Category Archives: Free Service

HOW TO LIVE A DOUBLE LIFE ONLINE WITHOUT GET CAUGHT

Simone Smith,

Contributor Digital Identity Researcher

How to Lead a Double Life Online and Not Get Caught

Simone Smith

Updated Sep 30, 2013 The Internet allows us to form new identities and express controversial ideas without fear of personal reprisal. It allows us to explore interests that would be misunderstood by friends and family and discuss experiences that may damage our career.

There are many reasons to want to create a pseudonymous identity online. You may have undergone a traumatic experience you don’t feel comfortable talking about in public. You may be the head of a stuffy art museum, but love writing Doctor Who fan-fiction. You may want to write a scandalous tell-all blog. Or you may be a rabid democrat living in an extremely-conservative small town. You may just find it liberating to be freed from the biases society holds against your offline life or background.

How to Browse Without Being Tracked
There are many ways your online identity is tracked. For example, websites use cookies to track your activity and record your IP address. To prevent a covert online identity from being associated with your offline identity, you will need to change both your online habits and the tools you use to browse the web.

The first step is to begin using Tor. Tor is a free browser that obscures your IP address by using onion proxy software that provides multi-layer encryption. While not tied to you, personally, your IP address is associated with your individual computer, hence a skilled individual may use your IP address to discover your offline identity. This is why it is important to not rely on services like Chrome’s incognito mode to attempt to live your double life online; while it will prevent websites from storing things on your computer, it will not hide your IP address.

To download the Tor Browser Bundle, which includes everything you need to browse the net anonymously, visit Tor’s website and follow their instructions (also read up on using Tor properly- there are some things you can do using Tor that might still reveal your identity if you are not careful). You should use Tor Browser for all of your secret online activities. It may run a bit slower (as your interactions with other sites are bounced through at least three relays), but it is better to be safe and slow than speedy and sorry.

Use Tor for regular activities as well. This mitigates risk associated with others noticing your browser choice. When questioned about Tor, simply say you use Tor Browser because of concerns about privacy, which have been exacerbated because of this year’s revelations about the NSA.

How to Lay the Foundation of Your Double Life
Most online accounts require an email address. It should go without saying that you should not be using your personal email address when doing anything related to your pseudonymous identity. Instead, you should create a separate email that has no connection to your normal identity and is only used in connection to your covert activities.

I recommend using a free service such as Hushmail, Gmail, or Riseup.net to create this account rather than Yahoo or Hotmail, as the latter options include the IP address of the computer used to send a particular message. While this matters less when you are using Tor, you may still find yourself in a situation in which you need to check that account without the browser’s protection, hence more secretive email providers are better.

Tips on Developing Sound and Secretive Habits
With Tor Browser and a designated email account, you are free to live out your double life- so long as you do so carefully.

Never ever use a work computer for secretive activities. I don’t care how encrypted your work communications are. Company-owned computers are not to be trusted. Keylogging software, which will make all of your careful precautions amount to nothing, is only one of many potential complications.

Avoid using mobile devices. They can be lost. They can be stolen. Strangers (or worse yet, friends, family, and colleagues) can more easily look over your shoulder or snatch your device out of your hands. If you must conduct some of your double life through a mobile device, make sure it is password protected, only use it in private spaces, and bolster it with additional privacy protections, which, for the sake of brevity, I recommend you find independently.

If your double life involves posting content (e.g. blog posts about your secret ventures as an undercover nun), schedule your posts (many blogging platforms offer this functionality) so that they are published at random intervals that cannot be associated with a specific time zone or lifestyle. Do not tag photos, posts, or tweets with your location.

Important Identifying Information to Hide
Obvious information that might be used to determine who you are (eg. your name or the names of people in your life, your personal email address, identifying photos. etc.) is but a small factor to consider. Most secret identities are discovered by those who use more subtle hints to piece together your personal puzzle.

Don’t give away hints by even letting your pseudonym resemble your real name. If your name is John Doe, your online handle should be entirely different, like Shane Kugel (and not J.D. or Shawn Moe). Be extremely careful about mentioning employers in a manner that would enable the casual viewer to narrow your real employer down to a couple of candidates (e.g. “I work for a pet grooming salon in San Francisco, California”). Also be mindful with regard to any habits, sayings, or possessions you might mention (e.g. a storm trooper figurine kept at your desk) that could be identified by those who know you in real life.

If you maintain a website, make your WHOIS information private. If you do not, everything from your name to your email, phone number, and address may show up in WHOIS queries (just search for your friends’ domains to get an idea of the information that might be revealed). Subscribe to The Morning Email. Wake up to the day’s most important news.

Should you be involved in commerce, opt for trades whenever possible. Gift cards might be a convenient form of currency, so long as you keep the value of transactions below $500. Generally speaking, money is difficult to keep anonymous online- even when Bitcoin is used.

The Importance Leaving No Trace
Whenever you finish a session of secretive internet activity, your computer should be devoid of damning information. While it helps that you are using Tor, it is also important that you delete any files from your computer related to your pseudonymous identity (e.g. drafts of blog posts, photos, etc.) before you get up and walk away.

You never know who might poke around your desktop when you aren’t looking, and you would be surprised by how many friends and family members know the passwords to their loved ones’ machines.

Good Luck!
This brief guide is an introduction, not a comprehensive playbook. Its recommended tactics will help you avoid major mistakes and may accommodate “harmless” double lives, but if you are involved in some serious whistle blowing activity, fighting against a totalitarian government, or are threatening to take down a beloved member of 4Chan, you’re playing an entirely different ballgame.

18 WAYS TO GET FREE MONEY FROM THE GOVERNMENT

Editor’s note – You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author’s alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser.

Normally the government takes our money. In some cases, however, it hands out cash. Here are 18 ways to get free money from the government.

Nothing in life is free, or so they say. But what if I told you that we know of 18 government programs where you really, truly can get free money (or services)? If you’re anything like me, I’ve probably piqued your interest.Below are some of the ways you can get your hands on money that’s rightfully yours. We’ve also included was to find assistance and funds when you need it most.

1. Find Unclaimed Money

Ok, full disclosure: this isn’t really a way to find “free” money. However, it can help you collect on funds you didn’t even know you were missing.

Simply visit unclaimed.org and enter your information to search whether you have money waiting to be returned to you. The National Association of State Treasurers created the site to connect consumers with forgotten funds. These can include insurance reimbursements, apartment deposits, forgotten savings bonds, old utility payment overages or deposits, or paychecks you never cashed.

You can search by specifics like your full name and address. Or you can even just browse the results from your last name alone. (I found a few unclaimed health insurance reimbursements for my mom this way, to the total of $400!)

2. Find Unclaimed Pension Funds

Okay, one more not-really-free-but-yours-already resource. If you’ve left a company due to acquisition, merger, or layoffs, you may have been too preoccupied with your next career move to remember pension funds. Luckily, the Pension Benefit Guaranty Corporation (PBGC) can help you reconnect with this forgotten money.

Visit pbgc.gov to check your name and information against their database. There are currently almost 73,000 names on their unclaimed pensions list. So you may very well find some money you had forgotten all about!

3. Get Help With a Down Payment

One of the biggest hurdles in buying a new home is likely the down payment required. Luckily, the government is willing to provide help if needed.

Each state has its own funded down payment programs with unique requirements and benefits. To see the state-sponsored programs in your area, visit the FHA’s down payment grant page and search your state.

For example, Texas offers a statewide program that can cover down payments and closing costs up to 5% of the total mortgage price. They also offer a Hill Country-specific program for Travis County, if you’re looking to live “deep in the heart of Texas.”

4. Apply for Educational Grants

College is expensive. We all know that. In fact, the 2017-18 school year saw tuition averages of almost $35,000 for private colleges and just under $10,000 for state colleges. Ouch.

If you want to further your education but can’t afford the high costs of tuition, room, board, books, and more, an education grant might be a great option. The best and most broadly-offered funding source is the government’s Federal Pell Grant. This awards as much as $5,920 (2017-18 school year) to students each year that they qualify for need. And it doesn’t need to be repaid (unlike student loans).

In order to qualify, you’ll need to complete a FAFSA. You can view all of the details for the Pell Grant at ed.gov.

Beyond that, though, there are hundreds of excellent grants available to students based on interests, major or career sought, and even local areas. I was surprised to find that some organizations even offer grants to students who are left-handed!

You should, of course, shoot for the government’s Pell Grant first. But then fill out as many grant applications as you can find from other organizations and companies. A great place to find them is the College Grants Database.

5. Get Assistance with Childcare Expenses

Paying for childcare is expensive. For families in the D.C. area, where I live, the average annual cost is $22,658. That’s absurd and, frankly, impossible to cover for many families.

If you are employed and looking for assistance with childcare expenses, the government has a program to help. The U.S. Department of Health and Human Services offers assistance in the form of the Child Care and Development Fund, which has state- and territory-specific allocations to assist with care expenses (typically for children 13 or under).

To find funding options for your area, visit the CCDF’s web page here.

6. Accept Healthcare Credits

Along with all of the confusion and frustration involved with healthcare in this country, we also get to deal with skyrocketing costs. This can make it difficult or even impossible for some folks to pay for much-needed premiums, especially as monthly prices continue to climb.

If you purchase coverage through the Healthcare Marketplace and meet certain income eligibility requirements, you can receive government assistance in the form of a tax credit. You also have options for this credit. You can either take it in equal allocations, allowing you to reduce (or eliminate) monthly premium payments, or you can “save” it for the end of the year. If you choose the latter, you’ll receive the credit in the form of a tax return when you file with the IRS.

Visit Healthcare.gov to learn more, qualify for your tax credit, and enroll in a health plan.

7. Get Free or Reduced Healthcare for Your Kids

If you are having trouble paying for health care for your children and meet low-income requirements, you may be eligible for free or reduced coverage through InsureKidsNow.gov.

Here, you can learn more about services like CHIP (Children’s Health Insurance Program) and local Medicaid programs. You can also find health care providers in your area–even dentists!–and apply for your state’s specific programs.

8. Get Assistance With Utilities

The average American spends over $300 a month for basic utilities. It’s easy to see how these bills can be difficult to manage for some–especially in the summer or winter months. The government’s LIHEAP (Low Income Home Energy Assistance Program) provides funds to those in need across the nation.

These grants are available to assist residents with their heating and cooling expenses. They are managed through state programs (funded by the U.S. Department of Health and Human Services). To search for your state’s available programs and aid, visit the LIHEAP website here.

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9. Winterize Your Home

Do you need assistance with updating and improving your home to winterize it? You may be able to get government it as a grant through the U.S. Department of Energy.

The Weatherization Assistance Program Technical Assistance Center (WAPTAC) can connect you with state-specific grant programs for home improvements to reduce energy expenses. If you have children, a family member in the home with a disability, or are over age 60, you’ll get preference for approval. In fact, the DOE estimates that as many as 20-30 million homes are eligible for weatherization grants.

10. Low-Cost or Free Phone Service

If you meet income requirements for eligibility, you may be able to take advantage of the Lifeline Program. This is the FCC’s free and reduced-cost cell phone grant. This allows access to cell phones and service for safety, well-being, and job-related needs.

The amount you’ll get per month varies by need. But you can choose from a number of cell service providers if you qualify. Eligibility requirements are as follows:

To learn more and see if you’re eligible, visit the FCC’s Lifeline website here.

11. Avoid Foreclosure

Since the housing crash of 2008, it seems that we all know someone who has been affected by a foreclosure. If you are at risk of foreclosure yourself, there is a program to help.

Called HOPE (run by the Home Ownership Preservation Foundation), this program offers assistance in setting up plans that allow you to stay in your home. They also offer advice if you’ve been the victim of a mortgage scam or if you are interested in a mortgage modification.

You can call their hotline at 888-995-HOPE or visit 995hope.org to learn more to see how this foundation can help you for free.

12. Get Free Tax Preparation

Tax filing time is just around the corner, but some of us may need a little help with preparing our taxes. Unfortunately, tax pros can be quite pricey.

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If you meet low-income requirements, you may qualify for free tax preparation help through the IRS’s VITA (Volunteer Income Tax Assistance) initiative.

Assistance is generally limited to those who make less than $54,000 a year, persons with disabilities, or those with limited English-speaking abilities. However, the program is available and free to all, so it can’t hurt to apply for help.

If you are age 60 or older, you can also take advantage of the TCE (Tax Counseling for the Elderly) program, another IRS initiative. This program offers free assistance for those nearing retirement who have questions about their pensions, retirement, income, and taxes.

To learn more and apply for assistance, visit the IRS’s website here.

13. Replace Damaged Currency

If your dog destroyed your wallet or your toddler took a pair of scissors to your bank withdrawal, you aren’t necessarily out of luck. Don’t throw those shredded bills in the trash just yet!

You can sometimes replace currency too damaged to be spent it at your local bank branch. If it’s so mutilated even they won’t take it, though, you can also send it to the Bureau of Engraving and Printing for replacement.

You’ll need to submit a claim online. The process can take between three and 36 months (depending on how bad of shape the money is in). So don’t expect a quick fix. However, this is a great solution for currency you may have thought was just a loss.

14. Apply for Unemployment

If you’ve been laid off or otherwise lost your job, you may be eligible for unemployment assistance while you’re looking for a new position. The Department of Labor offers temporary benefits to workers who find themselves unemployed through no fault of their own, until they are able to find suitable, replacement employment.

To see if you are eligible for one of these Federal-State programs and apply for benefits, visit the DOL’s website here.

15. Pay for Necessary Home Repairs in Urban Areas

If you are 62 years of age or older, live in an urban area, and meet income requirements, you may be eligible for a government grant to complete improvements on your home.

The Rural Housing Repair Loans and Grants program offers both loans (repaid over 20 years at 1% interest) and grants (free money that doesn’t need to be repaid) to homeowners in rural areas. The grants are for up to $7,500/ You can use them to remove or repair health or safety hazards (such as lead paint, collapsing structures, etc.).

To learn more or apply for a grant and/or loan, visit the Rural Housing info page here.

16. Refunds for Past FHA Mortgages

If you had an FHA-insured mortgage in the past, the U.S. Housing and Urban Development Department (HUD) may owe you a refund. You can search the HUD database to see if you’re eligible for a refund through their website. You’ll need at least your last name or your FHA case number to search.

17. Food Assistance

The government offers a number of programs that give low-income families nutrition assistance and education on healthy eating.

These programs include WIC (for women, infants, and children), SNAP (Supplemental Nutrition Assistance Program), programs for seniors, and various food distribution options. If you are interested in learning more, visit the Nutrition.gov page here.

18. SSI for Elderly or Disabled Individuals

If you are temporarily or permanently disabled, have a child who is disabled, or are over age 65 (with or without a disability), you may be eligible for supplemental security income (SSI) benefits.

These benefits are limited to those that meet certain income requirements. If you have worked long enough to qualify for Social Security benefits, you may be able to collect both Social Security retirement benefits and SSI benefits.

To learn more, visit the Social Security Administration’s page here.

Things to Remember

It’s important to keep a few things in mind when seeking out free money from the government (or anywhere, really).

First off, a Google search for “free money” is almost sure to net you some scam results. You need to ensure that any website you are visiting–especially if you give them your personal information–is a trusted entity. This means searching for .org, .gov, and similar web addresses. You should also make sure that the program is indeed government-sponsored.

If a website is offering you free money, make sure it explains how you’ll get said money. What is the application process? What are the eligibility requirements? Is the site transparent in explaining the process and what’s offered?

Also, make sure it doesn’t ask you for any sort of up-front money or fees in order to apply for free funds. No legitimate government program will ask you for money to receive assistance.

Free money is out there in various forms. Just be careful where you look and who you trust–if it sounds too good to be true, it just might be.

Author Bio

 

Stephanie Colestock is a respected financial writer based in Washington, DC. Her work can be found on sites such as Investopedia, Credit Karma, Quicken, The Balance, Motley Fool, and more, covering a range of topics such as family finances, planning for the future, optimizing credit, and getting out of debt. She is currently working toward her CFP certification. Her full portfolio can be found at stephaniecolestock.com

SECOND ROUND OF STIMULUS CHECKS

It seems everyone in America thinks a second stimulus check for consumers still reeling from the effects of COVID-19 is needed to re-ignite the U.S. economy.

Everyone except the U.S. Senate, specifically Majority Leader Mitch McConnell.

While two polls, one conducted by WalletHub and another by CNBC/Change Research, showed nearly nine out of 10 Americas are in favor of a another stimulus check, McConnell wants more time to think about it.

The Senator from Kentucky has been preaching a wait-and-see approach since passing the $2.4 trillion CARES Act March 27. He doesn’t seem anxious to throw more money at a U.S. economy still staggering and in desperate need of financial help for coronavirus.

In no particular order, McConnell is worried that:

  • Another relief package would add trillions more to the federal deficit already skyrocketing past $25 trillion
  • Businesses and schools will be bombarded lawsuits related to the coronavirus
  • Unemployed workers will continue taking advantage of government handouts and resist seeking employment
  • A rush to do something will cause more problems than it solves

Will There Be a Second Round of Stimulus Checks?

Democrats and some Republicans in the Senate have voiced optimism that another relief package will get serious debate during the month of June and might even include some discussion of the $3 trillion HEROES Act that recently passed in the House of Representatives.

The HEROES ACT called for another $1,200 stimulus check for those making less than $75,000 ($2,400 for couples filing jointly), plus $1,200 each for up to three children.

During a radio interview in his home state of Kentucky, McConnell called the HEROES Act “not a serious piece of legislation” and said, “if there is another bill, it will originate in the Senate.”

His peers, no doubt hearing the financial screams of their constituents, will want to respond by talking seriously about the proposal that would put as much as $6,000 into a family budget.

At the very least, the popularity of the first stimulus check almost guarantees that some form of direct financial aid will be coming this summer.

When Might There Be a Second Stimulus Check?

The Senate is in session until July 3, when they will go on a two-week break surrounding the July Fourth holiday. That gives them more than a month to offer new ideas or extract worthy ones from the HEROES Act.

The first relief bill, the $2.1 trillion CARES Act, took only 10 days to draw up, debate and pass. Expecting that kind of action in Round Two would be considered wildly optimistic.

McConnell is adamant that the Senate will draw up the next relief bill, but didn’t say what it would look like or whether a second round of stimulus checks would be part of it. His focus – and likely most potent bargaining chip – is legislation that includes liability protection for businesses and schools.

“Part of getting back to normal is to not let there be a second epidemic in the wake of the pandemic, and the epidemic would be an epidemic of litigation,” McConnell said. “Businesses and schools are not going to open if they’re afraid of being sued. We need to deal with that, or we have no chance of getting back to normal.”

McConnell also is intent on helping states provide unemployment benefits, though he’s opposed to extending the $600 a week bonus that the CARES Act adds to state unemployment checks. That provision expires at the end of July, and may not be resuscitated.

“A lot of folks are getting paid more not to work than to work and that is counterproductive,” he said. “The goal here is to get people back to work. Structuring it the same way again would be a mistake.”

What Is America Saying about Stimulus Checks?

Whenever a new “normal” returns, most Americans want it to include a second stimulus check. The WalletHub poll conducted in late April, showed 84% of Americans want a second wave of stimulus checks. The poll also showed 160 million Americans were three months away from running out of money, meaning time is of the essence.

The CNBC/Change Research poll involved people in the battleground states of Arizona, Florida, Wisconsin, Pennsylvania, Michigan and North Carolina. It was conducted the first week in May and 94% of respondents said it’s important that people who have lost jobs or wages receive relief. Another 74% of respondents support recurring direct payments to individuals until the pandemic ends.

Whether they get it – and how much it’s worth – will depend on how urgently McConnell steers legislation through the Senate. The Majority Leader has made it clear he’s concerned about how the relief packages are impacting the federal deficit, which has flown past $25 trillion.

The CARES Act helped add another $737 billion to this year’s deficit in April, by far the largest monthly shortfall in the 40 years data has been collected.

“We now have a national debt that is the size of our economy for the first time since World War II,” McConnell said. “We’ve got to be aware here of what we’re doing to the long-term future of our country with this level of debt.

“That’s why I think this next bill should be carefully crafted after we begin to see the impact of reopening again.”

Details on the HEROES Act

While McConnell completely dismisses the HEROES Act, there are going to be parts of it that Democrats will push to keep. It is loaded with huge coronavirus cash relief to seemingly every sector of American life. Among the things it provides:

  • Almost $875 billion for state and local governments
  • $200 billion in hazard pay for some essential workers
  • $850 million for child and family care for essential workers
  • $75 billion to expand COVID-19 testing and contact tracing
  • $100 billion for rental assistance for low-income households
  • $75 billion to help homeowners pay their mortgages, property taxes or utilities
  • $25 billion to help the Postal Service survive a steep drop off in revenue.

“Some of the members say let’s take a pause,” Pelosi said on the House floor. “Do you think this virus is taking a pause? Do you think that the rent takes a pause? Do you think that putting food on the table – or the hunger that comes if you can’t – takes a pause?”

The proposed second stimulus payment in the HEROES Act is larger than the first stimulus check under the CARES Act.

But it is a one-time payment, and therefore is far less generous that several other Democratic proposals by Senator Bernie Sanders and members of the progressive caucus. They wanted payments of $2,000 and even $10,000 every week, depending on family size, for the duration of the pandemic. In fact, one of the proposals requested payments for a year after the pandemic.

Those bills never came up for a vote, causing some progressive backlash against Pelosi. Congressional Progressive Caucus co-chair Pramila Jayapal proposed a bill in April that would have ensured workers receive 100% of their salaries up to $100,000 and provided businesses with funding to cover “essential” expenses such as rent. She was the only progressive member to vote against Pelosi’s bill, saying it didn’t go far enough.

Still, it’s a big, first step. Here’s a closer look at the key points:

  • Stimulus payment – $1,200 for individuals and dependents (Up to $6,000 for families)
  • Payment duration – One-time payment
  • Eligibility – Eligibility would be based on the same income limits as the CARES Act ($75,000 for single filers; $150,000 for married couples filing jointly; $112,500 for heads of households.
  • Payment distribution – Same as the CARES Act. Payments would be distributed through direct deposit or paper check.
  • Cost – $3 trillion.
  • Who introduced the bill? – House Democrats
  • Will it pass? – No, not in its current form. But it puts the ball in the Republicans court, the first step in a massive, trillion-dollar COVID-19 relief bill that likely will pass sometime this summer, and include a second stimulus check.

30 BEST WEBSITES FOR WOMEN TO SHOP

1. Boohoo

Boohoo is one of the world’s fastest-growing e-commerce sites. The booming retailer offers non-stop fashion with up to 100 new pieces hitting the site every day. The majority of styles on offer are under AU$100, and some are even as low as $2, so fill up your basket without any pesky spending guilt.

2. Nasty Gal

Created by “girlboss” Sophia Amoruso, Nasty Gal began as a humble eBay store selling vintage clothing. Since then, the brand has grown into an e-commerce giant that sells a broad range of genuine vintage and new, vintage-inspired pieces. This site is perfect for girls with a little bit of attitude who like to have a lot of fun.

3. H&M

Do we even need to introduce H&M? The Swedish super-retailer is everyone’s first choice for affordable, fast-fashion clothing, and its online store makes it all available from the comfort of your home. Sit on the couch while stocking up on great basics, lingerie, trends, accessories, workwear, activewear, and even homewares.

4. Free People

If you’re a free spirit or a hippy at heart, Free People is the online shopping destination for you. This bohemian retailer dishes up the goods when it comes to dreamy designs. Fill up your basket with wonderful pieces that are fit for brunch, the beach or a trip around the world. Also, take a look at the brand’s Movement label for great activewear.

Nordstrom has been a leading fashion retailer for over 100 years and is continuing to uphold the title. Although the brand’s online store is obviously a lot younger, it follows suit from Nordstrom’s physical stores in terms of excellent service and extensive product range.

6. Mango

Mango, also known as MNG, offers a broad range of minimally chic clothing and accessories. The brand’s designs are pieces that can be worn every day that easily blend into the rest of your wardrobe.

7. Luisa Via Roma

From sporty to chic, this site has it all. It offers pieces fresh off the runway, exclusive collaborations and discounts across some of the world’s biggest labels. If you’re after curated styles that will make you stand out from the crowd, you can’t look past Luisviaroma – it’s the one-stop-shop for all things beautiful.

8. ASOS

If you haven’t shopped online at ASOS, you’ve seriously been missing out. This site is a one-stop destination for all of your fashion and beauty needs at a reasonable price. Filter through thousands of on-trend products from a variety of brands as well as the ASOS house labels.

9. The Outnet

Created by the people at Net-A-Porter, The Outnet is the ultimate destination for exclusive discounts on more than 350 designer labels. Some of the featured brands include Chloé, Stuart Weitzman and Oscar de la Renta. This is a great place to visit if you’re after your first luxury piece, but don’t want to spend your entire paycheck on it.

10. Farfetch

There’s only one of you, so why wear something that everyone else has? Finding your perfect piece of clothing shouldn’t be a hassle, thanks to Farfetch. With vintage pieces from the labels you love like Chanel, Yves Saint Laurent, and Versace, you can be seen in something that no-one else is wearing.

11. Shopbop

Since its launch in 2000, Shopbop has become a site that fashionistas know and love. It’s the perfect place to shop for both contemporary and designer labels and has an impressive selection of apparel, shoes, bags, and accessories. Another major highlight of this site is that it offers lookbook and wardrobe advice features, which makes the online experience all the more enjoyable!

12. Revolve

You can always count on Revolve to bring you the most trendy pieces you’ll need for a season update, and the site features many prominent designer brands. They’ve even added face masks to their list of products —  so you know they’re keeping an eye on current trends and needs. For convenience, fashion lovers can also get their favorite beauty products on the site, which is super appealing because you don’t have to order from multiple retailers. Revolve’s Shop This Look section is also a fantastic way to find outfits you want to recreate, and their dedicated customer service team will help with any issues.

13. Nordstrom Rack

If you love a bargain, then Nordstrom Rack is the place to go! We all know that designer clothes can come with a high price tag, but this is the site that helps you save money while also getting your hands on your dream brands. At Nordstrom Rack, you can get up to 70 percent off the original department store and boutique prices, and they are continually adding new items to the inventory. Be sure to check in weekly for new arrivals and shop your favorite styles, which can be done from the comfort of your living room. If you want to browse on-the-go, the mobile app also makes shopping super easy!

14. Saks Fifth Avenue

Most people have heard of Saks Fifth Avenue, the famous New York department store, and their online site does not disappoint. Saks is known for fashionable and exclusive items, and you can now shop them from the comfort of your home. Choose from a wide range of designers, pick the trendiest apparel, handbags, and shoes, and finish off your looks with interesting pieces of jewelry and chic accessories. If you need inspiration, The Edit highlights seasonal favorites and trends, and the editorials are always impressive.

15. Topshop

One of our favorite British high street brands, Topshop, is also available online. This site offers all the great styles that you’re used to finding in-store at the same affordable price. Tall, petite and maternity ranges are also on offer for those who want Topshop’s on-trend style but need a different fit. On top of all that, standard international delivery, which is up to nine days, is free when you spend over £100.

16. SSENSE

For the lovers of luxury fashion and independent designers, look no further than SSense. With thousands of incredible curated pieces available, you can find a one-of-a-kind piece that others will adore, or the latest items fresh off the runway. Whether you’re gaga for Gucci or a lover of La Perla, this is the site for you.

17. Uniqlo

Uniqlo is the place to go for basics on a budget. You may not find the most fashionable pieces here, but you will find some great, quality pieces to be the core ingredients of your casual wardrobe. Think comfortable cotton hoodies, cashmere sweaters, down puffer jackets and essential seamless underwear, all for the lowest prices imaginable.

18. Verishop

Verishop is the one-stop-online-shop customers love because they have so many different apartments. From men’s and women’s clothing and apparel to beauty and wellness or stylish pieces for your home, this is the best way to find items you love or the perfect gift for friends and dear ones. Shop from both global and digitally native brands, including Billie the Label, and leisurewear brand LETT. Another highlight is the fast and free shipping and 24-hour customer service, which makes the whole experience easy and fun!

19. MyTheresa

MyTheresa has been around for over 30 years, first as a fashion hotspot in Munich, and later an online extension of the exclusive store. What can you expect from this site? For starters, fast delivery within one business day, free returns within 30 days, and an impressive collection of designer items! The site stocks over 250 international designers, and is known for being one of the best sites to purchase luxury buys, with big names including Acne Studios, Emilio Pucci, and Fendi.

20. & Other Stories

If you live in the U.K., U.S., or one of a selection of European countries, then you are lucky enough to be able to shop online at &OtherStories. The brand focuses on the whole outfit, making accessories an essential part of its business. The clothes are nice, but the pieces to buy are bags, shoes, sunglasses, and jewelry.

21. Coggles

Discover your next favorite piece of clothing on Coggles. Featuring designers like Victoria Beckham, Balmain, and Kenzo, you can filter through thousands of beautiful clothes and accessories to find something perfect for you. From sneakers to fine jewelry, it’s the perfect shopping site for a friend or yourself.

22. Missguided

Missguided is your online shopping destination for young and fun fashion. This site is perfect for anyone who’s not afraid to show a bit of skin. Low cut tops, bodycon dresses and short shorts are a regular occurrence here. Pick up a few of the brand’s continuously on-trend pieces as a cheap way to spice up your usual wardrobe.

23. MatchesFashion

Everyone deserves to treat themselves once in a while, so why not do it on Matches Fashion? From the essentials to the exquisite, this site offers unmatched assistance. If you’re having difficulty making a decision or you need a bit of extra help, let the MyStylist service help you out. Whether you’re unsure of how to put a look together or you need to spark some inspiration, this team is here to help.

24. Urban Outfitters

Urban Outfitters stocks a huge range of brands and styles so that you can find what you need for the price that you want. Filter products by categories, styles, lengths, sizes, colors, brands and prices to quickly hunt down key items, or just click through pages and browse all the lovely styles.

25. Forever21

Forever 21 offers super-affordable casual wear that is both cute and stylish. This user-friendly online store is the perfect place to pick up all the trends that you want to try without investing too much financially. The brand also loves social media and often re-posts customers’ photos, so get buying and then get snapping to feel the online love

26. ModCloth

Visit ModCloth if you’re on the lookout for indie, vintage, and retro-inspired clothing and accessories. This brand’s democratizing approach to fashion is incredibly refreshing, featuring a variety of models on its site and selling styles to suit everyone. Take a look at the dress section to find some truly beautiful pieces that are perfect for summer days and picnics in the park.

27. Miss Selfridge

Miss Selfridge, which initially began as a part of Selfridges department store in the U.K., is now a part of the Arcadia Group, which owns Topshop. Visit this retailer’s site if you’re looking for fun party dresses or gorgeous day wear.

28. COS

COS is like the older, cooler and much more refined sister to H&M. Made by the same company, COS steers away from fads and passing trends while H&M embraces them. Offering a range of minimal and modern wardrobe essentials, COS will provide you with pieces that last beyond the current season. Although you will pay more than you would at H&M, you’ll get your money’s worth.

29. Marks and Spencer

Marks and Spencer, which launched its Australian web store this year, offers a range of relaxed and chic styles that are all well within budget. Check out the brand’s extensive range of accessories to find affordable pieces to match every outfit. Also, explore the M&S & Alexa Chung Collaboration for great vintage-inspired styles.

30. Princess Polly

Shopping multiple brands that you love in one spot is as convenient as it is fun. Proving this point is the online retailer, Princess Polly. This site carries several fashionable and affordable brands, including Evil Twin, Minkpink, Somedays Lovin, The Fifth Label, Windsor Smith and Nobody Denim