Shopping...Online vs. the Mall
Careful with your clicks when bucks are at stake.
Look for the padlock or key at the bottom of your browser.

Is shopping online safe?

Yes, if you're a smart shopper.

There are justifiable fears that hackers could steal credit card numbers and personal information. But criminal risks exist for shoppers at local stores, too.

Web sites are secure because of something called encryption.

Basically, it's a mathematical process that scrambles information as it travels through cyberspace, and then puts it back in order when it reaches its destination.

Two ways to tell if a site is secure are:

You can use the Better Business Bureau's web site to research a company before buying online.

Don't let virtual money burn a virtual hole in your virtual pocket.
Secure web sites use encryption to scramble information as it travels through cyberspace.

Many people recommend sticking to sites that have good reputations, such as Amazon.com, eBay, etc., or other familiar companies.

Shop carefully, even in cyberspace. Read online information carefully to determine if minimum purchase requirements apply. A bargain price pales if you have to buy six!

When comparing the purchase price of an item, remember to add shipping, handling fees, and sales tax.

Avoid express shipping: it's much more expensive than basic ground service.

Online retailers usually e-mail confirmation and tracking numbers. Keep this information in case there's a problem or if you need to return the item.

I got a deal!
The holiday season is a very important time for online retailers.

So which is it—the real mall or e-mall?

That depends on you and what you buy. Most teenagers like hanging out with friends at the mall. Real mall shopping has pitfalls, too. You might:

Some downsides to online shopping are that you:

However, you can do both. Wherever you shop, be smart and savvy to get the most for your money.

True or False: Andrew Jackson adopted two Native American sons. Click Andrew's head for the answer.
TRUE: Despite forever being associated with the ethnic cleansing of Native Americans and the Trail of Tears, Jackson adopted two Native American infants during the Creek War in 1813 and 1814.
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First Nebraska Educators Credit Union

What makes credit unions so great? Members like you.

Every dollar you invest in your credit union earns you money while other members borrow it.

When you're ready for a loan, other members' savings will be there to help you out at the lowest possible cost.

NCUA
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First Nebraska Educators Credit Union


What makes credit unions so great? Members like you.

Every dollar you invest in your credit union earns you money while other members borrow it.

When you're ready for a loan, other members' savings will be there to help you out at the lowest possible cost.