Find Magic in Your Home With Payday Loans and Tiffany Lamps

The first American president said that he would rather be on his farm than to be the emperor of the world. There is no way to understate the importance of home in our lives. Home is the only place we want to go back to no matter what happens in our lives. Whether we become the president of the U.S. or reach the pinnacle of Mt. Everest, we know that home is where the heart is. Heck, even one of the dogs in “1001 Dalmatians” said: “I want to go back home because it is only there that I know who I am”.Needless to say, we only want the best for our house. We want it to be as livable and elegant as possible. There’s no debating the fact a beautiful house brings about charm and positive feelings to the people inside. It can be difficult, however, to determine the right combination of furniture sets, appliances and home fixtures in improving the look of the house. And there are times when, unless we make use of payday loans, we cannot afford to pay our desired home improvement needs.Tiffany MagicWant to experience magic in your home? Perhaps the best way to improve home in an instant is to purchase for Tiffany lamps. This type of table lamp is a combination of elegance, history and artistry. Tiffany lamps are not necessarily cheap; you may opt to apply for payday loans from online companies offering simple and convenient service. Some companies offer their loan service without the need for credit score. All you need to present is the certification that you work for at least three months in a legitimate company. Yes, that fast and simple. In matter of days or even hours, you are on your way to withdraw your payday loans in Ontario.Tiffany lamps are not mere house fixtures or table lamps. They are actually masterpieces of the decorative artist extraordinaire in Louis Comfort Tiffany. During his time, he was one of the prime movers of Art Nouveau movement. Tiffany lamps are unique among all the decorative lamps available today due to its one-of-a-kind style and design. They are made of stained glass windows paving the way for their elegant and amazing beauty. Today, Tiffany lamps are sold as collector’s items because of their historical and artistic value. If you can secure approval of the payday loan, though, you will surely have one or two of Tiffany lamps inside the house. What’s even more amazing, Tiffany lamps can blend with the house theme.Purchasing Tiffany LampsWhen buying authentic Tiffany lamps, it can run high up to hundreds of thousands of dollars. Buying the original creations of Louis Tiffany requires authentication from his descendants who reserved the right to distribute Tiffany lamps. But definitely, with payday loans to help you realize your dream of authentic Tiffany lamps, you can have them in no time. And your home will never be the as bright and glowing as ever. Thanks to payday loans!There is another and cheaper option in Tiffany lamps, though. Various glass makers have devised a way to replicate the original designs and materials used by Louis Tiffany. With the replica version of Tiffany lamps, it won’t be difficult to purchase Tiffany lamps for each room in the house.If diamond is to jewelry, Tiffany lamp is to house lamps. Can you imagine why Tiffany lamps remain so popular today? It’s because this type of lamp has an everlasting effect with it. Whether original or replica version of Tiffany lamps, it should be noted that not all Tiffanys have the same designs. The original Tiffany lamps were each handcrafted, not mass-produced, by Louis Tiffany and aides using varying and intricate designs. Just make sure to process your payday loans as soon as possible so that you will experience a new look in your house without renovating it. After all, we want to experience magic in our home sometimes.

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The 5 Challenges of E-Commerce for Small Businesses

As the founder and CEO of a provider of shopping carts for small businesses, I am in a privileged position to witness and analyze cases of success and failure in the implementation of e-commerce sites on a regular basis.Based on my experience, I have been able to identify five challenges applicable to most cases. Store owners can usually arrive at the same conclusions through trial and error, but in e-commerce the long way is always the expensive way. The best option is then to learn from the success of other on-line stores.1. Your potential customers DO NOT trust your siteThe Internet allows mom-and-pop websites to look just as good -maybe even better- than the websites of large corporations. All potential customers are well aware of this and they will be unimpressed by a sophisticated layout and a professional logo. Potential customers DO NOT trust the site they have just arrived at, and it must be your conscious decision to do what it takes to make them change their minds. Start by displaying a physical address, a telephone number, and a list of people behind the site. Consider joining forces with other websites that will create legitimacy for your own. If you can get your suppliers and distributors to mention you on their websites, this will surely make your business appear more trustworthy. Join a best practices organization such as the Better Business Bureau, or a privacy certification program such as Truste. Encourage and provide the means for your customers to review your products or services under their name and company. Publish success stories, always making sure the author is clearly identified. And most importantly: answer all pre-sales questions fully and in a timely manner. Many potential customers will contact you with very basic questions, or for information already provided in your FAQ section, just to test your company’s responsiveness. Allocate the necessary resources to assure quick, personalized and courteous responses to all pre-sales inquiries.2. Your products or services WILL NOT sell themselvesAn alarming number of e-commerce store owners believe in the following equation blindly:Traffic + Good Prices = SalesUnfortunately, the reality is much more complex than that. Your products or services WILL NOT sell themselves. Even if you have a significant number of visitors and the lowest price, potential customers may choose to purchase elsewhere on the web. Why is that? Maybe other sites have invested more resources to showcase the same product. Make sure your shopping cart allows you to present products and services like you want them to be seen. If you need five images per item, a long description including HTML formatting, multiple categories, external links and reviews, adapt the application to suit your needs rather than adapting your business to the limitations of the shopping cart. Also, add your own unique text to the standard product descriptions provided by the manufacturer or supplier. If you feel you don’t have the skills to create attractive descriptions for your products, hire a writer you can afford at Guru. Make an effort to get the lowest possible shipping rates or offer free shipping, and publish rates along with shipping delays before the customer checks out. Displaying your products and services fully and thoroughly, investing time and efforts, will help the products on your website outshine the same products offered elsewhere on the web, boost your reliability, and rank your website in search engines.3. The urge to purchase DOES NOT last longEven if a potential customer finds your site, comes to trust your business, and feels compelled to purchase your products or hire your services, that urge DOES NOT last long. Therefore, your website must be designed to let it flow and enjoy it while it lasts. The information required at each step, and the number of steps proper, must be as little and as few as possible. If you sell downloadable software, prompting for a shipping address is definitely a waste of precious time. The shopping cart you have purchased may boast thousands of features, but one of the few features which will truly make a difference in terms of sales is a short and simple checkout. Even if you have already invested in a design or in a shopping cart program with an inconvenient checkout, weigh in the revenue you are missing out on due to a bad decision when you set up your business. Don’t hesitate to switch providers. When you do, remember that the ideal checkout that will make the most of customers’ urge to buy is one where the process is complete with three screens: product view, input of customer and payment information, and confirmation. The simpler, the better. If you have no choice but to present a more complex process, make sure it is not too removed from the ideal three-step model.4. Customers DO NOT favor stores which are too standardMany small stores don’t have a budget to hire a consultant that will devise a custom strategy, so they settle for standard tools. Instead of hiring a web designer, they purchase a template. Instead of purchasing an exclusive template, they purchase a shared template that can be seen everywhere on the web. Instead of developing a custom e-commerce application, or customizing an existing one, they use a standard e-commerce service provided by the hosting company. A direct consequence is that potential customers perceive a lack of commitment by the company to adapt standard tools and create a unique purchasing experience. Therefore, the relationship of trust is not created and the urge to buy is hampered. This means it is crucial to adapt standard tools: the look of the shopping cart should match the overall look of the site, and the functionality must be in line with store requirements (going back to the example above, stores selling digital goods must not prompt for shipping information or quote shipping rates). If you lack the necessary resources, hire a programmer or designer at Rentacoder. There you can post your job and available budget, and receive bids by programmers willing to take up your project.5. Your small e-commerce site WILL NOT go unnoticed by hackersEven if you have overcome the difficulties of setting up your site and you are happy with your sales, there may still be trouble ahead: e-commerce sites are one of the favorite targets of hackers. If you think your site is not relevant enough to catch their attention, you are wrong, and this way of thinking will not help you prepare to face related risks. All e-commerce sites, even those which sell one product a week, are the target of multiple attacks. Some attacks are not successful at all, others have some level of success, and others are so successful that the consequences for the owner of the store can be devastating. The main purpose of hackers is to get customer information and credit card data, redirect payments, and obtain products free of charge or at a lower price. If a hacker steals your customer database and sells it to spammers, the reputation of your site will be ruined. Not to mention what will happen if the hacker commits fraud with the credit card data. Hackers who attack e-commerce sites randomly usually don’t take the time to devise specific ways to intrude. They simply determine which shopping cart and payment method are used, they try to access with default passwords, they look for databases in their standard locations, and they try to intrude the database by means of a common attack known as SQL Injection. If their attempts are not fruitful, they just move on to the next potential victim. So, in terms of security it is not absolutely necessary to have a big budget and hire an expert, either. The key lies in your attitude: define complex passwords, customize your shopping cart installation (change the location of the control panel, change passwords, change the location of the database), and check that the versions of the software you use for your web server, FTP server, database and shopping cart don’t have any known and patched vulnerabilities. Last but not least: keep informed; stay in touch with software vendors and visit websites where security issues are reported, such as NewOrder. This will minimize the chances that security in your site is compromised, and you will be able to focus on your real target: selling more and selling better.That is all. I hope you find The 5 Challenges of E-Commerce for Small Businesses beneficial for your business.Good luck and happy selling,Roni Alhadeff,
Founder of Comersus Shopping Cart
Author of Succeeding in E-Commerce

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Avoid These Six Common Life Insurance Mistakes

Life insurance is one of the most important components of any individual’s financial plan. However there is lot of misunderstanding about life insurance, mainly due to the way life insurance products have been sold over the years in India. We have discussed some common mistakes insurance buyers should avoid when buying insurance policies.1. Underestimating insurance requirement: Many life insurance buyers choose their insurance covers or sum assured, based on the plans their agents want to sell and how much premium they can afford. This a wrong approach. Your insurance requirement is a function of your financial situation, and has nothing do with what products are available. Many insurance buyers use thumb rules like 10 times annual income for cover. Some financial advisers say that a cover of 10 times your annual income is adequate because it gives your family 10 years worth of income, when you are gone. But this is not always correct. Suppose, you have 20 year mortgage or home loan. How will your family pay the EMIs after 10 years, when most of the loan is still outstanding? Suppose you have very young children. Your family will run out of income, when your children need it the most, e.g. for their higher education. Insurance buyers need to consider several factors in deciding how much insurance cover is adequate for them.· Repayment of the entire outstanding debt (e.g. home loan, car loan etc.) of the policy holder· After debt repayment, the cover or sum assured should have surplus funds to generate enough monthly income to cover all the living expenses of the dependents of the policy holder, factoring in inflation· After debt repayment and generating monthly income, the sum assured should also be adequate to meet future obligations of the policy holder, like children’s education, marriage etc.2. Choosing the cheapest policy: Many insurance buyers like to buy policies that are cheaper. This is another serious mistake. A cheap policy is no good, if the insurance company for some reason or another cannot fulfil the claim in the event of an untimely death. Even if the insurer fulfils the claim, if it takes a very long time to fulfil the claim it is certainly not a desirable situation for family of the insured to be in. You should look at metrics like Claims Settlement Ratio and Duration wise settlement of death claims of different life insurance companies, to select an insurer, that will honour its obligation in fulfilling your claim in a timely manner, should such an unfortunate situation arise. Data on these metrics for all the insurance companies in India is available in the IRDA annual report (on the IRDA website). You should also check claim settlement reviews online and only then choose a company that has a good track record of settling claims.3. Treating life insurance as an investment and buying the wrong plan: The common misconception about life insurance is that, it is also as a good investment or retirement planning solution. This misconception is largely due to some insurance agents who like to sell expensive policies to earn high commissions. If you compare returns from life insurance to other investment options, it simply does not make sense as an investment. If you are a young investor with a long time horizon, equity is the best wealth creation instrument. Over a 20 year time horizon, investment in equity funds through SIP will result in a corpus that is at least three or four times the maturity amount of life insurance plan with a 20 year term, with the same investment. Life insurance should always been seen as protection for your family, in the event of an untimely death. Investment should be a completely separate consideration. Even though insurance companies sell Unit Linked Insurance Plans (ULIPs) as attractive investment products, for your own evaluation you should separate the insurance component and investment component and pay careful attention to what portion of your premium actually gets allocated to investments. In the early years of a ULIP policy, only a small amount goes to buying units.A good financial planner will always advise you to buy term insurance plan. A term plan is the purest form of insurance and is a straightforward protection policy. The premium of term insurance plans is much less than other types of insurance plans, and it leaves the policy holders with a much larger investible surplus that they can invest in investment products like mutual funds that give much higher returns in the long term, compared to endowment or money back plans. If you are a term insurance policy holder, under some specific situations, you may opt for other types of insurance (e.g. ULIP, endowment or money back plans), in addition to your term policy, for your specific financial needs.4. Buying insurance for the purpose of tax planning: For many years agents have inveigled their clients into buying insurance plans to save tax under Section 80C of the Income Tax Act. Investors should realize that insurance is probably the worst tax saving investment. Return from insurance plans is in the range of 5 – 6%, whereas Public Provident Fund, another 80C investment, gives close to 9% risk free and tax free returns. Equity Linked Saving Schemes, another 80C investment, gives much higher tax free returns over the long term. Further, returns from insurance plans may not be entirely tax free. If the premiums exceed 20% of sum assured, then to that extent the maturity proceeds are taxable. As discussed earlier, the most important thing to note about life insurance is that objective is to provide life cover, not to generate the best investment return.5. Surrendering life insurance policy or withdrawing from it before maturity: This is a serious mistake and compromises the financial security of your family in the event of an unfortunate incident. Life Insurance should not be touched until the unfortunate death of the insured occurs. Some policy holders surrender their policy to meet an urgent financial need, with the hope of buying a new policy when their financial situation improves. Such policy holders need to remember two things. First, mortality is not in anyone’s control. That is why we buy life insurance in the first place. Second, life insurance gets very expensive as the insurance buyer gets older. Your financial plan should provide for contingency funds to meet any unexpected urgent expense or provide liquidity for a period of time in the event of a financial distress.6. Insurance is a one-time exercise: I am reminded of an old motorcycle advertisement on television, which had the punch line, “Fill it, shut it, forget it”. Some insurance buyers have the same philosophy towards life insurance. Once they buy adequate cover in a good life insurance plan from a reputed company, they assume that their life insurance needs are taken care of forever. This is a mistake. Financial situation of insurance buyers change with time. Compare your current income with your income ten years back. Hasn’t your income grown several times? Your lifestyle would also have improved significantly. If you bought a life insurance plan ten years ago based on your income back then, the sum assured will not be enough to meet your family’s current lifestyle and needs, in the unfortunate event of your untimely death. Therefore you should buy an additional term plan to cover that risk. Life Insurance needs have to be re-evaluated at a regular frequency and any additional sum assured if required, should be bought.ConclusionInvestors should avoid these common mistakes when buying insurance policies. Life insurance is one of the most important components of any individual’s financial plan. Therefore, thoughtful consideration must be devoted to life insurance. Insurance buyers should exercise prudence against questionable selling practised in the life insurance industry. It is always beneficial to engage a financial planner who looks at your entire portfolio of investments and insurance on a holistic basis, so that you can take the best decision with regards to both life insurance and investments.

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