Shopping on the internet

In this modern world, you no longer have to leave the privacy of your home to go shopping.  This is definitely not a new concept by any means.  Those who’ve made use of the home shopping network know exactly what I mean.  This form of shopping used to be restricted to you television set and phone line.  Well, not any more.  The home shopping network is now available online.  No matter what you may be looking for, this online super-store will surely cater to your every whim. 

We live in a world where shopping in malls and outlet stores is becoming obsolete.  Whereas this certainly may not seem the case, despite the heavy crowds around shopping centers, many of us are staying at home and getting all that we need.  We can even purchase groceries on line now days.  The home shopping network is a highly accessible place to find linens, cosmetics, dishes, and jewelry for comparable prices.  Anything can be delivered to your home.  This is especially convenient for those who have trouble getting around.  If you have online access or a phone, you’re set. 

With the abundance of online stores ravaging cyberspace these days, the home shopping network is merely a player in the game.  While they may have been one of the first, a number of online companies are vying for that top spot.  An advantage we all appreciate of online shopping is the prices.  This is the only place we can really compare and sort through hundreds of price options.  There are always more and more companies competing with that lower price.  Without that burden of mall rent, many businesses are really able to sell for less. 

A major competitor for the home shopping network must be QVC.  Come on, I hear these three letters on a regular basis when conversing with my mother.  Whether you choose to pick up a few home items or Christmas gifts on QVC or the home shopping network, you can rest assured that you are finding a better deal than you would encounter in a mall or retail store.  Shipping is not even an issue.  While it may cost you something to have your purchase delivered, the 40% savings will surely make up for it.  Many sites even offer free shipping.  If you’re a big shopper, check out some of these money-saving sites like the home shopping network.  Your wallet will appreciate it.

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3 Most Dangerous Myths About Searching for Public Records Online

Lots of people would have us believe that conducting a reasonably comprehensive or especially free people search is a piece of cake. However, that would only be one of the three most dangerous myths about online public records floating around today. To begin with, (1) the availability of online public records is not as widespread as one might think. According to our research:

– Only 35% of public records can be found online;
– Nearly all/ every “free” government public record website contains no personal identifiers, i.e., for privacy purposes, they provide summarized information rather than information about specific individuals.

The federal, state, and local agencies that maintain public records systems make substantial efforts to limit the disclosure of Social Security numbers, phone numbers, and addresses. Some even go so far as to limit the use of the dates of birth. The Social Security number is no longer the “key search tool identifier” it was in the 1980s and early 1990s. Websites with open record searching available to the public generally require only a name, unless a specific case file or docket number or registration number, et cetera, can be substituted.

(2) Government agencies that offer online access on a fee or subscription basis generally disclose partial personal identifiers. Nowadays, very few give Social Security numbers, and those that do often cloak or mask the first five digits. Some cloak the month and date of birth, and only reveal the year of birth. For example, most U.S. District Court and bankruptcy court online systems reveal no personal identifiers on their search results, thus making a reliable “name search” nearly impossible (I’ve tried).

We point this out because the lack of identifiers presents a real problem for employers or financial institutions who, at the same time, are legally required to exert a certain amount of “due diligence” in the process of making certain decisions. The existence of any possible adverse information may have to be double-checked by a hands-on search to ensure the proper match of a given subject to a given adverse record.

Also, we noticed that many governmental websites offering online record access tend to include a warning or disclosure stating that their information could have mis-spellings and/ or should be used for “informational purposes only.” For this reason, such sites should be considered as supplemental or secondary sources only. Again, to protect individuals’ privacy, they may provide summarized information rather than information about specific individuals.

The upshot of which is simply that . . . (3) A criminal record search from such a source usually does not, in and of itself, comply with the Fair Credit Reporting Act regulations involving preemployment screening . . . see video below:

In the meantime, you can find a dozen or so lists of public and private record information companies on this website:

– Address and Telephone Numbers; other lists (provided on that same page) include information on the following topics:

– Aviation
– Bankruptcy
– Corporate/ Trade Name Data
– Credit Information
– Convicted Criminal Information
– Driver and/ or Vehicle
– Education/ Employment
– Environmental
– Foreign Country Information
– Genealogical Information
– Licenses/ Registrations/ Permits
– Litigation/ Judgments/ Tax Liens
– Military Service
– Patents
– Real Estate/ Assessors

Sometimes, the only way to conduct a reasonably certain background check online is from a reputable private vendor. A reputable online vendor may provide access to many records that might not be otherwise found online via Government online sources.

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