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5 tips for safe online shopping

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Cybercrimes are a common issue when shopping online — but there are ways to protect yourself.

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In the first quarter of 2024 alone, U.S. retail e-commerce sales totaled nearly $300 billion, according to the U.S. Census Bureau. But as popular as online shopping has become, there are also increasing risks to consider, as cybercriminals are constantly looking for ways to steal money and conduct identity theft.

In 2023, the FBI’s Internet Crime Complaint Center received a 10% increase in complaints from the American public, totaling 880,418, with potential losses of over $12.5 billion, a 22% increase from the year prior. But while there are a range of cybercrimes to worry about when shopping online, there are also ways to reduce the risks. 

And that starts with using a combination of common sense practices and technology. Here’s what you should know.

Find out how LifeLock can help protect your identity online now.

5 tips for safe online shopping

Consider the following five tips for safer online shopping:

Do your research

Part of the fun of online shopping is discovering new products from new retailers, but you want to keep your guard up if you’re buying from a site you’re not familiar with. One safe online shopping tip from the National Council on Aging is to review the Better Business Bureau (BBB) listings for these online companies. If an e-commerce site was set up to scam people, for instance, then you might see a lot of BBB complaints.

Sometimes online shopping involves buying from accounts through social media sites. In that case, you might take steps like seeing if they have verified profiles, as well as reading customer reviews.

Find out how LifeLock helps you fight back against online identity theft.

Review site security features

You should also review site security features, such as checking to see whether a website starts with https, which means the site encrypts information, explains the Federal Trade Commission (FTC).

But even if you think you know the site, you should still look for this information, as well as a padlock icon next to the URL, which serves as another security indicator. That’s because you might have made a mistake, like typing one wrong letter, that leads to a phishing site. These types of sites look legitimate but have been set up to commit credit card theft or identity theft

Be careful what you click on

One of the biggest dangers of online shopping is that you’ll fall victim to a phishing attack, which typically starts with an email claiming to be from a retailer or shipping company about your order. When you click on the link, though, the email takes you to a site that asks you to input information, like your bank or credit card numbers, which goes directly to cybercriminals, for example.

So, it’s important to be careful about any links you click on, not only through email but also other channels, like social media platforms and pop-up ads. If you’re not sure of the validity, try going directly to the source. For example, instead of following the link in an email about your supposed Amazon order, go directly to your Amazon account from your web browser to check the status of that order.

That said, accidents happen, and it can be hard to always know what’s safe or not. In turn, it can be helpful to have backup. Using a service like LifeLock can improve your online shopping privacy while also giving you the protections you may need in case you do become a victim of identity theft or credit card theft. For example, LifeLock Ultimate Plus memberships provide up to $1 million in stolen funds reimbursement. 

Use a VPN

Another way to reduce the risks of online shopping is to use a reputable virtual private network (VPN) provider for browsing online, especially if you’re using a public Wi-Fi network.

As the National Cybersecurity Alliance explains, public networks, like those at cafes or airports, aren’t very secure. If using these networks while online shopping, it’s possible that a bad actor would be able to digitally see you input your credit card information, for example, and that could enable them to use that data themselves. But connecting via a VPN can help you gain more privacy if you need to complete an order while out.

Here too, LifeLock can help, as memberships come with VPN access.

Consider your payment method

When it’s time to complete your order, think twice about how you pay for the purchase.

One way to reduce the risks of online shopping is to pay by credit card, as the FTC suggests. That’s because you have the right to dispute credit card charges, and you might face less liability for fraudulent purchases compared to some other payment methods.

If you want to go a step further, you can use a virtual credit card number, which many credit card companies offer. That way, if the virtual card number gets exposed, at least your main credit card number can remain unknown. Virtual credit cards can also have lower spending limits, which can limit the fallout of a breach.

Lastly, be mindful of situations where an online store asks for a specific, niche payment method and won’t accept others. Asking for payment using gift cards or wire transfers is a red flag that means you shouldn’t go through with the transaction, according to the FBI’s Portland, Oregon field office.

The bottom line

Online shopping can be fun, but it also can be risky. To reduce the chances of financial fallout due to issues like online shopping scams or data breaches, it helps to follow these best practices. It can also help to use safer online shopping technology and identity monitoring services in conjunction, like those from LifeLock.



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Social Security Fairness Act passes U.S. Senate

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Legislation to expand Social Security benefits to millions of Americans passed the U.S. Senate early Saturday and is now headed to the desk of President Joe Biden, who is expected to sign the measure into law.

Senators voted 76-20 for the Social Security Fairness Act, which would eliminate two federal policies that prevent nearly 3 million people, including police officers, firefighters, postal workers, teachers and others with a public pension, from collecting their full Social Security benefits. The legislation has been decades in the making, as the Senate held its first hearings into the policies in 2003. 

“The Senate finally corrects a 50-year mistake,” proclaimed Senate Majority Leader Chuck Schumer, a Democrat from New York, after senators approved the legislation at 12:15 a.m. Saturday.

The bill’s passage is “a monumental victory for millions of public service workers who have been denied the full benefits they’ve rightfully earned,” said Shannon Benton, executive director for the Senior Citizens League, which advocates for retirees and which has long pushed for the expansion of Social Security benefits. “This legislation finally restores fairness to the system and ensures the hard work of teachers, first responders and countless public employees is truly recognized.”

The vote came down to the wire, as the Senate looked to wrap up its current session. Senators rejected four amendments and a budgetary point of order late Friday night that would have derailed the measure, given the small window of time left to pass it. 


Some seniors shut out of full Social Security benefits

02:20

Vice President-elect JD Vance of Ohio was among the 24 Republican senators to join 49 Democrats to advance the measure in an initial procedural vote that took place Wednesday.

“Social Security is a bedrock of our middle class. You pay into it for 40 quarters, you earned it, it should be there when you retire,” Ohio Senator Sherrod Brown, a Democrat who lost his seat in the November election, told the chamber ahead of Wednesday’s vote. “All these workers are asking for is for what they earned.” 

What is the Social Security Fairness Act?

The Social Security Fairness Act would repeal two federal policies — the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) — that reduce Social Security payments to nearly 3 million retirees. 

That includes those who also collect pensions from state and federal jobs that aren’t covered by Social Security, including teachers, police officers and U.S. postal workers. The bill would also end a second provision that reduces Social Security benefits for those workers’ surviving spouses and family members. The WEP impacts about 2 million Social Security beneficiaries and the GPO nearly 800,000 retirees.

The measure, which passed the House in November, had 62 cosponsors when it was introduced in the Senate last year. Yet the bill’s bipartisan support eroded in recent days, with some Republican lawmakers voicing doubts due to its cost. According to the Congressional Budget Office, the proposed legislation would add a projected $195 billion to federal deficits over a decade. 

Without Senate approval, the bill’s fate would have ended with the current session of Congress and would have needed to be re-introduced in the next Congress. 



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Saturday is the winter solstice and 2024’s shortest day. Here’s what to know about the official start of winter.

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The 2024 winter solstice, the shortest day of the year, happens on Saturday, Dec. 21, in the Northern Hemisphere. The celestial event signifies the first day of winter, astronomically. 

What is the winter solstice?

The winter solstice is the day each year that has the shortest period of daylight between sunrise and sunset, and therefore the longest night. It happens when the sun is directly above the Tropic of Capricorn, a line of latitude that circles the globe south of the equator, the National Weather Service explains. 

The farther north you are, the shorter the day will be, and in the Arctic Circle, the sun won’t rise at all. 

How is the day of the winter solstice determined?

The winter solstice occurs because of the Earth’s tilt as it rotates around the sun. 

When the Northern Hemisphere tilts away from the sun, the nights last longer. The longest night happens on the solstice because the hemisphere is in its furthest position from the sun. That occurs each year on Dec. 21 or 22. 

This year, it falls on Dec. 21 at 4:21 a.m ET, to be precise.

On the summer solstice, when the northern tilt is closest to the sun, we have the longest day, usually June 20 or 21.

Illustration of the Earth's tilt in different seasons
This illustration from the National Weather Service shows the tilt and rotation of the Earth on the winter and summer solstices, as well as the autumnal and vernal equinox marking the beginning of fall and spring.

National Weather Service


The solstices are not always exactly on the 21st every year because the earth’s rotation around the sun is 365.25 days, instead of 365 even. 

Will days start getting longer after the winter solstice?

Yes. Each day after the solstice, we get one minute more of sunlight. It doesn’t sound like much, but after just two months, or around 60 days, we’ll be seeing about an hour more of sunlight. 

When will winter officially be over in 2025?

The meteorological winter ends on March 20, 2025. Then, spring will last until June 20, when the summer solstice arrives. 

How is the winter solstice celebrated around the world?

Nations and cultures around the world have celebrated the solstice since ancient times with varying rituals and traditions. The influence of those solstice traditions can still be seen in our celebrations of holidays like Christmas and Hanukkah, Britannica notes.

The ancient Roman Saturnalia festival celebrated the end of the planting season and has close ties with modern-day Christmas. It honored Saturn, the god of harvest and farming. The multiple-day affair had lots of food, games and celebrations. Presents were given to children and the poor, and slaves were allowed to stop working. 

Gatherings are held every year at Stonehenge, a monumental circle of massive stones in England that dates back about 5,000 years. The origins of Stonehenge are shrouded in mystery, but it was built to align with the sun on solstice days

Winter Solstice at Stonehenge
People gather at sunrise for the winter solstice celebrations at the Stonehenge prehistoric monument on Salisbury Plain in Wiltshire, England, on Dec. 22, 2021.

Andrew Matthews/PA Images via Getty Images


The Hopi, a Native American tribe in the northern Arizona area, celebrate the winter solstice with dancing, purification and sometimes gift-giving. A sacred ritual known as the Soyal Ceremony marks the annual milestone.

In Peru, people honor the return of the sun god on the winter solstice. The ancient tradition would be to hold sacrificial ceremonies, but today, people hold mock sacrifices to celebrate. Because Peru is in the Southern Hemisphere, their winter solstice happens in June, when the Northern Hemisphere is marking its summer solstice.

Scandinavia celebrates St. Lucia’s Day, a festival of lights. 

The “arrival of winter,” or Dong Zhi, is a Chinese festival where family gathers to celebrate the year so far. Traditional foods include tang yuan, sweet rice balls with a black sesame filling. It’s believed to have its origins in post-harvest celebrations. 

Researchers stationed in in Antarctica even have their own traditions, which may include an icy plunge into the polar waters. They celebrate “midwinter” with festive meals, movies and sometimes homemade gifts.



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