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Protecting Yourself
Limit your exposure to avoid sunburn. If you tan with a device, ask whether the manufacturer or the salon staff recommend exposure limits for your skin type. Set a timer on the tanning device that automatically shuts off the lights or somehow signals that you’ve reached your exposure time. Remember that exposure time affects burning and that your age at the time of exposure is important relative to burning.
Knowing your Tanning Lotion
Some suntanning products don’t contain sunscreen. It only takes a few bad sunburns to raise the risk of skin cancer, and skin damage builds up over years even when no burning occurs. This is why sunscreen, which blocks UVA and UVB, is recommended. The FDA has expressed concern about suntanning products without sunscreen, and encourages consumers to check the labels for SPF protection.
Sunscreen is regulated by the FDA as an OTC drug. Look for products with a sun protection factor (SPF) of 15 or more. The higher the number, the better the protection. Sunscreen should be liberally applied to skin 30 minutes before going out in the sun, and then every two hours after that.
Tanning Salons
It’s true that most sun lamps emit mainly UVA radiation, and that these socalled “tanning rays” are less likely to cause a sunburn than UVB radiation from sunlight. But, contrary to the claims of some tanning parlors, that doesn’t make them safe. UVA rays have a suspected link to malignant melanoma, and, like UVB rays, they also may be linked to immune system damage.
Tanning Safely
We urge you to find out more about self tanning. You can self tan with a Sunless tanning lotion. Sunless tanning lotion is a tanning lotion that gives you that great tan without the dangers of UVA and UVB! Find out more about Self Tanning!
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While not investing at all or putting off investing until later are big mistakes, investing before you are in the financial position to do so is another big mistake. Get your current financial situation in order first, and then start investing. Get your credit cleaned up, pay off high interest loans and credit cards, and put at least three months of living expenses in savings. Once this is done, you are ready to start letting your money work for you.
Don’t invest to get rich quick. That is the riskiest type of investing that there is, and you will more than likely lose. If it was easy, everyone would be doing it! Instead, invest for the long term, and have the patience to weather the storms and allow your money to grow. Only invest for the short term when you know you will need the money in a short amount of time, and then stick with safe investments, such as certificates of deposit.
Don’t put all of your eggs into one basket. Scatter it around various types of investments for the best returns. Also, don’t move your money around too much. Let it ride. Pick your investments carefully, invest your money, and allow it to grow – don’t panic if the stock drops a few dollars. If the stock is a stable stock, it will go back up.
A common mistake that a lot of people make is thinking that their investments in collectibles will really pay off. Again, if this were true, everyone would do it. Don’t count on your Coke collection or your book collection to pay for your retirement years! Count on investments made with cold hard cash instead.
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Contacting Customer Service Immediately
Mistakes made when online shopping are typically realized either immediately after the purchase is made or else they are not realized until the order arrives. However, regardless of when the mistake is realized the first step for correcting the problem is the same. As soon as an online shopper realizes a mistake was made with his order, he should contact customer service immediately. In situations in which the mistake is realized immediately after the order is placed, correcting the mistake may be fairly simple as long as the online shopper contacts customer service to describe the problem immediately. If the order has not yet been processed, the customer service representative may be able to make the corrections before the order proceeds. However, many online retailers have their online shopping process completely automated which can make it difficult to make changes to the order even when it is recognized immediately. This may occur because the order has already been transferred to the shipper and the online retailer no longer has the ability to the files.
Even when a consumer does not realize a mistake has been made until the item arrives, he should still contact customer service immediately to report the problem. This is useful because this first call to customer service will start a record of the problem which will be useful in getting the problem resolved. The customer service representative can provide valuable information the consumer can use to rectify the problem as quickly as possible.
Making Returns when Necessary
When mistakes are made with an online purchase, it is often necessary to return the items to the online retailer. Online retailers who also have traditional stores may allow the online shopper to return the items purchased online to a traditional store. The other option for making returns is to ship the item back to the online retailer directly.
Depending on the cause of the mistake there may be different options available for returning the item to the online retailer. If the online retailer is at fault they may assume the responsibility for the cost of the shipping and may even make arrangements to have the shipper pick up the item from the shopper’s home. This is both cost effective and convenient for the shopper. However, when the shopper is returning the item because he made a mistake or simply did not like the item the consumer will likely be responsible for the cost of shipping the item back to the online retailer.
Tips for Avoiding Mistakes when Online Shopping
Although correcting mistakes made during online shopping is not always difficult it is far better to try to avoid these mistakes in the first place. The best way to avoid mistakes when placing an order online is to carefully review the purchase before submitting the order. Most online retailers provide shoppers with the opportunity to verify information such as the items being purchased, shipping address and billing information before the purchase is submitted to the online retailer. Online shoppers should carefully review all of the information provided on this verification screen to help avoid making mistakes which can be costly in terms of time or money.
Mistakes when online shopping can also be avoided by placing the order through a customer service representative as opposed to through the online retailer’s website. This method can help to limit the potential for mistakes because the consumer has the opportunity to converse directly with a representative who can answer any questions the consumer has about the product. Therefore, mistakes which often result from the consumer misreading the product description can be avoided.