Advantages of online deposits:
- Convenience of recruiting from home, without wasting time going to an office or standing in queues.
- Deposits online lately to offer a higher interest on deposits contracted in office, due to lower costs involved for the bank offers the Web.
- In the online deposit deadlines are shorter than traditional ones.
- The minimum requirements are lower in an internet deposit in a bank engaged in a physical.
- Most do not require products (such credit cards, insurance etc..).

Disadvantages of deposits online:

- If you have problems and want to go to claim in an office can not.
- Some people may suspect of security in online transactions on the computer. One can become a victim of fraud or hacking.
- Some online banks do not receive the same warranties from the government (mainly because they are foreign entities). Keep that in mind.

* Check the price that makes the product to store and compare it to what the cost is on the Internet, it is necessary to add the shipping charges.
* Visit and find Web sites where possible telephone or personal contact, and show a physical address location of the establishment, plus phone numbers of customer service. Call and determine whether trade is legitimate. Ask any questions you deem necessary. If you never answer or the number does not exist, shop elsewhere.
* Take note of phone and email address for making complaints, and the procedure for their establishment.
* Pay attention to product data that appears on-line, its color, size, number of units and presentation, and compare with a photo of yourself to avoid misjudgments.
* Carefully read the conditions, such as probation, return, expenses, warranty and after-sales or technical services.
* Set a deadline or pay close attention to the already established, especially if you need the product or service for a specific date, such as during the holiday season.

Regardless of where you go to make the purchase, the vendor or Web site must provide alternatives to make your payment, so you can choose the most appropriate:

* Online payment by credit card.
* Deposit referenced in bank branch
* Pay by Phone Card
* Transfer online referenced
* Personally or by mail

After making the purchase:

* Upon completion of your order, should appear a page that summarizes your transaction, plus it is likely to receive an email confirmation. Print both documents, and a page with the business name, address, telephone number and legal terms of your purchase, and keep it until the end of the period of warranty.
* Agree on a place and time of delivery of the goods, and try to be present to receive it, to avoid delays in the time or expense.
* When you receive your order, check that there is no faulty, test it as soon as possible and make sure they are all parts, accessories and manuals.
* Investigate how to proceed if you want to cancel your purchase, once you have paid and received, and what are the costs and time limits for such repayment.
* When you finish shopping, unplug your computer. If you usually leave it on and connected to the network all day, you are creating an ideal situation for scammers who want to install malware on your computer can be controlled remotely to commit cyber crimes.

Stay alert
Review the statements of their cards as soon as you receive to make sure you have not been charged unauthorized charges. Do not ignore small amounts, although at first may think are mistakes. Fraudsters often make small charges in the accounts to verify that the credit card is in use before carrying out much larger charges.

Make all your purchases online by credit card, not only is the easiest way to buy but also if an incident occurs, the damage will be minor.

With these simple precautionary measures and sufficient, able to take care of their personal finances and make their Christmas presents on time under the tree.

As usual, we want to clarify that these are some safety recommendations, however, daily new forms of deception, so always be necessary to be aware of the newest forms of online fraud.

To identify a fake online store always check the Web address, as it may seem proper, may contain spelling mistakes in the name of the company or keep hidden links leading to malicious pages.

Unsolicited Offers
You may also reach him e-mails with very tempting offers, which may be scams, where attackers can steal confidential information from users (phishing). Never buy products that are offered by spammers or people who send email with special offers you did not order (junk mail or SPAM), or respond to an e unknown, as this confirms your email address and may be disclosing personal data to criminals such as name, address, phone number and even the number of your card credit.

Beware of mail
Often fraudsters send emails that appear to come from legitimate companies, but tell recipients to click on a link address, in an attempt to obtain your personal information and facilitate identity theft or other crimes. Clicking on a link in a fraudulent email could install spyware onto your computer.
Never provide personal details via email, as this information is not encrypted or protected and can be forwarded without your permission. Disclose data like this jeopardizes their safety and that of his family.

How to check security
To achieve a rewarding experience to do their Christmas shopping over the Internet, pay attention to the following:

* Ensure that the electronic address (known in English as the URL or Uniform Resource Locator) of the page where the payment to be made in the letter s protocol (https or shttp) and in the bottom right in status bar icon has a padlock or an unbroken key, which means that information indicating that the purchase is encrypted or protected and therefore it is operating in a safe place.
* Check in the same way the seller’s reputation scores in the forums or other buyers have made it.
* Buy only known sites and protection technology, or programs.
* Choose auction sites or sales of second hand with cash on delivery option
* Avoid using money transfer services that allow verifying the identity of the counterparty.
* Analyze the price of the product and compare it with similar. Brand items offered at very reduced prices could be counterfeits.
* Do not buy illegal or dangerous items.
* Beware of bargains and oversupply that do not offer guarantees. Do not believe in promotions and gifts “extraordinary” company to which they have not shared their data.
* Use your common sense or intuition. If you detect any abnormal situation on the site, such as excessive spelling and grammar, an improvised or inefficient system design, incredibly low prices, or do not have contact information or identification, report to the Federal Consumer Protection Agency.

The most popular items this holiday season may have increased the cost in stores, so do the Christmas shopping over the Internet can be a good way to save time, money, gasoline and even energy, avoiding crowds and last-minute setbacks .

Virtual stores are open 24 hours a day and offers images and technical information products, in addition to establishing various mechanisms of delivery and payment. You can consult the manufacturer’s website or brand to know all the characteristics of the product before buying it, and several sites offering to compare models and prices to make a purchase reasons.

Secure online Christmas
The main reasons that users have for online shopping are convenience and price, together with the large existing supply. In addition, sometimes the network of networks is the only way to acquire certain products and services.

The online buying process is so simple that some people causes some mistrust, because we are accustomed to dealing directly with the seller, a process of bargaining and exchange of securities and in this case, the process is simple: bank details are entered on a form, you press the buy button and the product is expected to arrive home. However, this procedure is not without shortcomings or problems, including incorrect charges or delivering products or services that do not match what the website offered.

This, combined with being exposed to possible fraud, identity theft and attacks by crackers, make that a buyer should be more attentive mail in the stores that are not virtual, so it is necessary to know all the risks and measures security necessary to make a purchase more effectively.

To avoid economic hard times and losses, it is necessary to ensure that the site where we make our purchase or possess some features of computer security standards before you click the buy button.

To say the least possible
Most retail sites require users to register on the site (log-in), capturing an alias and a password. You may also request real and personal data in some form, in addition to their recreational habits, or an estimate of their income.

It is advisable to provide only the information strictly necessary. Fill only required fields are marked with an asterisk (*) and where necessary be sure to protect your identity. Never answer a question that you may not consider appropriate for the transaction. If requested as mandatory, not provide it and find another place to make your purchase.

Read the privacy policy
The register may have other questions that are not mandatory, that supposedly can be filled to form part of a customer database, but you have full right to know how we use and share personal information you provide.

Read the “Privacy Policy” before registering somewhere and make your purchase, and avoid taking terms indicating that your data will be sold to third parties, as these can be used for commercial purposes unfriendly, such as sending mass emails (spam), direct mail or unwanted phone calls.