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Despite all the fears, improved security measures have made shopping online a much safer environment in the past few years. In fact, online identity theft accounts for less than four percent of all identity theft nationwide. Why is it becoming safer to shop online? Let's look at five easy ways that the average Internet user can adopt to ensure a safer online shopping experience:

1) Always look for the change in the URL in your browser. The browser will change from http to https, indicating the web site adheres to the industry standard for security values-Secure Sockets Layers (SSL). This means your personal information is encrypted, stays private during the purchase process and is less likely to be stolen. Additionally, in your toolbar (in the bottom right hand corner), there will be a padlock and always make sure that is in the locked position. This is another indication of a secure web site.

2) Use Spyware protection. Whether you buy a program or download a version of this valuable tool from the Internet, in this day and age there is no excuse not to have this for every home computer.

3) Check the privacy policy of the merchant you are doing business with. Understand the vender you are sending your personal information to. They too, are the victims of fraud and take careful steps to make online transactions flow as smoothly as possible.

4) When exiting a web site, always delete sensitive information (credit card number). This is always the safest option.

5) Never, under any circumstance, should you disclose your credit card number in an email.

These five factors can go a long way in deciding whether your online transaction is successful or filled with regret. Proper security measures, reputable merchants and a little common sense can make your holiday shopping this year a pleasant experience.