How to shop Online as Real shopping?

The modern online shopping experience should offer the advantages and service that shoppers get in a high end, brick-and-mortar shopping setting.As an apparel company, how do you make online shopping feel like real shopping? It starts with your brand.Many retailers have failed to deliver on their brand promise by being too laissez-faire about e-commerce. In its early days we saw many examples of websites with an attitude reflective of "let's build a website, and if we can generate a bit of revenue from it, great."There are still retailers who underestimate the potential of the online channel to help their brand - and end up instead damaging their brand.In practical terms,
one can hardly blame the shopper who assumes he'll get as rewarding an experience from a retailer's online store as he does from brick-and-mortar shopping. Is it unreasonable, for instance, to expect that a retailer with a 100-year history of providing quality goods and top-notch service, would abide by the same principles online that made it a success offline? There are lots of examples that would suggest there are different rules for selling to online shoppers.
In its 2008 retail benchmark survey, Retail Systems Research reported some interesting findings about brand and cross-channel consistency. In terms of delivering an online experience that helps - rather than hinders - a retailer's brand, the feedback was upbeat: 99 percent of retailer respondents indicated a need to "create a single brand identity across all channels;€VbCrLf and 94 percent indicated that it is important to provide "consistent and clear explanation of product features and benefits, regardless of channel.
For exampleRoss-Simons, for example, is a forward-thinking multi-channel jewelry and gift retailer in this regard. One of the reasons for its success in its traditional businesses - brick-and-mortar and catalog - was a deep understanding of what was important to its shoppers, how they shopped, and what would make them comfortable enough to make what is typically considered a fairly expensive purchase. The application of this understanding - and the principles that have made them successful offline for more than 50 years - has translated into online success to the tune of more than $70 million.
What do shoppers want?
Shoppers want to shop: They want to browse; they want to imagine; they want to evaluate and compare; they want to contemplate and consider; and ultimately they want to buy. They want to feel good. Shopping works subconsciously: Our brain exhibits certain characteristics when we shop; both negative and positive responses occur depending on the experience. Sometimes, aspects of the shopping experience such as friendly sales clerks, eye-catching displays or aisles that are easy to navigate can trigger brain activity that brings about these "euphoric moments,€VbCrLf says Dr. David Lewis, director of neuroscience at Mindlab International, a United Kingdom-based consultancy whose clients include athletes, retailers and advertising companies. "The brain is turned on by novelty,€VbCrLf according to Dr. Lewis.
Can the online retailer make this happen? Can an online fashion retailer make the fashionista shopper feel the same high that she gets when she walks into a swish boutique?
Don't press that back button!
The new e-commerce - Web 2.0 - is about making it easy to shop. Providing shoppers with an experience that eliminates shopper anxiety (you know ... that feeling that you're missing something €¦ because your choices are being reduced against your will or you've been forced down a path with no possibility of return to where you started in the store) is a step in the right direction. Web 2.0 e-commerce is about delivering a shopping experience that replicates offline shopping in a number of ways. First, it allows shoppers to browse, evaluate and take action without going through a linear progression of steps that requires a level of commitment early in the process that the shopper may or may not be ready to make. What we're talking about instead is an interactive "single-page€VbCrLf shopping experience that gives a shopper a feeling of control and versatility.
Give the shopper a chance to ponder?
There might come a time when we wish that the offline shopping experience were more like the e-commerce experience; e-commerce is no doubt influencing the offline shopping experiences that retailers offer today (think about in-store kiosks - some shoppers prefer to "search€VbCrLf rather than consult with a human associate). However, brass ring online etailers are reaching for looks that match the much-cherished, "superior€VbCrLf brick-and mortar shopping experience. It all starts with this basic concept: Give shoppers the opportunity to consider products - and take action - if they want to. When something catches your eye in a store, you might want to quickly evaluate but not commit to it just yet. Perhaps you want to give it a closer look - pick it up, turn it over and look at it from multiple angles. You probably want to know more about it: how much does it cost? What do other people think of this product ("hey, have you ever tried one of these?€VbCrLf). Web 2.0 features such as product hover allow shoppers to do just that - to take a moment to evaluate, and then decide if a particular product is worth further consideration. Think about how you "hover€VbCrLf during offline shopping; you take some time to ponder a product before taking the next step. We do this all the time - it's how we shop. Freedom to select the right course of actionWhat if a shopper likes a product? It seems to meet his or her initial criteria and depending on where the shopper is, he or she may choose to: Put it in the shopping cart; keep it in mind for another time by adding it to a wishlist; compare it to another product; or even share it with a friend (i.e. "hey, check out this extremely cool snow-boarding jacket
The shopper should be free to do this with several products. If you can't decide now, then choose later. In fact, we know that when it comes to shopping and purchasing, timing is everything. The reality is that shoppers aren't always ready to buy - at least as much as they, or you, would like in any given shopping expedition (electronic or otherwise). Shoppers carry around with them a mental wish list. They have seen something in your virtual shop window and are waiting for the right time to purchase; or perhaps they just want to think about it (or would rather someone else buy the item for them). By offering an online "thinking about€VbCrLf function, shoppers feel in control. They are able to consider products side by side just as they do in the store. With the contents of the "thinking aboutf area in plain view, shoppers can make an informed decision about which items make the final cut for purchase. Because the shopper doesn't leave the page, the items they are thinking about stay in clear view and top of mind. If the shopper leaves the site and returns at another time, any items that remain in the "thinking about€VbCrLf section will be there on the next visit.Putting it all together onlineThe modern online shopping experience should mirror the advantages and service that shoppers get in a high end, brick-and-mortar shopping experience. Shoppers want information, and lots of it. be able to see and choose from a variety of styles, colors and brands. Online retailers need to understand that there is more to e-commerce than just providing a safe and convenient way to buy online. Shoppers want to browse; they want to imagine what the product will provide for them - how they will look in that necklace, how they might feel in that cocktail dress, how their lives will improve with a big screen LCD TV for their den, and so on. Today's online customers want to evaluate and compare; they want to contemplate and consider - and ultimately they want to buy.
It is the merchant's responsibility to make customers feel good about themselves and about their selections and purchases - regardless of channel.

Real Online shopping

What do I need to know about online shopping?

If you want to shop online you need to know where to go, how to find out what's on offer, how to pay and how to be sure that you're shopping somewhere you can trust.
It's easy to get confused when you're shopping by computer, so knowing what to look for is important.
After all, if you're buying clothes online you want to be sure they're what you want.

How it works
Shopping online is more like using a shopping catalogue than anything else. You look through the list of all the stuff they've got to sell, choose the things you like and send off your order.
It's a bit more complicated than that - this is the internet after all - but you'll quickly see that it's

pretty similar.
The front page of an online shop is like a window in the shopping centre - you get the shop name and an idea of the sort of stuff they sell, with all the special offers and things they think will make you want to buy.
Once you step inside then everything is laid out on shelves - in an online shop this is the catalogue. You wander around putting stuff into your shopping basket and then you reach the

checkout and pay.
If you're in the mall then you take the stuff home yourself, but unless you're buying music or computer programs that can be sent directly to you over the internet you'll have to arrange

home delivery.
And once you've tried the clothes on or seen what the curtains look like against your wallpaper, you might want to return goods to the shop.

Finding the shops
You can try using a search engine to find a shop, but you're better off with a directory. If you want to buy wallpaper online then searching for 'wallpaper shops' at Yahoo! will quickly take you to Wallpaperdirect.

The checkout

At the checkout you hand over your money. Most online shops let you pay by credit or debit card - Switch or Delta. You'll need to enter the card number and expiry date.
Some sites are cautious enough to ask you for the security code printed on the back of your card too, in case someone has found an old receipt in the dustbin and stolen your card number.
Before you pay, make sure that the site you're using has a safe checkout. Look for a small padlock in the bar at the bottom of your web browser.
This tells you that the information you're sending to the shop can't be read by other internet users. If you don't have a bank account then you'll find it difficult to use online shopping, as they don't take cash and most won't even let you send them a cheque in the post.

Getting my stuff
Unless you're buying music to play on your computer, or a program that you'll be running, the stuff you've just bought will need to be delivered to you. Some online shops just post it; others use delivery services like Securicor or Federal Express.

Some of the online supermarkets have their own delivery teams, like Tesco and Asda. The main problem is making sure you're in when the stuff arrives, as otherwise you'll have to collect it.
The supermarkets will let you choose a delivery slot, and they'll deliver at weekends too, but if you buy from Amazon you'll be lucky if you're at home when the post arrives.
You also need to be careful that you don't end up paying too much for delivery. With Tesco it's a flat 5 pounds on top of your shopping bill, which is ok if you're doing a weekly shop.
But other sites charge differently. The delivery charge should be clearly stated when you get to the online checkout - if it isn't then you're taking a risk, because you could end up with a bigger bill than you thought.

Do I trust them?
It's easy to set up an online shop. Too easy, as this means that dodgy dealers can make themselves look as good as Marks & Spencer with a bit of work, and customers would not be able to tell the difference.

Forex trading

Foreign Exchange
This short introduction explains the basics of trading Forex online, a brief explanation of the markets and the major benefits of trading Forex online. There are also two scenarios describing the implications of trading in a bear as well as a bull market to better acquaint you with some of the risks and opportunities of the largest and most liquid market in the world.
As an additional aid for those who are new to Forex, there is also a glossary at the bottom of this text which explains some of the terms used in connection with currency trading.
Overview Foreign exchange, Forex or just FX are all terms used to describe the trading of the world's many currencies. The Forex market is the largest market in the world, with trades amounting to more than USD 3 trillion every day. Most Forex trading is speculative, with only a low percentage of market activity representing governments' and companies' fundamental currency conversion needs.
Unlike trading on the stock market, the Forex market is not conducted by a central exchange, but on the “interbank” market, which is thought of as an OTC (over the counter) market. Trading takes place directly between the two counterparts necessary to make a trade, whether over the telephone or on electronic networks all over the world. The main centres for trading are Sydney, Tokyo, London, Frankfurt and New York. This worldwide distribution of trading centres means that the Forex market is a 24-hour market.

Trading Forex
A currency trade is the simultaneous buying of one currency and selling of another one. The currency combination used in the trade is called a cross (for example, the euro/US dollar, or the GB pound/Japanese yen.). The most commonly traded currencies are the so-called “majors” – EURUSD, USDJPY, USDCHF and GBPUSD.
The most important Forex market is the spot market as it has the largest volume. The market is called the spot market because trades are settled immediately, or “on the spot”. In practice this means two banking days.
Forward OutrightsFor forward outrights, settlement on the value date selected in the trade means that even though the trade itself is carried out immediately, there is a small interest rate calculation left. The interest rate differential doesn't usually affect trade considerations unless you plan on holding a position with a large differential for a long period of time. The interest rate differential varies according to the cross you are trading. On the USDCHF, for example, the interest rate differential is quite small, whereas the differential on NOKJPY is large. This is because if you trade e.g. NOKJPY, you get almost 7% (annual) interest in Norway and close to 0% in Japan. So, if you borrow money in Japan, to finance the trade and buying NOK, you have a positive interest rate differential. This differential has to be calculated and added to your account. You can have both a positive and a negative interest rate differential, so it may work for or against you when you make a trade.
Why Trade Forex?
24 hour trading
One of the major advantages of trading Forex is the opportunity to trade 24 hours a day from Sunday evening (20:00 GMT) to Friday evening (22:00 GMT). This gives you a unique opportunity to react instantly to breaking news that is affecting the markets...
Forex Liquidity
The Forex market is so liquid that there are always buyers and sellers to trade with. The liquidity of this market, especially that of the major currencies, helps ensure price stability and narrow spreads. The liquidity comes mainly from banks that provide liquidity to investors, companies, institutions and other currency market players.

No commissions
The fact that Forex is often traded without commissions makes it very attractive as an investment opportunity for investors who want to deal on a frequent basis. Trading the “majors” is also cheaper than trading other cross because of the high level of liquidity. For more information on the trading conditions of Saxo Bank, go to the Account Summary on your SaxoTrader and open the section entitled “Trading Conditions” found in the top right-hand corner of the Account Summary.
Profit potential in falling markets
Since the market is constantly moving, there are always trading opportunities, whether a currency is strengthening or weakening in relation to another currency. When you trade currencies, they literally work against each other. If the EURUSD declines, for example, it is because the US dollar gets stronger against the euro and vice versa. So, if you think the EURUSD will decline (that is, that the euro will weaken versus the dollar), you would sell EUR now and then later you buy euro back at a lower price. In case that the EURUSD indeed declines, then you can take your profit. The opposite trading scenario would occur if the EURUSD appreciates.......

Insurance

Insurance

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of a guaranteed small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance. The insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

There are different types of Insurance which provide us financial security and relief...


Auto insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: (1) Property coverage pays for damage to or theft of your car. (2) Liability coverage pays for your legal responsibility to others for bodily injury or property damage. and (3) Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium


Home insurance

Home insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurances excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets


Health Insurance

Health insurance policies by the National Health Service in the United Kingdom (NHS) or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance, like medical insurance, is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with health insurance. Most countries rely on public funding to ensure that all citizens have universal access to health care.

life insurance

Life insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial, funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance.
Certain life insurance contracts accumulate
cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the
tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving
as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles (e.g., IRAs, 401(k) plans, Roth IRAs) may be better alternatives for value accumulation. A combination of low-cost term life insurance and a higher-return tax-efficient retirement account may achieve better investment return.


New arrived Windows mobile

Windows Mobile 5.0 has arrived with great new features,
and as usual, we are getting new bugs.

Owners of this new operating system for sure have noticed that every time they run an application for the first time, the OS warns about the “un-trusted” origin of the program. An application has to be digitally signed to be qualified as “trusted,” and in order to obtain this credential, the author has to pay huge amounts to Microsoft's partners in charge of this business. Microsoft's idea behind this diabolic mechanism is that the Electronic Signature serves as warranty to users that the program is free of bugs and viruses and designed to be used in devices that use Windows Mobile. Unfortunately, the amount of money required in this process is more than what the majority of freelancers can pay. And freelancer are 80-90% of all authors currently in the market. This is the main reason why users are asked by the operating system for permission to proceed with the execution of programs.
But this is not a major inconvenience. You are asked for the permission to run the application, and when you click yes, you are never asked again the next time you run the same program, because the operating system keeps track of the application name, size and time stamp of the executable. If any of these parameters change, you will be asked again the next time you run the exe if you authorize this “new” program or not.
At this point, I'm sure you are asking yourself that what is wrong with this process? Well, with Windows Mobile 2003, Microsoft started to implement a new method to handle the creation of programs that are going to be used by people that speak different languages. The new method is called “Multi User Interface” or just MUI. And this is how it works: all labels that are shown in the different screens of the program are saved in a resource file with extension MUI. In that way, you can have a MUI file for different languages. In the name of the file you specify the language using a code. Let say that you have a program called EXAMPLE.EXE and an accompanying MUI file for English and a MUI file for Spanish. The MUI file for English has to be called EXAMPLE.0409.EXE and the MUI file for Spanish is going to be called EXAMPLE.040A.EXE. If you plan to distribute your program in Spain, let's say, you will include in your installation the EXAMPLE.040A.MUI file and your EXAMPLE.EXE. You can even include in your installation all your MUIs, and the executable and the operating system will use the MUI file according to the language used by the operating system installed in the device.
The MUI files can be used too for a very different matter: if you have a program that was initially designed for a QVGA machine and you want to use it in a VGA machine, you can tell the operating system that this program is going to use the real resolution of the VGA Screen 480x640 by creating a MUI file with a HI_RES_AWARE flag on it. Thus, when the operating system sees the flag, it will not apply the so-called “
double pixel” feature that makes possible to use programs designed for QVGA in VGA machines.
Ok, but again, what is the problem with all this? Where is Windows Mobile 5.0 is going wrong? Well, when you are asked to authorize an “un-trusted” program that use one of these MUI files and you have previously authorized it, the operating system apparently includes the name of the executable in its authorized list but it does not include the MUI. As a result. the executable can't see the MUI file and of course, it won't work in the expected manner