3 simple ways to protect yourself

Sites that can help you stay safe online

Get the right security software

In recent tests, we found two great, downloadable programs that protect against viruses, spyware, and other online threats at no charge. Try Avira, at www.free-av.com, or Microsoft Security Essentials, at www.microsoft.com/security_essentials.

Fight fraud

There are several useful resources for ensuring your online safety. Bookmark these!

FTC.gov

The Federal Trade Commission's site has lots of fact sheets that tell you what to do you if you've been scammed. Under the Consumer Protection tab, click on "Consumer Information" and then "Shopping for Products & Services." Don't miss the helpful primers on what to do if you're billed for merchandise you never receive and "How to right a wrong."

Safeshopping.org

This site is sponsored by the American Bar Association and is packed with advice on safe payment methods, protecting your privacy when you shop, and other need-to-know topics.

OnGuardOnline.gov

This site has tips on Internet shopping and is sponsored by government agencies. Quizzes test your knowledge of spyware, online auctions, ID theft, and more.

Antiphishing.org

The Anti-Phishing Working Group, an industry-sponsored association, has a tip sheet on how to avoid being scammed. Click on "Consumer Advice," then "How to Avoid Phishing Scams."

Check sellers

Before you do business with anyone, go to the Better Business Bureau, at www.bbb.org/us. Grades A to F are based on how long the seller has been in business and how good a job it does resolving complaints. Other sites that are worth a look include SiteJabber.com, Complaints.com, and RipoffReport.com, for its user reviews. Also do a Google search of the site or retailer and the word "complaints."