Most websites have privacy policies, but value of privacy statements are only as honorable as people behind websites. Here are suggestions for keeping passwords and your information secure:

And that's particularly true in fast-changing world of laptop computers, where you'll find three bargain sources right at your fingertips:

================== 1. Clearance Sales ==================

Just like many brick-and-mortar retail stores, many computer manufacturer websites have clearance sections. On these web pages, you can find great deals on last year's leftovers.

These are all new products (unless otherwise stated) and carry their original warranties. The only difference is that price has been reduced.

Of course manufacturers aren't only ones with clearance merchandise.

Major electronics and office supply retailers also include clearance sections on their websites, where you may be able to find laptop bargain of your dreams.

====================== 2. Refurbished Laptops ======================

Factory refurbs represent another great bargain opportunity. It works something like this:

- Joe Blow buys a new laptop, but decides a week later he doesn't like color.

- He takes it back to store within store's stated return period, so store is stuck with it.