Risk our money when shopping on line

what do you really mean by that? "risking our money" meaning we might fall into some kind of scams on the net, or "risking our money" meaning the transaction we conducted online might be subject to online hackers/fraud who might steal out credit cards number and such? if the latter, i think that's why it's best for you to only shop at websites that you really trust or websites which already have good reputation.