2015 – Shopping While Black

canstockphoto18667912Racial profiling is a reality. People of color have suffered from the idea that we are untrustworthy and dishonest by nature. Nothing could father from the truth. As a result of this hideous myth black people are more likely to be wrongly accused, wrongly prosecuted and wrongly convicted. And even with a trillion dollars of consumer buying power we face racial stereotypes even when spending our money. Its called shopping while black. The result is that many black people have taken to shopping online.

It doesn’t matter who you are or where you shop being black is a negative mark against the African-American consumer. Notable African-Americans including Oprah Winfrey and Condolezza Rice have been mistreated simply for shopping while black.

Milwaukee Bucks forward John Henson dropped by a Schwanke-Kasten jewelry store in Whitefish Bay, Wisconsin shopping for a Rolex watch.  The staff of the store reacted to the tall black man by refusing him entry into the store and calling police.  The police verified Henson’s identity but the store employees still insisted that the police supervise the professional athlete while he shopped.

The sad truth of this is that research indicates that black people are no more likely to shoplift than any other ethnic group. Statistics indicate that shoplifting is spread fairly evenly across all colors and economic categories. 

A recent Gallup poll revealed that African-Americans felt  more discriminated against while shopping than doing anything else. Twenty-four percent said they experienced discrimination in a retail setting, compared to while eating out, 20 percent, at work or during police encounters, 18 percent, and while obtaining health care ,12 percent.

Blacks have moved their shopping online to avoid the hassle and embarrassment of dealing with race while shopping. African-Americans are more likely to shop online using mobile devices than other racial groups. So the move to express our buying power online was a small one. However it should be noted that the overall trend among consumers is to shop online. African-Americans continue to be the fastest growing demographic of online shoppers.

African-Americans are savvy shoppers. According to Experian black people are deal seekers and 28 percent more likely to respond to social media advertising and 14 percent more likely to use social media to tell friends of products and companies they like.

Black people are also more likely to shop online using a mobile device. African-Americans have a higher mobile aptitude compared to other groups and use their mobile devices, smartphones, to comparison shop, to price match and investigate products. And after all is said and done African-Americans are actually more likely to buy online.

A 2013 report from Adweek showed black people shop online more than other groups. According to the magazine higher income African-Americans shop online in record numbers. Half of black people surveyed made at least 30 percent of their retail purchases online. And at least 22 percent of high income blacks made at least half of their retail purchases online.

Holiday shopping is bad enough without being treated suspiciously when you walk in a store. A trillion dollars in buying power is nothing to laugh at. Using the Internet permits black people to shop and buy with dignity. Blacks are showing our willingness to stay away from brick and mortar stores when we feel we are not being treated properly.

 

 

 

Online Holiday Shopping 2015 – Stop Credit Card Fraud

Black people shopping online this holiday season should be aware that fraud is rampant. Hackers are extremely savvy and know where and how to steal credit card data. So you need to be just as savvy. African-Americans should understand where and how they are vulnerable when shopping, in stores or online. Don’t let a techno-Scrooge ruin your holiday.

According to NASDAQ, nearly 32 million Americans had their credit cards breached in 2014. Forty-five percent of those breaches happened online.  Now is the time to learn online safety to protect your credit, your cash, your identity and your holiday season.

First and foremost, by now you should have the new Chip & PIN or EMV cards. If not then you need to get a hold of your bank or credit card company and demand it. This new card is not perfect but it is far more secure than the regular magnetic strip cards. Of course it takes longer to process a transaction but isn’t it worth it to keep you money safe?

Here are a few tips to help you stay safe while shopping online.

  • Shop only at trusted websites and stores. Stick with the familiar retailers and more common internet sites.  Keep some cash on hand when you shop at unique stores or gift shops to avoid exposing yourself to fraud. Beware of misspellings or domain names using “.net” instead of “.com”. This a common trick used by cyber criminals to fool unsuspecting consumers. Check out “Is ThatWebsite Trustworthy?”

Google / TLS

  • Make sure you see “https” in the URL. Also look for the little green lock. You should be well aware of these things if you shop online anytime not just the holidays. And even if you are not shopping whenever you perform sensitive business online know what a secure website looks like.
  • Do your homework! Research the company or website before making a purchase in person or online. Check websites like Yelp.com or  Scamadviser.com to see what other consumers are saying. Look for a website’s customer rating. Check posts previous customers have written on the company’s website, blog, or customer feedback page.
  • Protect your privacy. Be suspicious of any store or website that asks for too much information. Information such as your PIN, birthday or Social Security number are strictly off limits. Only give up the minimum amount of personal information possible. Don’t store information on the website server. Some websites will ask you to register and keep your credit card number on file in a cookie. Decline this option of you can and purchase as a guest to the website. You may have to enter your information each time you buy but you are safer.  If you do create an account on a shopping website, or any website for that matter, make sure you have a strong and secure password. This makes it harder to be hacked or high-jacked by cyber crooks. Learn how to create a secure password.
  • Use filters that warn you of suspicious or fraudulent websites or web pages. Google Chrome is excellent for stopping you from visiting suspicious websites. Many anit-virus programs can do the same thing. Make sure your anti-virus/anti-malware is up to date.
  • Use a credit card versus a debit card when shopping online.  Why? Because credit cards offer protections from identity theft that debit cards don’t offer. Also credit cards offers you the option of contesting  fraudulent charges to your account where a debit card takes the money directly from you bank account. Its much harder to get back if something goes wrong.
  • Keep good records. Print a copy of your order confirmation, save email receipts, and write down any pertinent information in case it’s needed to contest a charge.
  • Never, ever shop using public computers! These computer are notorious for viruses and malware. They could be hiding all sorts of software to steal passwords and personal information. You have no idea who was there before you or what they were doing.
  •  Beware public Wi-Fi! This is a favorite hunting ground for cyber thieves. They can steal information by simply by being on the same network and watching what you do. But some cyber criminals are even providing free Wi-Fi in hotels and coffee shops as a trap for guests. Once you are on THEIR network you’re at their mercy. Be alert and know what network you are on and use a VPN to protect your Internet traffic from prying eyes.
  • As always check you bank account and credit card statements daily.  If you see any charges you don’t recognize, address the matter immediately. Don’t pay credit card bills until you know all your charges are accurate. You have 30 days to notify the bank or card issuer of problems. After that, you might be liable for the charges.

Happy Holidays!

Online Holiday Shopping 2015 – The Death of Black Friday

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Courtesy Stuart Miles

Everyone has a story about Black Friday. Sometimes its about a great deal on a flat screen TV or a horror story about the ugly crowds and inhuman behavior. Thankfully Black Friday is dead.

More and more online retailers are offering Black Friday deals throughout the holiday season. Amazon, one of the worlds’ largest online retailers, announced it’s Black Friday Deals Store . The store is open for all Amazon customers but Amazon Prime members will get a 30 minute head start on 30,000 of Amazon’sLightning Deals.”

On of the biggest selling items during the holiday season is consumer electronics. Everyone is wishing for a giant flat screen television, laptop or tablets and other electronic goodies. Online retailer Newegg is one of many retailers killing Black Friday.

Newegg is calling this month Black November as it prepares for the holiday season war for tech dollars. Although the company has not announced specific sale details it has outlined plans to kick off deals on more than 900 products that include sales all through the month and more deals on Cyber Monday.  Retailers are jumping on the band wagon describing their holiday sales plans minus details but with promises for more specific sale information later.

America’s store, Walmart, is also offering Black Friday prices online including Apple products like the iPad Mini. The trend for many retailers is to get Black Friday deals into the stores as early as possible for as long as possible. Smart shoppers will be walking the aisles early in November and getting the same or better deals than people waiting in line at 4:00AM Friday morning. The best deals with the best selection and availability are being offered now!

Black Friday is not what many shoppers believe it to be. First of all most deals on this ugly shopping day are extremely limited in price and quantity. For example last year a major retailer advertised a Black Friday sale on a particular microwave oven for $99 when the regular price was well over $300. Thousands of people lined up all over the nation for the bargain. The harsh reality is that each store was allotted only 15 of the appliances. Consumers who read the fine details of those sales flyers will see the disclaimer “limited quantities” written in small print.

Another Black Friday deception consumers need to be aware of is the inflating of prices. Many retailers will offer products at inflated prices only to slash the price on Black Friday creating the illusion of a great deal.

Retailers are well aware that many shoppers running through their stores looking for a great deal will find something they did not come there for. Impulse buying is a big money maker and the more eyes in the store the more items will be sold.

Most of the best Black Friday sales will be found online. TheBlackFriday.com website has an extensive listing of stores and products that are selling at Black Friday prices today! Shoppers can sign up for Black Friday price alerts sent to their email.

Another website pushing early Black Friday deals is BlackFriday.com (different from the one above). This site also offers pre-Black Friday prices for products and advertisement for online sales and email alerts as well.

DealNews.com offers list of the Top 5 Best Black Friday Deals Online that is heavy with the electronics retailers but of course Walmart is among the five.

Holiday Shopping; Now you know.