Think about Good and Bad Credit Card

Credit cards have no foreign body again. Probably almost everyone has a credit card, with a variety of reasons they have. If we use them wisely, of course it will be very good and helpful in an emergency or would benefit if many discount shopping deals when we needed it. However, the credit card will be bad if we are wrong usage of up causing a lot of debt and the private economy so chaotic. Below is taken from a website that explains the good and bad credit cards.bad-credit-good-credit

The Good: When a credit card is used properly and responsibly, it may have many advantages for the cardholder. Some advantages to using a credit card may include:

  • Credit cards are very useful for emergencies
  • Credit cards are often required to hold a reservation
  • Credit cards offer protection against fraud above and beyond other payment tools (like debit cards, especially when shopping on the Internet)
  • Many credit cards offer great bonuses, such as cash rebates and frequent flyer miles (you automatically get these bonuses for just using the card!)
  • And perhaps most importantly… if credit cards are used responsibly they can help you establish a positive credit history

The Bad: If a credit card is used irresponsibly, it may have many disadvantages and cause the cardholder financial distress. Perhaps the most devastating result of using a credit card irresponsibly is the effect it may have on your credit history. If you do not use credit cards properly, you can develop a negative credit history and, in turn, lower your credit score. In the long run, a negative credit history can prevent you from qualifying for loans later in life including a mortgage to buy a home or a loan to buy a car. In addition, people with low credit scores have difficulty renting apartments, pay higher interest rates, pay higher insurance rates, and have difficulty obtaining a job.

Don’t let “the bad” scare you away from using credit cards. You want to benefit from the advantages credit cards offer, right? It is quite easy to use a credit card responsibly. The tables below outline both positive and negative credit card practices:

To use a credit card POSITIVELY:
Pay your credit card balance in full every month
Pay your credit card bills on time
Apply for only credit cards that are needed
Keep track of all your credit card charges by keeping receipts
Check your monthly credit card statement for errors

 

AVOID the following when using credit cards:
Making late credit card payments
Paying only the minimum payment
Exceeding your card’s credit limit
Charging items that you can’t pay off immediately
Owning too many credit cards

Avoid the bad and even worse… the ugly by following the guidelines above to use a credit card responsibly. Take advantage of the many benefits credit cards have to offer!

source : https://consumerjungle.org/jungle-talk/good-bad-ugly-credit-cards

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Gadgets review in 2015

We have entered the second month of 2016. Here we will review gadgets in 2015.  Gadgets are the most sought after and his prediction? Information Below is taken from the site www.fool.com

2015 was an interesting year for gadgets. Smartwatches slowly began to enter the mainstream, notably helped by the introduction of the Apple (NASDAQ:AAPL) Watch. Less complex, fitness-focused wearables also continued to surge in popularity, led by Fitbit’s (NYSE:FIT) array of bands. Video game consoles remained relevant, moving millions of boxes, as did dedicated streaming devices.

Let’s take a look at some of the year’s best-selling gadgets.

The iPhone remains dominant
While Samsung may sell more smartphones than Apple on an absolute basis, Apple’s individual models are more popular, as it offers only a handful of different smartphones at any one time. In 2015, it sold just six models (the iPhone 5c, iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, and iPhone 6s Plus).

Apple discloses its total smartphone sales on a quarterly basis, but doesn’t break out individual models. Still, it’s likely that 2014’s flagship — the iPhone 6 — was the best-selling smartphone of 2015. In July, research firm Counterpoint Research reported that the iPhone 6 was the best-selling smartphone in every single month since its introduction. The iPhone 6 Plus was the second-best selling.

That’s not surprising, given that Apple’s flagships have been the single best-selling smartphones for the last several years. So long as demand for the iPhone remains strong, and Apple’s model offerings remain limited, the iPhone 6s seems likely to be 2016’s best-selling smartphone.

Fitbit leads the pack
Fitbit sold more wearables than any other firm during the first three quarters of the year, according to research firm IDC. And given the recent rising popularity of its mobile app, Fitbit likely maintained its lead throughout the holiday shopping season.

Like Apple, Fitbit discloses total device sales, but doesn’t break out individual models. Research firm NPD Group, however, reported that the Fitbit Charge HR was the best-selling fitness tracker overall in the U.S. from April to September. Fitbit’s more expensive model, the Surge, was the best-selling wearable among those devices equipped with GPS.

Fitbit faces a great deal of competition, but its momentum heading into 2016 is undeniably strong.

The PlayStation 4 looks like this generation’s winner
In November, Sony (NYSE:SNE) announced that its latest video game console, the PlayStation 4, had sold 30 million units worldwide. That’s likely quite a bit more than its primary competitor, the Xbox One, as Microsoft has stopped disclosing Xbox One sales figures, instead shifting its focus to various measures of engagement. In the U.S., NPD Group tracks console sales on a monthly basis, and in almost every month this year, it reported that the PlayStation 4 was the best-selling console.

With several highly anticipated exclusives set to launch this year (most notably Uncharted 4), demand for the PlayStation 4 could remain elevated in 2016. The addition of PlayStation VR, which is slated to make its retail debut sometime in 2016, should also help.

Debuting in second place
The Apple Watch went on sale in April, and almost immediately became the best-selling smartwatch. According to IDC, Apple sold the second-most wearables of any company in both the second and third quarters. The only firm that exceeded it — Fitbit — doesn’t offer smartwatches. In fact, in the third quarter, Apple was the only firm among the top five offering a true smartwatch (China’s BBK sells a phone-watch hybrid aimed specifically at kids — Xiaomi, Garmin, and Fitbit sell fitness bands).

It’s not clear if Apple will update the Apple Watch in 2016. But if it does, it could remain the best-selling smartwatch, as its competitors have been unable to find much success.

A compelling value proposition
Alphabet’s (NASDAQ:GOOG) (NASDAQ:GOOGL) Google Chromecast was the best-selling digital media streamer for at least the first quarters months of 2015, according to research firm Strategy Analytics. The dedicated streaming dongle edged out many of its competitors, including the Apple TV, Fire TV, and the various Roku boxes.

Google updated the Chromecast in the fall, launching a second-generation model with a new look and greater Wi-Fi capabilities. It’s functionality, however, remained roughly unchanged, as did its price tag. At just $35, the Chromecast is among the least-expensive ways to send streaming Internet video to your TV. In the third quarter, it captured 35% of the global market for streaming devices.

Given its affordability, it may be difficult for its rivals to overtake the Chromecast in 2016, but the market for dedicated streaming devices remains in its infancy, and they continue to evolve at a rapid pace.

To be Smart and safe shopping tips

Ease of shopping is very indulgent humans, especially for those who like to shop, and especially women. Many access and allowed us to enjoy the convenience of shopping, but remain alert and careful because there is a gap of danger and crime there. For that before shopping so are we careful and selective in choosing an online store do not be fooled by the tempting offerings.

Here’s a list of tips you should consult when shopping online. Print this page and keep it in a handy place so it will be easy to review before you order.

  1. Trust your instincts. If you don’t feel comfortable buying or bidding on an item over the web, or if you feel pressured to place your order immediately, maybe you shouldn’t.
  2. Be knowledgeable about web-based auctions. Take special care to familiarize yourself not only with the rules and policies of the auction site itself but with the legal terms (warranties, refund policy, etc.) of the seller’s items that you wish to bid on.
  3. Double check pricing. Be suspicious of prices that are too good to be true. Also consider carefully whether you may be paying too much for an item, particularly if you’re bidding through an auction site. You may want to comparison shop, online or offline, before you buy. Make sure there are not extra shipping or handling costs.
  4. Find and read the privacy policy. Read the privacy policy carefully to find out what information the seller is gathering from you, how the information will be used, and how you can stop the process. If a site does not have a privacy policy posted, you may not want to do business with it. If it does have a privacy policy, there will probably be a link to it from the seller’s home page, or it could be included with the Legal Terms.
  5. Review the return, refund, and shipping and handling policies as well as the other legal terms . If you can’t find them, ask the seller through an e-mail or telephone call to indicate where they are on the site or to provide them to you in writing. See Legal Terms.
  6. Make sure the Internet connection is secure. Before you give your payment information, check for indicators that security software is in place. See Security.
  7. Use the safest way to pay on the Internet. Pay for your order using a credit card. See Payment.
  8. Print the terms. You should print out and date a copy of terms, conditions, warranties, item description, company information, even confirming e-mails, and save them with your records of your purchase. See Recordkeeping.
  9. Insure the safe delivery of your item. If you’re concerned you may not be home when your package is delivered and that someone may take it if it is left on the doorstep, ask whether you can specify that the shipper must receive a signature before leaving the package. Or, it may be safer to have the package delivered to your office. See Delivery.
  10. Inspect your purchase. Look at your purchase carefully as soon as you receive it. Contact the seller as soon as possible if you discover a problem with it. Tell the seller in writing about any problems you have, ask for a repair or refund, and keep a copy of your correspondence. See Legal Terms.

Some ways are safe and appropriate for your online store

There are many reasons why a pre-built eCommerce platform might sound more appealing to you than having to hire a web developer to build a brand new one for you. Though, from experience, in most cases the heaviest factor is the ease of use and ability to work closely with a community of other online store owners.

The eCommerce platform market isn’t a tiny one, there are literally hundreds of options available – some might have a simple feel to them, but that isn’t always enough, while some might feel extremely cluttered, but provide cheaper rates and prices.

You’ll encounter beginner difficulties when picking your first eCommerce platform to work with, but right out of the bat – this are the questions you should be asking yourself:

  • Stock Size: Always consider your size of stock, and whenever you’re browsing for an store platform to use, make sure you’re paying the smallest amount of money for the services that you require. Many businesses will provide alternative payment methods for just a couple of products.
  • Digital or Physical: This is always the question to ask. What is it that you’re selling? Digital or physical goods? It makes all the difference when thinking about shipping costs, etc,. Look for platforms that suit your product needs.
  • Payment Method: If you’ve got issues with using PayPal (the most easy and popular payment processor), you’ll need to look into making arrangements, as not all eCommerce platforms favor 3rd party payment processors.
  • Self-Hosted or Hosted: Exactly what I was mentioning in the opening paragraph. If you feel you’re confident in modifying the look of your online store (on regular basis), look for platforms that will enable you to have a self-hosted version of the store. Either way, most eCommerce platforms provide the ability to modify your store within a live environment.
  • Payment Plan: Last but not least, select the platform that best suits your budget. Look for opportunities to pay monthly amounts instead of relying on giving a small percentage of a sale to the company that is hosting your platform.

At this point, all that is left to do is to pick one of the most popular eCommerce platforms available today, and begin experimenting/working with it – until you find something that clicks and you right away know that you’ll be using that particular platform for at least a few sales. The above image features plenty of online store platforms that you can try and read more about. We will take a look at the top three.

Shopify is great for selling clothing, furniture and digital books.

With over 120,000 online customers; Shopify is no doubt the leading online platform when it comes to building your own online store. Just late last year, in December, 2013 – Shopify secure a seed funding round of $100M, which puts them way ahead of the competition in terms of finances to use for developing new technology, and reaching new markets.

If I was to start an online store for selling digital books, furniture or clothes – I’d straight away pick Shopify. The reason is quite simple, the extensive Shopify themes and addons directories are somewhat targeted to those types of stores, and there are already thousands of customers doing exaclty the same thing.

The real advantage here is the community support you’re able to receive, if there is ever any problems that might occur during the setup and post-setup process. the cheapest plan will begin at $14/month, while the most sought after plan – professional – will set you back $79/month and give all the necessary freedom to begin selling in minutes. Literally.

Volusion will help you sell equipment, home furniture and everything outdoors.

It is almost as a rule that each eCommerce platform will try and provide support for different areas of goods to sell. In this case, I’d go with Volusion if I was about to open a store for selling bikes, food items or modern home furniture – as the styles they provide by default are perfect for such stores.

Volusion’s shopping cart software includes features for product merchandising, site design, search engine optimization, online marketing and order processing. Other notable features include mCommerce, Social Store Builder, affiliate marketing and a loyalty rewards program. Volusion also offers additional services including domain names, credit card processing, fraud protection and more.

They’re home to more than 50,000 customers (store owners) and have a great track record, while also offering an independent shopping cart software for serious customers. Notable clients include names like Disney and Motorola.

WooCommerce will help you keep it classy!

This is only for those who feel truly adventurous, and are willing to take on a challenge. The WooCommerce WordPress plugin is completely free, but it will come at a cost of learning how to set it up, how to design themes for a new store and how to develop singular plugins to enhance your newly built store. All of these things come at a cost, and usually scare beginner businessman away. However, if you feel like learning more about WordPress & ecommerce, here’s a list of very useful plugins I’ve compiled a while ago.

Choosing the Right eCommerce Platform Has Never Been Easier

We should have plenty of knowledge and questions at our disposal to make the best possible choice for choosing the right platform for our very own online store. If you’re looking for advice, then I’d probably suggest going with Shopify first – but only because it provides a transparent experience of how online shopping works for the merchant, and the customer. You can also check out this chart to compare all major ecommerce platforms.

Source : http://ecommerce-platforms.com/articles/choose-right-platform-online-shop

How to Increase online sales with fantastic results

When most people start selling stuff online, they often create extensive product and service lists. They think having a little something for everyone will help them get more sales.

The problem is, people think “more is better,” but in the real world, long product lists are conversion killers.  And if you want to increase your sales by 1,000%, you must streamline your offerings.

To illustrate, let me share Sheena Iyengar’s famous field test.

How to Increase Online Sales: Fewer Options, More Sales

Sheena Iyengar, a professor at Columbia University, set up a free tasting booth in Draeger’s supermarket—an up scale grocery store, known for an extensive product selection—on two consecutive Saturdays.

One Saturday, 24 flavors of jam were available, and on the other, 6 were available.

Now take a guess. Which display sold more jam?

Given the “more is better” mindset, you’d think the larger display sold more. But that’s not what happened.

When 24 jams were available, 60% of the customers stopped for a taste test and 3% of those bought some. When 6 jams were available, 40% of the customers stopped for a taste test, but 30% bought some.

Huge results. While the larger display attracted more people, the smaller display sold more jam. About 6 times more. A 600% increase in sales.
Why Fewer Options Lead To An Increase In Sales

Buying products and services is mentally taxing. In most cases, it’s not a “black and white” answer. You need to understand the available information, evaluate if it is the right fit, compare it to competitors, and then decide whether to buy or not to buy.

When you have an exhaustive product list, your prospects will have to go through the above decision-making process for each item on the list.

That’s a ton of work!

And it also leads to what social psychologists call choice overload. To summarize, when people are confronted with several options, they often pick none of them and move on to something else.

This was evident in Sheena’s experiment. When 24 flavors of jam were available, 97% of people chose none, whereas when there were 6 available, 30% bought at least 1.

But the question remains…
How Many Options Should You Give Your Customers (and What’s Best For Increasing Sales Online)?

Fewer options means more sales in a supermarket. But how does this work online? Is there a “magic number” of options that give you maximum sales?

While this varies between businesses, in my experience and research, the magic number falls between 1 and 6. Let me explain.

Online Retailers (Customers Often Browse)

If you’re an online retailer, you should aim between 4 and 6 options.

People who shop retail tend to browse, so showing off more options allows you to capture their attention without giving them choice overload.

For example, Amazon, who is known for their rigorous sales testing, shows up to a maximum of 6 books in their “customers who bought this also bought section.”

Note, actual number depends on the width of your browser.

While I don’t have specific sales results, it’s safe to assume this works. Customers who buy jam are similar to those who buy books. They browse before they purchase. And considering it’s Amazon, I’m sure they tested it.

Software as a Service Providers (Customers Need Service)

If you’re selling software as a service, as in, you require a monthly fee in exchange for using your software, the magic number seems to fall between 4 and 5.

In general, when people need service, they don’t want more or less then they need. On one hand, you need to satisfy your light users, and on the other, you want to satisfy your heavy users. But in both cases, you don’t want either group to feel like they’re getting more than they need because they may cancel the service.

For example, fire up 37signals.com, which is another company that is known for its testing. They offer between 4 and 5 plans for each software service. Is it a coincidence? Probably not. Even Netflix offers between 4 and 5 levels of service.

Information Product Sellers (Customers Need Advice)

If you’re an information product seller, you should focus on one product at a time. That’s how all the big info marketers do it.

The reasoning is simple. People want to buy information from people who are experts. So, if you split up your focus, people may doubt your ability to teach them.

What if you have information in different niches? For starters, many of the top info marketers use stage names in different niches. For example, Eben Pagan uses his name in info marketing, but David DeAngelo in his dating products.

You may doubt the authenticity of this type of marketing. But the key takeaway is that you need to make sure you stand for the one thing you’re currently trying to sell. And if you’re offering various types of services, you should consider giving each of them a different home on the web.

The Bottom Line

Now I’m not telling you to eliminate products. Instead, I’m showing you how streamlining your offerings could potentially increase your sales drastically.

How do you streamline? You could create specific, specialized categories. For example, if you’re a web designer, you could offer three different options:

First, you can offer the “getting started online” package, which helps people get a domain, get hosting, and a specialized web design.

Second, you could offer “remodeling your online presence” which helps people with branding and logo design.

And Third, you could offer a “custom option” which is as per the client’s request.

Source : http://socialtriggers.com/get-online-sales/

Tips on buying jewelry that matches your fashion

For those of you who always look fashionable, let always also follow the latest updates on the trend of fashion jewelry. Because the world of fashion and jewelry always in step and inseparable. By pairing your fashion with your jewelry , will add beauty to your appearance.

Here are her tips to help you to make better choices when buying jewelry that hopefully lasts a lifetime:

1. Shop around and do your research. If you are interested in buying
gold, sterling, or even brass, understand each metal and the costs–the research will be worth it! Gold is well over $1,000 an ounce these days, so vermeil, which is gold layered over sterling silver, may be a better alternative.

2. Do the “snag” test. Run the piece of jewelry over your stockings, blouse and skin to make sure the prongs or metal don’t tear your clothing or skin.

3. Do the scratch test. Gently scratch your nail over the item to make sure that it won’t scratch or peel. Sometimes inexpensive jewelry looks like gold or silver but it is actually just paint over inexpensive metal.

4. Test the prongs. If you can lift a prong with your finger nail,
chances are that the gemstone it is holding will fall out and the piece will be worthless.

5. When buying fine jewelry, make sure that wherever you purchase from
has a money-back return policy. You should have anywhere from 14 to 30 days to get a full refund on your purchase. If not, go to a store or retailer who will allow you to return if you change your mind.

6. Wear and love your jewelry and don’t save it for a special occasion. With proper care, your jewelry should last a long, long time and every day should be a reason to celebrate!

Taken from : http://www.glamour.com/fashion/blogs/dressed/2009/12/7-super-helpful-tips-for-jewel

Enjoy online shopping but still save

Shopping is not always to be extravagant, smart shopping can make you frugal spending. Online retailers seem to be becoming more and more creative these days to score big with shoppers. However, if you are a smart deal hunter or would just love to get major discounts without a lot of efforts, try using these ten clever online shopping tips.

  1. Outwit the dynamic pricing trap

Dynamic pricing is a sneaky strategy online merchants offer use to show different prices to different customers according to your location, your browsing and spending patterns and current demand of the product. Have you ever found dirty cheap airfare that went 30% higher when you checked on the next day? That’s dynamic pricing in action. As this technique gotten incredibly sophisticated, most retailers are perfectly aware of your price point and may show you a higher price compared to someone else who pays less in online purchases.

To get a less biased price you should:

  • clear your browsing history and cookies in particular
  • log out of your accounts (email, G+, Facebook etc)
  • switch to incognito mode or better take advantage of online anonymous browsing with Tor browser
  • choose localized website versions instead of being redirected to US
  • choose less developed countries as home to get better prices when searching for airfare
  1. Shop at the right day

Even if it seems tempting to spend your lazy Sunday afternoon browsing around various retailers, don’t cash out too fast. Most stores roll out discounts and special deals on Wednesdays, Thursdays and Fridays. However, Sunday is the best day to score cheap airline tickets with Monday being the most expensive, according to Airlines Reporting Corporation who analyzed over 130 million domestic and international over the period of 19 months. Numbers speak for themselves: $432 is the lowest average price for a round-trip ticket on Sunday; $439 is Saturday’s average, while Tuesday – the former “cheapest day to buy airfare” turned out to average $497.

According to Rather Be Shopping, Tuesday is the best day to purchase laptop and desktop computers as major retailers like Dell Home and Hewlett-Packard send out special coupons every Tuesday. Saturdays are bookworms’ specials as Amazon and Barnes & Noble launch numerous books on sale, targeting readers who love spending a weekend with a new fine read.

  1. Use multiple coupon codes strategically

If the website allows you to combine different coupons and promo codes at the checkout, use them in the right order. Say you have a promo code for a 20% discount and a coupon for 10$, apply 20% promo code first. That will subtract 20% from the full price, afterwards you can dig more savings with your $10 discount coupon.

  1. Ask for price-drop refunds

Say you’ve purchased an item yesterday, but when you checked the next day, it was now on sale. Pretty frustrating, right? However, some companies will refund you the price difference if you contact them directly within a certain amount of days. For instance, Amazon will issue you a refund if you notify them within seven calendar days from the delivery date. Use Camelcamelcamel.com to monitor price changes at Amazon.

Some credit cards also go with price protection. That is, no matter where you shopped – you will refund the difference if the price dips within a certain amount of days. These include Barclaycard Arrival Plus™ World Elite MasterCard®, Citi® Double Cash Card and more.

  1. Take advantage of smart reward programs

Some apps offer you to redeem special bonuses for doing certain actions. You can earn kicks by doing paid online surveys or merely browsing around product catalogs with ShopKick that can be exchanged to gift cards or special discounts. Swagbucks TV allows you to earn swagbucks for simply watching videos and redeem them as discounts from different online merchants.

Case Happy offers 1 point (equals to 0.05£) for each pound you spend on their goodies – lovely Ipad, Kindle and tablet covers. Points can be redeemed as coupons with your next order with no limits on spending. Basically, you can get the 2nd product for free. If you are into designers clothing, check out Guilt Insider loyalty program. You get early access to sales and a bunch of special discounts, plus you earn 5 points for each dollar spent, 35 points for liking them on Facebook and so on. Points can be exchanged for free shipping, exclusive access to flash-sales and a number of other perks. Amazon nails it with Amazon Rewards Visa card with $50 sign up bonus and 3 points added for each dollar spent.

  1. Bargain with the customer service

Just discovered a juicy coupon at your email to realize it has expired two days ago? Fret not! Ring up the hotline and ask if your coupon can be extended as you are about to make your order. Typically, sales reps are interested in closing the deal and will either give you a new promo code or extend the existing one. It may not work each time, especially with low-priced items, yet it is always worth trying.

Alternatively, you can use live time chats now available at most websites. Be polite and ask a few questions about the product you’d like to buy and then inquire if there’s any sort of discounts they possibly may have. It’s not a well-known fact, but chat support can issue special promo codes that are not widely available.

  1. Organize your emails

Signing up to newsletters, coupon sites and promotion lists can save you a huge bucks, but you are too reluctant about getting your email spammed? Try Unroll.me – a handy email add-on that lets you instantly unsubscribe from junk emails and de-clutters your inbox by sending one digest email a day summarizing your preferred subscriptions. Just choose the time of the day when you’d like to receive it.

  1. Run smart comparison checks

To avoid overpaying and scoring absolutely best deals online, install PriceBlink browser add-on (available for Chrome, Mozilla, Safari). It will save you tons of time by automatically pulling the prices for the same product from numerous merchants, organizing them in a smart chart and even notifying you if there are any coupons available.

Alternatively, you can try Pricegrabber app that does the same thing, plus can scan bar codes and provide “bottom line prices” that include taxes, shipping and other add-on expenses.

  1. Leave items in your cart

Leave the products in your cart and step away for a day or two. Firstly, you’ve just avoided making an impulse purchase. Secondly, most retailers hate unclosed deals and will try to retain you. Stores that send coupons or offer a better price on the next day include Bed Bath & Beyond, Macy’s, JC Penney, Office Max and much more.

Remember the trick works only when you have an account on the merchant’s website and you are logged in when you leave your cart.

  1. Accumulate more coupons with multiple email addresses

Some stores love sending huge single use coupons to a selected group of their customers. Increase your chances of saving the big bucks by signing up to their newsletter with multiple email accounts. Now imagine how much money you will receive with three 50% discount codes for one full-priced item purchase, instead of one.

 

Source : http://www.lifehack.org/articles/money/10-online-shopping-tips-save-money-while-scoring-major-discounts.html

 

The smart way of shopping with coupons, and how to get it

Applying coupon codes is an easy way to save money online, yet most shoppers fail to take advantage of them. It’s a hassle to leave a site you are shopping while you have items in your online cart just to look for a coupon code, and many times we check out on the spot when we see a product we like.

Considering the way many websites are set up, this should be no surprise. Retailers actually design sites specifically to encourage shoppers to search, add to cart, and buy on the spot, instead of stopping between shopping and checkout to apply money-saving codes. In order to save the most money on your next purchase, it’s essential to look for a coupon code before you even begin shopping on a retailer site.

Coupon codes, also known as promo codes or discount codes, can save you money in a handful of ways. Some work for online shopping, by providing incentives such as free shipping, and others will save you money on your order total. Some retailers will promote coupon codes on their sites to encourage purchases, however these are often not the best deals. The vast majority of retailers do not display active coupon codes, meaning shoppers must go offsite to find a code and get the most savings.

Luckily, coupon codes are all over the Web, and certain sites are dedicated solely to providing up-to-date coupon codes and links. Coupon sites are usually categorized by retailer or brand, and will usually tell you the success rating of each coupon code, which helps you determine if it’s worth trying. Coupon code sites also provide links to secret promotions that retailers are running on hard-to-find landing pages, which can be accessed directly through the link.

Online coupon code hunting is faster than traditional coupon clipping, but the diversity of coupon sites makes online searching a more complicated process. Although all coupon sites do provide active codes, there is no clear “best” site to find coupon codes. Many coupon code sites feature different coupons, meaning it’s important to check more than one site. Certain sites are dedicated to specific types of shopping, such as grocery shopping, while others will feature coupon codes in almost any category imaginable.

How to Find Coupon Codes Online
You can find coupon codes online in three ways: via search engines, using automated shopping tools, or direct from coupon code sites. Before you search for coupon codes, you should know what brands you are looking to buy and what retailers you want to shop. It’s also a good idea to have a pen and paper handy to jot down coupon codes, and a new browser window in which you can open multiple tabs.

If you want to find the greatest diversity of coupons, it’s best to start with a search engine. In the search bar, simply type in the name of the retailer or brand and the terms “coupon codes,” “promo codes,” or “discount codes.” The results you get from searching a retailer or brand and the term “coupon codes” will be different from the results you get searching with the term “promo codes,” so it’s best to try more than one search. The more options you have to find the best coupon code, the better your chances are of saving the most money, and of finding a code that most adequately applies to your upcoming purchase.

You can also find coupon codes with automated shopping tools, such as aggregate coupon tools and price comparison tools. These tools are automated browser add-ons that automatically display coupon codes when you land on retailer sites, or when you go through an online checkout. The tools claim to find the best coupon code from across the Web, to instantly save you time and money. Ideally, they should be used when you are more determined to shop at a certain retailer than you are to buy a specific product. To see coupons immediately when you land on retailer sites use PriceBlink. To see coupon codes upon checkout, use Honey or Coupons at Checkout.

You can use automated shopping tools in addition to other coupon code search methods to ensure you’re getting the best deal. It’s best to try different automated shopping tools before you shop and see which one best fits your needs. Use one tool at a time when you shop, as having too many shopping browser add-ons can cause complications with how the tools work and how websites load.

If you prefer going directly to coupon code sites, there’s an assortment to choose from. This process saves you the work of using a search engine and searching through results. However, going directly to coupon code sites will limit the variety of codes you see, so it’s best to check more than one site. This approach works best when you’re looking for a specific coupon code, such as free shipping, rather than looking to see all codes that are available.

Top Coupon Code Sites

RetailMeNot
RetailMeNot is a massive coupon code site that also has an deal section and app. The site features over 500,000 coupons from 50,000 stores, and highlights hot retailer promotions and coupons. It also has a well-organized categories page, but to get the most use out of it, it’s best to simply search for coupons by retailer or brand.

Upon searching you’ll see active coupon codes, called “promo codes,” and promotions, called “sales.” You’ll also find real-time data, including the number of verified coupons, the number of coupons or sales added today, and the average savings amount. There’s a comment section along with each promo code and sale, which is helpful to gauge the success of the offers.

SlickDeals
Slickdeals is a community savings site and app that provides coupons and promotions submitted by members and edited by a deal-editing team. The site has a social aspect, as coupons are displayed in order of popularity determined based on votes. Head to the coupon section to find promo codes, which you can search by store, or browse by store or category. On store pages you’ll find active coupons, recently expired coupons, member-submitted deals for that store, and similar store suggestions. Individual coupons display the fine print of how the code may be used and showcases the redemption number.

CouponCabin
CouponCabin is a savings site with guaranteed coupons, along with deals, offer collections, cash-back opportunities, and local offers. In the coupon section, you can search by brand or retailer, or browse by categories including Staff Picks, Free Shipping, and Freebies. Once on a coupon brand or store page, you can view coupon sales and promos in order of popularity, expiring, or newest.

Coupon pages also display real-time data such as average savings, current offers, and coupon clicks along with the option to view similar stores or suggested offers at similar stores.

Source : http://www.pcmag.com/article2/0,2817,2474517,00.asp

A few techniques to be useful for finding scrap silver with ease

These precious metals have become reliable and their value is very stable. People consider silver, specially when the need arises. Furthermore, silver is a malleable metal. Silver has lots of uses varying from kitchen utensils to appliances.

Hunting silver scrap are just as easy as 1-2-3 provided that you know where to find it. Whether you are a collector or investor, below are a few techniques to be useful for finding scrap silver with ease:

Inquire with coin and scrap dealers. Coin dealers are very proficient with whatever they do and they know the best location to find silver along with other precious metals including scrap. You can try the telephone book. You may also attempt to search the web or to ask a a few friends. Well, lucky for you if you live in a little town or city. However, in case you are living in the metro, your best shot is to find coin dealers in malls. You may also inquire in currency changer shops. They might sell coins and might even give you tips where to shop silver scraps.

Visit auctions site. You could visit your local auctions to see if there are scrap pieces available or visit online auctions if you are not in the mood to leave your abode. Find an item that doesn’t have so many high bidders. Just keep your browser busy and you will learn that there are numerous auctions websites now available.

Probably the nearest place you should really be looking for silver scraps is your jewellery box. Look for the jewellery pieces that you no longer like to use. Your grandmother’s old kitchen wares. You may also look at family heirloom pieces. Unlike Gold, silver is more practical and useful in the fashion and accessories industry. Several cufflinks, watches, bangles and belt buckles use silver as the main material. Just be sure that that they are not plated. Moreover, silver is likewise useful in the production of kitchen utensils. You could look over your grandmother’s kitchenware. You can also visit garage sales or second hand shops.

In whatever sort of investment, everyone starts as a beginner. By doing so you will learn how to separate the fake from the real ones. However, if you are new in this kind of trade, it definitely helps to do some research before rushing in this kind of business. There are numerous ways to educate oneself in this trade. Talk to jewellers, sellers and collectors. One very helpful tip that you can use is the idea that fake Silver darkens when dipped in an acidic solution. Second tip is that the price of silver is determined by its quality, age and rarity. In silver as well as other precious metals. when the piece gets older, the better.

In this kind of trade, you would desire to to obtain money. It is also crucial that you determine how much you have to spend and differentiate your needs from your wants to avoid spending more than you can afford. No person wants that to occur.

Choosing sports apparel as gifts

sports wear is a casual  clothing that can be used anywhere. You do not need to wonder if it will use sports clothes as a gift for the people closest to you. Here are tips for choosing sports clothes as a gift from you.

Sports Clothing for the Ladies
Sports Clothing who are lovers of the great outdoors can always use a jacket or shirt for hiking or playing golf. For exercise classes, there’s nothing as appreciated as a sweat jacket, Sports Clothing shirt and pants made for physical exercise and movement. Sweatpants and exercise support underclothing are equally important. Leggings, unitards and leotards are also a good buy for use as holiday gifts.

Sports Clothing for the Kids
Look for the sturdiest brands in sports clothing for children. Their sportswear gifts will get a real workout at leagues or even when patronizing home games. Sports apparel for children is available in colorfast, flame-retardant and stain-resistant fabrics. These are added features much appreciated by their domestic engineer, Mom. For kids, there are lots of pullover shirts, stretchable gym slacks and jackets that match in color and style. They range in size from toddler to teen. Most of the fabrics for children’s sports clothing are virtually indestructible under normal use and easily machine washable.

Don’t Forget Sports Accessories
There are a lot of sports accessories that make great gifts for the holidays or for that matter, any special day. These are things like leg and ankle warmers, support wrist bands or head bands.

Sports wear today is a market in it’s own. The designs, styles and materials that are being used in manufacturing sports gear makes the sport all the more interesting. Cycling is one such interesting sport and cycling gear today is definitely sleek and stylish.

Cycling shorts are not just any shorts they are a style statement! These shorts are lined with G-tex chamois padding that is anti-bacterial and is also a shock absorber. They are light weight, flexible, elasticised and give complete freedom of movement. Cycling jackets are created to suit all weather conditions, they are light weight and are made of micro fibre that keeps you dry in the summer, it’s water proof thus keeps out the rain and the lined material keeps you protected from the wind and cold. Cycling jerseys may be sleeveless or with sleeves depending on the needs of the biker, they have a number of pockets that come in handy on long trips or while hiking. Even the zips are adjustable to provide absolute comfort.

Other cycling wear like cycling gloves and other accessories are important for protection and are also stylish and trendy. They fit the parts they are meant for perfectly and their styles and colours make the gear look all the more appealing.

The importance of cycling wear has been explained above however another important aspect is whether they fit into an individuals budget! Deko cycling offers cycling gear at competitive prices without compromising on the quality in any way. Their products are reasonably priced and thus a cyclist need not compromise his safety for over priced items. Safety is the first priority for every sports person and thus Deko strives to provide that basic right to people by cutting down on prices while maintaining the quality and standard of the product.

Deko products are designed to give you technical cycling clothing at extremely competitive prices. From the fabrics used in our garments to the finished article each product is produced to exacting standards and tested in house to ensure they don’t let you down. It’s because there are no middlemen in our supply chain that we can keep our prices low, we import direct for the factory then deliver directly to you.