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Online shopping

• Be wary of post office boxes and sellers in other countries. It may be difficult to find the seller to resolve a problem later.
• Know the total price. Make sure it includes all charges, shipping, handling, insurance and taxes. Coupons and other discounts should be properly deducted.
• Make sure you are clear on what you are buying. Watch for words like "refurbished," "reconditioned," "close-out," or "discontinued."
• Give your credit card, debit card, or bank account number only if you're using that account to pay, never to prove your identity.
• Keep a record of your purchase. Keep track of what you ordered, when, the price, and how you paid (check, money order, charge, etc.). Also save any information the seller gives you such as product description, delivery date, cancellation policy, privacy policy, warranties, and order confirmation numbers.
• Keep track of your order. If it's late, see: Your Rights: Shopping from Home.

Beware: Charitable Giving

Investigate before you donate. Some con artists use names similar to well-known charities or pretend to raise money for state or local law enforcement agencies.

• Ask for written information, including how much of the money raised is actually used for charitable purposes.
• Ask your Secretary of State if the charity is registered to solicit in your state.

Check the Better Business Bureau and others for information on charities: www.give.org, www.charitywatch.org, and www.guidestar.org. See also Youth Peddling.

Consumer Action.gov

Denim Tips

Jean jacket: If you have a denim jacket that you’ve had for years, chances are that it’s stretched out, boyish, and boxy. Try taking it in and thinking of it in a whole new way. Wear it in place of a blazer or a fitted jacket.

Baggy trouser jeans: It seems that lots of denim favorites are loose-fitting, soft, and casual. These jeans are usually paired with flat sandals, flip-flips, casual boots, etc. Elevate them to new levels by pairing with heels, a skinny belt, and silky feminine layers of lace or velvet for an unexpected look. We are seeing lots of luxurious fabrics for fall — this is a great way to try them out. You will instantly feel more pulled together, and the jeans will transform into beautiful wide-leg trousers.

Denim dress: The ’80s and ’90s was our time to go denim-crazy! Perhaps you have a denim dress that just doesn’t inspire your style these days. Try to mix this with layers to create the illusion of a skirt. If it is a fitted dress, pair it with a blazer and a pretty tie-front blouse. You could even throw a long sweater over top and add a belt to nip in your waist.

Black jeans: Most people have black denim pants in their wardrobe. They are undeniably flattering and go with nearly everything. To take these to a new level, we recommend pairing them with an utterly chic top and unexpectedly sexy pumps — dress the whole look way up.

Denim shorts: Cutoffs, short shorts, Bermudas, you name it — jean shorts are all over the place this season. They are the ultimate casual go-to for hot temps. A great way to make them look more sophisticated is to pair them with a preppy fitted blazer, a bright silky top, and some daring strappy flats. This will pull the look together a bit more.

Light-wash blazer: A laid-back light-wash blazer looks striking over a sparkly blouse for evening — it’s alluringly nipped in but with casually rugged pockets.

Skinny jeans: Add a dreamy peasant top and killer heels to super-skinny jeans for a feminine bohemian look.

Pencil skirt: A denim pencil skirt usually looks best — not to mention, iconic — with a crisp feminine top and understated accessories.

Blue and black: There is nothing wrong with mixing black denim with blue! It comes together to look artsy and creatively stylish. Pair the combo with a classic white top.

Menswear vest: A snug denim vest gives shape to the flowy dresses that we all invested in last summer. Try to pair these together — you will look effortlessly cool.

For Lucky’s complete guide to buying denim online, go to Lucky online.