Don't Be Fooled By Internet Crime

The Anti-Phishing Working Group reminds consumers to be cautious regarding suspicious e-mail, instant messages or text messages that appear to be from online retailers, banks or auctions sites.

Phishing is a form of Internet crime in which the perpetrator(s) attempt to fool people into giving out personal information by guiding them to a fake bank, retail or other company website which is almost identical to a legitimate site. According to the Anti-Phishing Working Group, there has been a 600-percent increase in criminal "phishing" attacks this year.

Consumers may want to avoid responding directly to phone calls or e-mail communication claiming to be from a bank or other company they do business with. Also, consumers should be wary of clicking on links in e-mail messages that claim to be from familiar companies. It is suggested that consumers call the customer service number listed on their monthly account statement to verify that any communication received is legitimate.

The Anti-Phishing Working group is an association of professionals and organizations that have combined forces to fight Internet crime.

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Save Money By Negotiating

Before you negotiate, CNNMoney.com suggests researching prices on your particular item of interest. The more information you have before you bargain, the better your chances may be for getting a good deal. Reatail negotation can be effective tool to help you save money towards your debt settlement savings account.

Also, negotiate nicely and consider a deal that would be advantageous to both buyer and seller. If a retailer is trying to get rid of a floor sample, would it be possible to get a discount? If you can think of a way to bring them new business, could they lower the price? If you pay in cash, would that better your chances for a discount? Try to speak with a manager or senior level employee since they are usually the key decision makers.

Of course, there is no guarantee that a retailer will negotiate with you or offer a discount. If you hear 'no' as an answer, CNNMoney.com suggests keeping your cool. Try to remember to be polite or you may get the reputation of being a bad customer.

If you do decide to try bargaining or negotiating, you may want to consider some advice from MSNBC.com: Be careful when dealing with strangers and remember, if you are in business and decide to trade your expertise for products or business services, those transactions should be reported to the Internal Revenue Service as income. For more information go to irs.gov.