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3 Simple Ways To Save A Bunch Of Money When Buying A New Computer!
by: Kris Bickell
Looking to buy a new computer?

Overwhelmed by all of the options available to you?

Stressed by the high cost of computers today?

For most people, buying a new computer does not have to be as stressful as buying a new car. Nor does it have to be as expensive. If you’re like most people, and you have a limited budget for buying a computer, then you need to try to get as much computer for your money as possible.

Here are 3 simple ways anyone can save money when buying a new computer:

1) Shop around for best deal.

Sounds pretty obvious. But many people don’t realize they don’t need the fastest, most expensive computer with the most “extras”. In fact, if you are already using an older computer, even the least expensive new computer will be a big upgrade. If you don’t know a lot about computers, you can learn a lot by shopping around. Ask lots of questions, compare prices, compare features, then find the best price. Shop at your local electronics store, and look for the best deals online. You’ll be surprised at how much money you can save by shopping around!

2) Install your own “extras”

Many computers you will find in a store have a lot of extra software already installed. While this is convenient, it is not always the best way for you to save money. Also, while many of these extras sound good, you don’t always need them. You can often find better deals by shopping around separately for your own software extras (such as a word processor, anti-virus, popup blocker, spyware removal, games, etc). And some of these you can get for free. So before you buy the “fully loaded” computer, ask yourself if you really need all the extras, then shop around to see if you can buy a scaled down computer - and get the extras yourself for much less!

3) Don’t buy extended warranty

If you are not a computer “techie”, the extended warranties offered by the computer retailers often sound like a good idea. After all, who wants to be bothered paying for service on a computer after you buy it. But keep in mind that most computers come with a warranty, and most computer problems will either happen at the beginning (when you still have the warranty in effect) or much later (when it might be cheaper to buy a new computer). Technology changes very quickly these days. So consider whether or not it’s worth the inflated price of the extended warranty. And, if you really feel you need the extended warranty, then ask to purchase it at a lower price. Not all retailers will negotiate on the warranty, but some will. And whether you buy the extended warranty or not, make sure you back up all your files periodically, just in case!

If you have an unlimited budget, consider yourself lucky. And if you do business on the computer, make sure you get what you need, while trying to keep the price down. At any price, buying something that does not fit your needs is not a good deal.

Hope you find these tips helpful, and happy computer shopping!

About the author:
Kris Bickell is the owner of Hi-Speed-Internet.com, a helpful site for consumers comparing high speed internet services. For information on high speed DSL, Cable, and Wireless Internet, visit: http://www.Hi-Speed-Internet.com,and sign up for the free email course “5 Simple Ways To Increase Your Computer Speed”. © 2005 Hi-Speed-Internet.com


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 Shop Safely - How to Protect Yourself When Shopping Online
 by: Clive Chansa

Online shopping offers many benefits that you won’t find shopping in a brick and mortar store or by mail. The Internet is always open seven days a week and 24 hours a day. Internet-only deals and bargains can be numerous online. Shopping on the Internet is no less safe than shopping in a store or by mail. Keep the following tips in mind to help ensure that your online shopping experience is a safe one.

1. While Online Order Only On A Secure Server.

Use a secure browser and shop only at websites that offer encryption protection. A protected website will have one or more of these three features:

a) The small lock or key symbol at the bottom of your browser window;

b) An address that starts with https ("s" for "secure") instead of just http; and

c) A security warning box that pops up at the point of purchase.

Your browser should comply with industry security standards, such as Secure Sockets Layer (SSL). These standards scramble the purchase information you send over the Internet, helping to secure your transaction.

2. Pay The Safest Way.

Use a credit card or Debit Card with a safe online shopping guarantee. Look for a card with specific guarantees, like 100% coverage for any losses due to fraud when shopping on the Internet. Many companies offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some cards may provide additional warranty, return and/or purchase protection benefits.

3. Protect Your Privacy.

Look for and read a website's privacy and security policy. Stay clear of a website that either doesn't have one or does not guarantee your personal information will not be sold. This policy should disclose what information is being collected on the Web site and how that information is being used.

4. Know Who You're Dealing With.

Research your merchant. Look at the ratings consumers give them and stay clear of websites that either aren't listed or receive poor marks. Shop with companies you know. Anyone can set up shop online under almost any name. If you’re not familiar with a merchant, ask for a paper catalogue or brochure to get a better idea of their merchandise and services. Also, determine the company’s refund and return policies before you place your order. These should be posted on the company’s Web site.

5. Keep A Record.

Print out a copy of your order and confirmation number for your records. Reputable merchants will usually send you an email confirming your order. However a hard copy is always good to have in case your order is lost, deleted or not delivered as promised.

6. Guard Your Online Password.

Keep your password(s) private. Be creative when you establish a password, and never share your website passwords with anyone. Write them down and store them in a safe place. Avoid using a telephone number, birth date or a portion of your Social Security number. Instead, use a combination of numbers, letters and symbols. Do not use the same username and password at every website. Should your personal information be compromised, a thief won't get very far if you use different passwords and usernames on different websites.

7. Track Your Purchases.

Use only one credit card to shop with online. This helps keep track of your online purchases during the holidays, and will make it easier to spot purchases that are fraudulent. Look for a card that allows you to review transactions online as well -- you'll be more likely to notice a problem early on.

8. Keep Personal Information Private.

Don't enter more information at a merchant website than is absolutely necessary. There is usually no reason why you should have to supply information such as birth dates or Social Security numbers when making a purchase. Fill in only the bare essentials necessary to make your purchase. If you have children, teach them to check with you before giving out personal – or family – information online.


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