(3) Keep all your important personal information safe.

Don’t give them to strangers who may call you over phone or request them by e-mail.

Personal information includes: your address, e-mail address, phone number, social security number, drivers license, age, information about your family.

Don’t give them to any stranger and, also, teach your children not to do so.

(4) Keep your passwords private.

When creating a password, avoid using phone numbers, birth dates or social security numbers.

Be creative. Use a password that is not easy for others to guess, and yet not easy for you to forget.

Change your passwords often. Use phrases to help you remember them.

Don’t disclose passwords to anyone.

(5) Use a credit (but never debit) card to make your payment.

Be sure to keep all credit card payment receipts. Check your credit card account statements to be able to spot any unauthorized charges.

When you buy certain goods and services from some companies, sometimes they will keep billing you thereafter. So scrutinize your statements. If you see a charge you’re not sure of, call billing merchant and check it out.

Keep your credit cards secure.

Avoid making a payment using your credit card on a public computer.

Report any lost credit cards immediately and have them cancelled. Don’t give anyone that you don’t know your credit card number.

(6) Read return policy before placing an order.

Be sure that you read and understand return policy and warranty.

(7) Read and understand company’s privacy statement (or policy).

A privacy statement tells you how and why a business is collecting your information, and how that information may be used. You may find company’s privacy statement (or policy) at very bottom of home page or inside their "Terms & Conditions" or "Terms of Service" (TOS).

(8) Use a secure browser and server.

Be sure whatever browser you’re using complies with industry’s security standards, such as secure sockets layer (SSL).

This security protocol scrambles or encrypts personal information you send over Internet to ensure your transaction is secured.

How do you know if server is secure where you’re making a payment?

If a Web site is using secure technology, its Web address begins with https and a tiny locked padlock appears at bottom right corner of screen. (9) Check out a few stores and compare prices before buying. Look for hidden costs such as shipping and handling.

(10) Use Yahoo Search Engine for all your searches.

Yahoo continues to be, not only largest online company, but also, best Search Engine.

Unlike other popular Search engine, which keeps companies in a sandbox for many months and refuses to give them rankings for many months, Yahoo is pro business and gives immediate rankings to companies and business.

Their search result is also excellent. That may be one reason why 60% of people online (including me) love Yahoo.

Also, they have most reliable and best hosting service in world.

For these reasons, I strongly recommend you use Yahoo to do all your searches.

Happy and safe online shopping.

Warmly,

I-key Benney

"Do not think that love, in order to be genuine, has to be extraordinary. What we need is to love without getting tired."

Love can be teacher of tolerance, acceptance and forgiveness. Life will present opportunities to learn these qualities, however, love enlightens your awareness and can be ultimate impetus towards forgiving, towards tolerance and acceptance beyond a human level.

I myself have learned to forgive others when it seemed humanly impossible, while keeping my heart open to spiritual love I have for my Creator.

You can love a thing, love a person, love yourself, love your country, love your job. Learning how to feel this love without becoming possessed by object of your love, takes a bit of wisdom. I remember back in my hippie days sentiment was, 'If you love a thing, let it go.' Of course, life back then also included ‘Love one you’re with’ which on surface sounds harmless enough but rest of message was one of reckless abandonment.

When one spirit connects with another, smitten by a love not equated with physical attraction, it is in my opinion, a love meant to be. You become soul mates and are forever connected. Even if, on this planet, you never meet again.

I love. I love Richard, my husband, my best friend and my soul mate, a man with an enormous capacity to love me without possessing me. I love my son, Ross, born with an old soul full of wisdom beyond his years who continues to blow me away with his gift of discernment. I love Denise; my son’s soul mate whose calm laid back approach to life balances my son’s intensity and creates a loving environment for her children. I love my grandson Zachary who, at age of four has ability to inspire me to be a better person. I love my granddaughter Isabella whose smile and giggles have power to lift heaviest of moods.

I love my pets. I love good chocolate. I love Blues. I love to color, write, to read and I love to learn. I love to laugh. I love being alone. I love my family who has learned that although I don’t fit mold of what’s expected and considered ‘norm’, they’ve learned to love me anyways. I love checking off things on my to-do-list. I love a challenge. I love my job working with seniors and with those in elder care business.

Love is creator of inspiration. As you plan to celebrate 14th, use a little imagination to find perfect expression of love that you hold for your children, spouse, other family members, and your friends. And if you feel up to a challenge, share some of that love with a person who may be hard to love. Make it a day of giving of yourself as you celebrate one day on our calendar dedicated to love. Because Love is a feeling in motion that once shared remain precious for all of eternity.