Consumers are expected to spend 20% of their holiday budget shopping online. To safeguard online shoppers, the Better Business Bureau (BBB) publishes Shopping Safely Online. The guide discusses online shopping techniques, the “red flags” of online fraud, ways to spot bogus Websites, as well as e-commerce and privacy issues. You can view the brochure on the BBB’s Website (www.bbb.org/library/shoponline.asp), or order a hard copy by sending $2 and a self-addressed stamped envelope to: CBBB Publication Fulfillment Department, 4200 Wilson Blvd., Arlington, VA 22203. Bulk orders are discounted.