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Online Christmas Shopping – A Real Savior for Frustrated Shoppers

To make your loved ones feel special you can send them Christmas gifts and warm wishes carrying the significance of love, affection, peace and harmony. These are memorable moments that you can end up cherishing for life. Christmas is filled with the fragrances and scents of joy and happiness which you enjoy celebrating with your entire family. This is a time to let bygones be bygones and unite together showing your love and affection by exchanging Christmas gifts with each other.

During the Christmas season, markets are filled up with many fabulous gifts for sales. A gift is a token of love and appreciation so you need to be careful when you choose the best Christmas gifts especially for the people you care and love the most. You can buy designer women’s perfumes for your mom or discounted men’s fragrances for your dad. Browsing through the online sites will help you to choose from a large variety of Christmas gifts including designer brand perfumes that suit the personality and the temperament of the person you buy it for.

There is no need to wander about looking for the perfect Christmas gifts for your entire family when you can get all discounted designer perfumes as Christmas gifts online which makes things much easier as this way you can check the quality and price of designer perfumes at stores around you and buy them from the relevant sites. The best thing about online shopping is that you can avail lots of discounted perfumes of designer brands delivered at your doorstep.

From the best Women’s fragrance to the perfect dress you sure have a plenty of choices for your female friends and relatives as a perfect Christmas gift which will make her love you more. Whichever designer brand perfume gift you buy you should have it gift wrapped with a personalized card and make it special by scribbling a personal message showing your love for the person.

Christmas is supposed to be the most special time of the year but the crowds in the malls and shopping centers make Christmas shopping a frustrating experience. This is the reason more and more people are involved in online shopping as this way they get all available gift items and discounted designer perfumes displayed categorically with all the relevant details and you can buy a man’s perfume or women’s fragrances with just another click. So in a way online Christmas gift shopping is a real savior for those who find Christmas shopping a frustrating experience.

Buying Christmas gifts for your girlfriend has also become a joy with online discounted perfume shop as it gives you a stress free Christmas while others may seek designer perfume brands among the immense crowd that stumbles and bumbles here and there. The unique gift ideas for your spouse or your girlfriend are at your finger tips because just by clicking around you can get them delivered as this is the convenience of online shopping.

 

How to Avoid Becoming a Shopping Addict

Ever wondered why there is never a day in time when shopping malls are empty? Deeper analysis will show you that, there are certain customers who are well-known in certain shopping outlets for three main reasons:

  • They always want to keep up with the latest fashion trends
  • They believe in being the first ones to buy from any new stock
  • They buy in bulk

Shop owners love such customers, as they can make quick sales by having such a client base.In this article people who love shopping are referred to as “shopaholics”

Characteristics of a shopaholic:

These kinds of people:

  • They have tendency to buy what they don’t need
  • They prefer spending their time visiting different shops to see what’s on offer
  • They are best known for always wanting to buy things in bulk
  • Cannot do without any form of shopping per day.
  • They always love it when other people acknowledge their new collection
  • These people always want to stand out in a crowd
  • Some of them rarely take time to clear their wardrobes or houses of what they no longer need.
  • They love holding to stuff just for them to feel good about what they own.
  • They can buy more that two items that are similar in design

The above features are what defines a shopaholic.

Being a “shopaholic” is not in any way different from being addicted to substances. As such it is better to avoid becoming addicted to shopping at all costs.This so because just the way alcoholics tend to divert all their earnings to alcohol,”shopaholics” also have the same tendency of diverting their earnings into shopping for items they could do without.

How then can one avoid becoming a shopaholic?

There are various strategies that one can use in life to avoid becoming a shopping addict. These include:

  • Having a monthly budget for the required essentials
  • Avoid going shopping accompanied by people who also love to shop without limits
  • Not always wanting to buy in a specific shop.This will keep shop owners from calling you every time when they receive fresh stock
  • Avoid spending a lot of money, by buying items such as clothes and shoes when they are no longer in fashion
  • Avoid shopping online at all costs
  • Endeavor to buy items using cash and not a credit card as this can keep you from falling into debts.

In case you already are a shopaholic, seek professional advice on how to develop proper shopping strategies. It is not wrong to seek help from friends and family members, especially those who can go with you shopping with the sole aim of keeping your shopping spree in check.

 

Online Shoppers Zap Killer Asteroid

Want to save the earth from global warming?

Go green.

Go online shopping.

A recent scientific study has shown that based on a comparison with hopping in the car to go to the mall, shopping online results in a net decrease of fossil fuel use by the average consumer.

And with the skyrocketing cost of gasoline, it makes even more sense to do your bit for Mother Earth while also saving your hard earned and ever diminishing cash, now doesn’t it?

Another scientific study shows that the collective will of online shoppers can knock down a killer asteroid on a collision course with our planet.

Okay, I’m just kidding about the asteroid. We’ll let NASA handle that. Or maybe the guy I met one day in my previous incarnation as a mild mannered reporter with a great metropolitan newspaper. (I actually worked at the paper that was the model for the Daily Planet in the Superman comic strip, no kidding.)

This fellow asked to speak to me about a long forgotten article I had written. Seems he had an argument over some of the facts. I listened politely and he actually made some intelligent and articulate points. Not the standard: “You newspaper guys are only interested in sensationalism.”

So I urged him to write a letter to the editor. The paper would surely publish it and provide a forum for his views.

“Haven’t got time,” he muttered as he turned to leave. “Have to be in London later to meet Margaret Thatcher. I’ve invented an invisible shield that knocks down cruise missiles.”

But I digress.

Where were we… oh yeah, online shopping.

It just keeps getting bigger and bigger. Almost as big as the guy who put on so much weight, when he sat around the house, he sat around the house. In money terms, that’s about $200 billion a year on consumer spending alone in America.

Something’s got to lift Uncle Sam’s sagging pants.

Shopping online has evolved from the early days when the major demographic was young, well -educated and wealthy males to consumers of all ages and sexes. In fact, it’s now dominated by women, young women, middle aged women, old women, young moms, grandmothers and great grandmothers.

Clothing, jewelry, shoes, cosmetics, perfumes, books, baby clothes and kiddie stuff, you name it women buy it online where they can comparison shop and save money and hassle. Makes perfect sense for young moms who can’t get to the mall, grandmas who want to find all kinds of neat stuff to spoil the grandchildren because they’re worth spoiling and career women who don’t have the time.

The old expression “shop ’til you drop” is being replaced by “shop ’til you have carpal tunnel syndrome.”

As for us men, we don’t just order fishing lures. We love our toys, especially gadgets. The internet is great for shopping for gadgets and finding gadgets we didn’t know existed.

Online shopping has never been safer and more secure with all that fancy encryption stuff they put on websites nowadays. Just look for an online store that treats you, the consumer, as a person and not just a credit card.

Fascinating Fact: Did you know it’s not Americans who shop the most, per capita, online? You’ll never guess who. Brits? Japanese? Canadians? Nope. It’s South Koreans.

There’s even a rumor that North Korea’s reclusive and totalitarian Dear Leader shops online. But he has to have it shipped to a postal address in Shanghai.

 

Sony Ericsson W580i – Mobile With Several Alternative Connectivity Options

With the Sony Ericsson W580i, people can easily connect with others. The users find the handset very useful for the incredible features that it has. This mobile connects with 2G networks and it is also GSM enabled that makes it possible for people to stay connected even if they happen to visit distant places of the world.

The dimensions of the W580i is also very impressive as it makes it possible for people to carry the device with ease. The 99 x 47 x 14 mm dimensions of the handset renders compactness to the phone. The gadget is also light as it weighs 94 gms. This further enhances the user-friendliness of the device.

Sony Ericsson W580i has a display screen measuring 2.0 inches. This screen supports 256 K colours and users can utilise it for viewing pictures and wallpapers. This screen is also brought to use by people to play games and surf internet. The net surfing makes it possible for people to download files and view pages that give information. The WAP browser makes high speed surfing of the internet possible. The uses are captivated by visiting the various websites on this gadget.

The phone supports 512 MB memory card. This card is useful for storing of ringtones, games, music and videos. The customers can make use of the memory to store call records, messages and contact information. Then there is also the option whereby users can store the latest music and video files on the mobile.

This handsome phone connects with several options such as GPRS, HSCSD, EDGE, Bluetooth and USB port. This mobile can make use of the Bluetooth option to connect wireless to other similar gadgets. The users can make use of it to send files to other compatible devices. The USB port is utilised to connect the phone directly by means of cable cords. Options such as GPRS, HSCSD and EDGE make it possible for people to avail the internet connection very easily. Having done so, users can send emails to others with large attachments of files.

The 2 MP camera of the Sony Ericsson W580i can capture pictures at a very high resolution power. The other entertainment options include its music player and FM radio. The music player of the phone is capable of playing music in all the latest formats. There is also a track ID recognition software with which users can identify the music track and the singer. The mobile also fascinates by its games that are the latest and users can actually rely on them to ward off boredom whenever there is free time.

This handset has messaging options such as SMS, MMS, EMS and emails. These enable people to send text, images and sounds to others without any hassles. The messaging service is an alternative method to connect.

The battery of the mobile keeps people connected for a long duration of time. This is because of the 370 hr standby time and 9 hrs of talk-time of the battery. The users can easily use this battery for entertainment reasons. One can use the camera, music player and FM radio and for entertainment reason for a long time.

Information about Sony Ericsson XPERIA is available in the internet. The online information is authentic and people can believe in them. Orders for the phone can also be placed online. The mobile is delivered instantly after the order is placed.

 

Top 5 Tips on Shopping to Save Your Money

As we are going through an age of competition, recession and economic meltdown- we need to curtail our unnecessary expenditures. To do this one of the best ways is saving money while shopping.

Here are the top 5 tips on shopping to save your money — with no matter where you are going to buy and what you are buying. If you follow these money-saving tips you will be able to save your money more than you can think.

Just follow the tips:

Shop with a list
Make a list of things to be bought to limit both your time and impulsive buying. It will save you from guesswork and trip back to the stores for the things you have forgotten. Keeping a list will restrict you from tantalize buying- tying you within the boundary of your budget.

Buy things on Sale
You can take the advantages of sales within your budget. If you find that the things on sales are matching your list and the sales-span is very short as well as not applicable for your second visit-you can take them for your future stock.

Buy quality things
Many people have the notion that buying cheap thing is frugal, because it costs lower price. But always try to get the best value of your money by buying quality items for they work better and last longer. Buying cheap things mean- you are spending both your money and time because have to go for a second purchase shortly. To get rid of your immediate second purchase and make your job easy as well as utilize your money properly always try to buy quality things. To make it purposeful you can chose particular brands of particular kinds.

Try to get a cash back credit card
Save up to 20% on some of your purchase by using a cash back credit card. Shopkeepers would worth it totally and allow you to save your money on every single purchase and thus you will be able to save ton of money in each single year.

Buy bulk and use Internet
Buying bulk is also a good tip for saving your money. While you are making a list try to buy a bulk of necessary thing of particular kind from a reputed shop for they will certainly discount on your purchase.
You can access Internet. Visit the Website like Amazon or Epinions to check prices and product reviews. Amazon offers a RSS feed to show you sales on specific items. Craigslist eases you to subscribe via RSS- new posts matching your specific search (an RSS link is in the bottom right corner of the search pages). Besides, you could also chose reputed brands and prices of necessary things from Internet.

 

All About Google Merchent Center

What is Google Merchent Center?

Google Merchant Center is a new service that makes it easy to upload and manage the Product listings you want to appear in Google Product Search, AdWords, and other Google properties.

Previously, you may have used Google Base to upload and manage Product listings. Google Base is still available for other types of structured content, but the Google Merchant Center provides a better, optimized experience specifically for merchants. The Merchant Center is where we’ll continue adding features and improving the tools for uploading and managing product listings.

What Google Merchant Center does?

Google Merchant Center is for those who want to submit products and sell them through Google. It used to be called Google Base. Google Merchant Center is where you upload feeds, check item status, and get information about how well your listings are doing. Your products uploaded to Google Merchant Center feed the searches that other people do for products they want to buy. For example, suppose someone wants to buy some dog toys. Starting at Google’s home page and clicking on “Shopping,” they’ll see a page like in the first screen shot. After typing “dog toys” into the search box and hitting enter they’ll be taken to a listings page.

Google Base still exists, but Google Merchant Center is optimized for product listings, and it is where Google will concentrate on adding features and improving the tools needed for uploading product listings and managing them. If you already used Google Base for listing products, your existing data feeds, FTP settings, and other items will still be there. Your account will have already been transferred to the Google Merchant Center, and you will sign in using the same account you used on Google Base. For most users the transfer will be transparent. There are, however, a small fraction of users who have been uploading product listings and other items on Google Base. They will need to sign on to Google Base to create new FTP settings to be able to upload non-product feeds to Google Base.

Google Merchant Center has a new dashboard page that contains an overview of your product listings, and feeds, and performance graphs, making them more accessible than before. If you sell items over Google Merchant Center, the Google Checkout is the secure web application that lets you process orders, which includes tasks like charging credit cards, specifying carriers and tracking numbers, canceling or refunding orders, reviewing payout summaries, and updating Google Checkout settings.

To process orders in the Google Merchant Center, you sign in, review the order, and charge the buyer’s credit card. Google will then authorize 100% of the order amount. You are required to charge the order within seven calendar days to be guaranteed the funds. After the order is charged, you automatically initiate the payout process. You have to ship the order within a specified time frame that you agreed to when you confirmed an order so that you will be eligible for the Google Checkout Payment Guarantee. You’ll notify the buyer that their order has shipped. There are ways of automating order processing using the Google Checkout API.

If you sell services or goods that don’t need to be physically shipped, you have to mark the order “shipped” in order to send the buyer a confirmation email. Some transactions involving digital goods might not be covered under the Google Checkout Payment Guarantee policy.

In processing orders, Google uses automatic fraud risk modeling to alert them to possible fraudulent transactions. If a fraudulent transaction is detected, it is immediately cancelled. In order to protect you and other Google Merchants, active orders from the same fraudulent credit card will be cancelled. Google Merchant also uses industry sources like worldwide fraud blacklists to block fraudulent shoppers from using Google Checkout in the first place. For example, if Google detects suspicious activity related to one of your orders, it will flag the order with “customer review in progress” status and will perform fraud detection tests on the order to keep your risk as low as possible. Google usually completes their reviews in four to six hours.

You, as a Google Merchant, are able to review credit verification information on each order you receive. You just sign in to Google Checkout, click the order in which you are interested in your “orders” box. At that time buyer credit verification information appears below the buyer’s shipping information, including whether the transaction is covered by the Payment Guarantee, the Address Verification System check, the Card Verification Value, or CVV, and Account age shows how long the buyer has been qualified to buy through Google Checkout. If you are concerned about an order, you do have the option to cancel it to avoid the risk of a fraudulent transaction.

Fees for Google Merchants vary by the dollar amount of monthly sales and are reset every month on the 5th. For monthly sales under $3,000, the fee is 2.9% + 30 cents / transaction. For sales between $3,000 and $9,999.99, the fee is 2.5% + 30 cents / transaction. For $10,000 to $99,999.99 per month, the fee is 2.2% + 30 cents / transaction, and for sales over $100,000 per month, the fees are 1.9% + 30 cents / transaction. Orders that ship to buyers in a country different from the Merchant’s country will also have an additional 1% processing fee.

If you plan to sell apps in the Android phone market, your transaction fee is 30% of the application price. In other words, if you sell your app for $10.00, your transaction fee is $3.00 and your payment will be $7.00.

Google Merchant Center is an answer to those who want to sell products through Google Products searches. This can be a real sales booster for those who have shops online at places like Etsy. Google Merchant Center is now split apart from Google Base, with the goal of making online product searches more fruitful and online sales easier for merchants and shoppers.

 

Great Savings With Online Shopping

Just imagine – you thought of shopping and there you are – you have bought the desired products without actually going anywhere! This is the online shopping trend!! You need not get ready wearing your favorite attire and footwear, taking out your car, getting stuck up in traffic jams, visiting from one store to another till your whole day is wasted! And you end up buying only a few things, not all that you have included in the list. And then you will have to go through a similar hassle another day or two. All these can be negated with shopping in an online shopping mall. It is real convenience right at your doorstep!

Your credit card and debit card can get you all the products on earth at your doorstep right from refrigerators, air conditioners, computers, mobile phones, digital cameras, digital photo frames, microwave ovens, PlayStations to jewelleries, apparel, watches, fashion accessories, footwear, crockery, and lots more. The greatest advantage of buying from an online shopping mall is that you can come across a number of brands with competitive prices. After comparing the brands in terms of features and prices you can choose the one that best satisfies you. And there are no hassles involved. In a matter of a few minutes (or if you conduct enough research, it may take more time), you can buy your desired products. In a matter of a few days, you will receive the products at your home. It is the discount shopping associated with buying from an online shopping mall that has led to the popularity of this trend. Besides, you get redeem points; every time you buy a product, you get points. You can get the points accumulated and once you know that there are enough points, you can get the points redeemed.

When you are ready to use your credit card or debit card for discount shopping, do ensure the authenticity of the online shopping mall. Reading of reviews can help you choose a reliable platform. The payment gateway should be safe; also the online mall should have in its databank various brands. If you conduct a research, you will be able to choose the best online shopping mall to buy products regularly. Besides comparing prices of different products to get the cheapest option available in the best quality, you can also come across a number of lucrative deals and offers with online shopping.

 

Don’t Go Over Board With Holiday Spending

It is easy to get swept away during the holiday season, people are baking and cooking, making travel plans, and buying gifts for friends and family. However, many people also get swept away by over spending. During the holiday season people want to get the best ift possible, sometimes no matter the cost. What ever happened to “it’s the thought that matters”? Throughout the year, more people file for bankruptcy and fall into debt after the holiday season than any other time of year. There are a few things you can do to help prevent going into debt.

Try to pay for things with cash. By using cash you can physically see and feel how much money you have. Using credit and debit cards it easy to over spend since you are’t completely aware of how much money you are handing over. Some people don’t even read how much their purchase will be and use their card anyways. While using a credit card it is easy to rank up debt. The thought that “oh, I can pay it later” seems like a great idea, but if you don’t have the money for it now, what makes you think you will have it later. This thought helps people feel more at ease when buying gifts or decorations but in the end you wind up with fees and interest rates that you aren’t able to pay.

Come up with a list of items for people you wish to get gifts for. This helps you stay practical while shopping by not wanting to buy everything in sight. When you do come up with your list, research the item online to see what the price range may be and how much you are willing to spend on that item. You can also decide to limit the amount of gifts per person to be only one or two items. If you decide to limit the number of gifts you are going to give people you can save a lot of money by cutting out extra costs. While creating your list, think of items that people will actually use or want. No, I’m not saying buy everyone socks, but make sure that what you are getting is something that the person really wants. That way you know your money is well spent and the item wont be set aside or regifted.

Another thing you can do is shop early. Some people shop for christmas gifts all year long which helps them manage their money easier. When you spread out your purchases through the year, paying for items or paying off credit cards is easier instead of being bombarded with an enormous bill right after the holiday season. Also, try to avoid last minute shoping. Prices are normally a lot higher if you wait till the last minute to buy gifts, decorations, and food. By shopping throughout the year and avoiding last minute shopping, you can catch sales and more stores will have the item you are looking for so you have more choices when it comes to prices.

Doing your research to see what prices are ahead of time, shopping early, and keeping a list helps you keep everything organized and in check. It seems at some point we all forgot that it really is the thought that counts, not what you got or how much you spent on it. If you are really low on funds and feel as though you can’t buy anything, there are a ton of things you can make that are more personal than anything you can buy at the store.

 

Online Shopping Information

Holidays or not, online shopping is fast becoming the main shopping choice for many people. People prefer online stores for their shopping needs over the brick-and-mortar stores for a variety of reasons – discounted prices, quick price comparisons, unavailability of desired items in the retail stores, 24 hours shopping convenience, etc. Whatever the reason is, before you jump into the online shopping bandwagon, you must consider a few things to avoid frustration and monetary loss.

Before you pull out your credit card to buy an item at an unbelievably reduced price, think about the reasons why the merchant is throwing out his profits. Maybe it is a total scam and they want your credit card number to rip you off. Or maybe they want your personal data. If you find a shopping site, usually advertised in a spam e-mail, that sells for example $100 software for $10, look out! You can bet that this is a scammer’s site. For this reason it is safe to stay with the big online shopping sites. Sites that are publicly traded or reputable private companies do not spam your email inbox with unsolicited advertisements. And these big online shopping sites have a state of the art secure checkout systems.

Before you select sites that are worthy of your hard earned money, ask your friends about their experiences with online shopping sites. Another approach is to use a search engine like Yahoo to search for items you plan to purchase. When you use Yahoo to search for an item, you will get advertised and non-advertised sites offering your searched items at different prices. Don’t simply jump to the first website that offers your searched item at the lowest price. Check out a few sites before you decide where to make the purchase.

Many sites like bizrate.com or nexttag.com offer price comparisons, reviews, and shopping site ratings. Use these sites to read reviews and to do a price comparison. Sites like techbargains.com publish information on latest bargains, coupons, and discounts offered by various online shopping sites. Websites like deals2buy.com offer everyday hot deals and coupons. Monitoring this type of sites provides opportunities to get great bargains. One comparison shopping site, buysafeshopping.com, provides information on qualified shopping sites that have gone through a screening process for merchant’s identity, online sales experience, and the ability to deliver purchased items.

If you have to shop with an unknown online merchant, check for their telephone number at their website. Contact someone at the merchant’s physical location and talk to them. Ask them about their privacy and refund policy. If you cannot find a phone number or the phone number goes to a voice mail instead to a live person, go shopping somewhere else. There are dozens, if not hundreds, good online merchants for any items you want to buy.

At the online checkout counter, you have to use a credit card to pay. When you use your credit card, make sure that your credit card and personal information are sent using encryption to avoid someone intercepting your information for unauthorized use. To check for encryption, look for https in the URL. It is perfectly safe if the site has http in its URL for all pages except the order page – the page where you enter your credit card and other personal information like address, etc. Also, look for a closed lock icon in the bottom right corner that indicates the webpage is secure. Avoid public computers at cafes, airports, etc. for your purchases. The danger is that hackers can install key-loggers to log your key strokes before they are encrypted.

Always use a credit card to pay for your online purchases. Most credit cards have online purchase protection. If something goes wrong, you can always call your credit card company and dispute the charge. You do not have to pay for your disputed charges till the dispute is resolved. Federal laws limit your liability to $50 in charges should someone uses your card fraudulently. Never use a debit card. Debit cards pull money out of your bank account as soon as the transaction is made. If you are ripped off, it may take months before you get your money back – that is if you ever see it again.

How safe is online shopping? If you are careful, you can guard yourself against identity and credit card thefts by following safety tips, such as the ones discussed above. A big safety tip is that you have to have a firewall, antivirus software and anti-phishing software on your computer to be completely confident that your online transaction would be processed securely.

 

How to Purchase Vehicle Parts

You may not realize it yet but looking for appropriate car parts may be an intimidating task. With so many car parts outlets selling an assortment of merchandise, you may be in for a tough search for automobile parts. What is the best move for vehicle owners?

    • Always make your purchase from shops with a great track record. This will assure you that the products being sold here are authentic and are not low-quality nor broken-down items. If you opt to purchase from online outlets, make sure that the dealer carries an SSL or Secured Sockets Layer on its site to ensure that your credit card transactions are secured. You can try to use credit card rims that are capable of reversing questionable transactions.

 

    • It is also advisable to do comparison shopping among the different websites so you can find reasonably priced items. Online dealers usually have a vast network of suppliers. Though these sites do not charge for shipping, make sure that the prices have not been increased to make up for the “free” delivery costs. Do your research before ordering any parts.

 

    • Check the manufacturer’s site carefully since this will most likely offer complete information, which include photos and video footage of their products.

 

    • Establish a harmonious relationship with the retailer of vehicles parts and accessories. Most of the time, local shops offer more reasonable prices, better warranty terms, and exchange policies. These local shopes also offer superior customer service, far better than other big retail stores that sell automobile parts.

 

    • Prior to purchasing an item, know and understand the provisions of warranties for car components, as well as the policies of vendors for returns and exchanges.

 

    • If possible, buy brand new parts and not the used commodities. The quality of aftermarket stocks is often questionable because you never know where these came from and how long it will last.

 

    • You can also try auctions where there are used but good car parts because a lot of vehicle owners have the tendency to sell parts even if these are still very useful. The procedure is the same as in any public sale where the highest bidder gets to be awarded the bid. You can start looking for products that you need in leading auctions sites to save you time.

 

  • There are also local classified ads in print newspapers and on the internet. Just make sure that you deal with a reputable merchant before transacting business with the person. You can also refer to numerous automotive forums on the web. Car owners are very fascinated about cars and car vehicle accessories so this interaction will provide you with leads in making smart online purchases.

It is certainly very convenient and cost-effective for you to just stay home and order the car parts you need from online sources. You do not have to hop from one shop to the other, spend money for gas and deal with parking problems. The key is to be clever and prudent in looking for the right trader to avoid being deceived by unscrupulous companies.

 

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

All You Need to Know About 2 Wheeler Loan Finance

With growing demand in semi urban and rural areas, 2 wheeler industry is a high growth sector. The industry is estimated to be Rs.6, 000-Rs.7, 000 crore in size. This means there is abundant opportunity for 2 wheeler finance companies. There was limited awareness about financing for a 2 wheeler in the olden days but with the increasing penetration of financial institutions across the country, it has become possible to obtain 2 wheeler finance quickly and conveniently.

Getting 2 wheeler loan finance has become easy. The eligibility criteria, documentation requirement and the process has been mentioned below:

Eligibility:

Individuals above the age of 18.
Salaried individuals who have been employed for more than a year.
Business owners who are running a business for over a year.

Documentation:

Identity Proof
Address Proof
Income Proof
Valid KYC documents
Passport size photographs

Procedure:

In order to apply for 2 wheeler loan finance, the applicant needs to scout the market for various Banks and financial institutions offering the loan. Based on the terms and conditions of the respective financial institutions, the applicant should choose the one that suits his requirements. The application process is quick and transparent. The applicant needs to meet the eligibility criteria in order to apply for the loan. Further, the applicant needs to submit the application form and provide the required documents to the financial institution. The customer executives are friendly and will guide through the entire process of application. The application will be processed within 48 to 72 hours and the loan will be approved in no time.

It is advisable to seek a loan from a trustworthy financial institution. They offer flexible tenure and easy repayment options. With a low rate of interest and a flexible repayment tenure, purchasing a 2 wheeler has become quick and easy. Individuals with a positive credit history can get the loan approved quicker and are also eligible for the special schemes. Once the loan amount has been disbursed, it is not possible to change the tenure and amount, hence it is important to give the loan application a good thought and settle for a repayment tenure which is possible based on the monthly income of the applicant. Financial institutions offer customized solutions to the applicants based on their requirements. Depending on the type of 2 wheeler to be purchased, the loan amount will be sanctioned.

The applicant will only be required to pay a small amount as down payment and the balance can be converted into a 2 wheeler loan which is to be repaid in easy monthly installments. Upto 95% of the on road price of the vehicle is available as a loan to the applicant and the repayment tenure ranges between 12 months to 48 months. With the increasing demand of 2 wheelers across the country, Banks and financial institutions are offering loans which meet the requirements of the consumers and they also settle the terms accordingly.

Some of the Biggest Mistakes When Looking For a Motorcycle Loan

The Essentials in deciding On Motorcycle Loan.

Sometimes the necessity or excitement of owning a motorcycle cast a bad spell on our buying decisions, especially when the purchase form is a loan. So, before making that impulsive mistake only to regret later consider these essential factors when deciding to apply for a motorcycle loan.

  1. Interest Rates:

The moment you think of a loan, the interest rate coupled with it should ring a bell. Most often attract interest rates over shadow the risk factors involved. Always begin with good amount of research and comparison of interest rates. You do not want the burden of high interest rates steal the joy of riding your new bike!

  1. Smart negotiation:

When you are about to make a purchase decision, do not merely focus on the form of payment and negotiate on how you intend to go about it. A smart negotiation effort would include, negotiating on the payment. Payment always precedes the payment method!

  1. Loan Inclusions:

Discuss with the lender all the accessories that the loan is inclusive off. You do not want to pay additional bills besides paying off your loan. The wiser discussion and decision would be to know about the inclusions and the exclusions of the loan you have applied for.

  1. Loan security:

Always consider what is at stake should you face difficulty in paying off your loan. Some lenders hold the purchased motorcycle as the security, failing to pay will mean ceasing your bike. Some other lenders may consider other collaterals as security. Unsecured loan plans are other alternatives but comes with a high cost of increased interest rates. So, your loan security should be well thought through deliberate decisions considering all the risks involved. You do not want to risk something in vain!

  1. Loan penalties:

Pause before you sign your loan agreement. Although knowing the details of the penalties tailed to your loan amount can be cumbersome and you want to skip through it, it may not be the best of your decision. At best, avoid signing loan agreements that come with stringent penalties. A decision in time, saves you from a future disaster!

  1. Easy loan termination:

Most lenders allow early clearance of your loan and some do not. It is best for you to verify the termination policies before you sign that loan agreement. You do not want to pay with interest rates, while you own the money to clear a credit.

Owning a motorcycle is useful as well as exciting, but what is more important is sustaining both while using it. Using the right loan tailored to your needs is worth every effort.

Hidden Advantages of Outsourcing Services for the Car Loan Industry

Let us face the reality that today, we live in a ‘do-it-yourself’ way of life. As they should, people want to show off their auto repairs, home improvement projects, and many other tasks that majority of us would more often not seek professionals to perform the task, as they just prefer to do it by themselves.

It is absolutely a great value in a number of ways. You can gain expertise from your experience. Sometimes, it does not necessarily mean that it is a better way to go from doing something by yourself because oftentimes, it pays more to hand over and look someone for help.

Many of the car loan businesses are beginning to worry about not only getting in the game but also in maximizing their returns with all sizes racing to compete in the lending market. To outsource car loan business services, many industry experts understand that it is often considered more cost-effective.The most obvious reason for doing this is because industries don’t have to hire new staffs or underwriters solely for car loan operations and services. You have to keep in mind that those industries are also avoiding the other expenses related to assisting the infrastructure associated with an internal underwriting team.

But the advantages don’t stop there because there are a number of hidden advantages that many businesses fail to consider when entertaining ideas of outsourcing their car loan business processing that includes staffing and funding. Here are some of the hidden advantages of outsourcing for car loan business:

Increase the Number of Loans that Leads to More Net Profit

Just consider it as any consumer business committing to sales. As this dealer management is all about being able to see, looking for your niche and catering your offers to the biggest needs of your dealers. Better and stronger relationship with dealers and having more dealerships in the network in order to drive portfolio growth is one of the end goals of outsourcing some services when you are in the car loan business.

Improved Relationships with Customers

Your staff will be able to intensify its focus on strengthening relationships with your customers- making visits, gathering feedback and better addressing their needs that will drive growth for your car loan business portfolio.

A Guideline that Allows the Outsourcing Provider to Serve as an Extension of Your Car Finance Team

Your outsourced car loan provider should be able to efficiently, quickly, and easily customize its financing scorecard to fit your representation. By doing this, it guarantees that making a decision for car loan financing is consistent and fits your appetite and business plan.

Access to Consultation and Expertise

It allows your business to avoid common pitfalls that businesses fall victim to when trying to get in-house functions off the ground when outsourcing your car loan business processing. Through outsourcing, those businesses must hire the expertise that is readily available.

After-Hours Process

By waiting until the next business day to respond to proposals, don’t miss out on those deals especially over the weekend when many consumers have time to hunt for motorcycles, cars, and trucks.

It will absolutely offer a significant benefit over businesses with in-house operations that are confined to traditional business hours when you have an access to after-hours processing service.

Are you ready to revolutionize the way you do business? Grow your business by outsourcing.