Some great tips to buy grocery

Buying grocery for your family is not an easy task especially when you have a big family. People used to buy food deals in Karachi and various grocery items through various online portals. It is a time saving method to buy grocery but you don’t always get what you have ordered for. Hence, shopping your food items from the market is always better.

There are few tips for you to keep in mind when going out for buying necessary grocery items for your home.

Before going out for shopping food items make a list of required things. Consider your weekly or monthly menu and include in the list all the necessary items. Allocate your budget and shop things accordingly to avoid any unwanted things and save money for the rest of the month.

Try to buy things in bulk whenever possible, as it can save you a considerable amount and relieve you from the hassle of visiting markets frequently. Compare the prices of various food items and go for quality products at competitive price. By following these handy tips, you can easily purchase your grocery and keep your fridge full of food items until your next visit to the grocery store.

Counsel for Online Shopping Addicts?

Megan, a listener, writes in: “Pastor John, I have a confession: I love stuff, and I am very materialistic. I buy things online and get a thrill in buying as well as getting things in the mail. I know I need to stop this, and I want to stop. But how do I? And why do I do it in the first place?”

I have tasted enough of what Megan is talking about that I think I can speak with some sense of empathy, even though for me the temptation is almost entirely restricted to books, as you can imagine.

I love to look at Amazon. I love to immediately click on some new book, like Doug Sweeney on Jonathan Edwards the Exegete. O, hasten the day, right?! And I just love to click on “be here in two days” because I am an Amazon Prime guy. And when the doorbell rings and the FedEx guy is walking down the sidewalk, there rises up in me a kind of euphoria that I am going to get to open a box, and in it is going to be a book. I think I know what she is talking about. For her it may be clothing. I don’t know what it is for her, but she likes stuff and books are stuff. They are more than stuff. But they are stuff. And so I feel the issue here — and we are swimming in treacherous waters.

Why is it that we get this kind of pleasure from ordering things — things that we can hold in our hands? And why is it that our pleasure rises when those things come in the mail? And as I have tried to analyze my own heart as well as read about the experience of others and look in the Bible and look at the way we are, I realize that people market things to us. It seems to me that the pleasure rises mainly from the elusive sense that buying and receiving things is life-giving. It feels life-giving. Or it feels like I get a sense of empowerment here.

When this book arrives, for example, there is a kind of this amorphous euphoric sense that life is going to be better for me now. My knowledge is going to be larger. My influence is going to be greater. Some of my weaknesses and limitations of ignorance and looking foolish because I have never heard of this book are going to be overcome. In other words, there is a sense that somehow my life will go better and I will be a stronger, more capable person.

And, of course, for someone else it might not be books. It may be clothing or tools or gadgets or the newest device. And in their case the life-giving empowerment wouldn’t be necessarily like mine. It might be, you are going to look better. You are going to be more productive. You are going to be more cool with your latest data device and so on. And we should admit in passing here that to some degree there is truth in that — maybe. Maybe. We may indeed be enhanced in some way to be more productive or fruitful in a good way, not just a bad way.

But if we are honest — and it seems to me that Megan is really being honest — the pleasures that we feel are not often totally noble. They are not coming primarily from the fact that we are being equipped as better servants of Christ because we just clicked and got it in two days and could open the box.

So we need to hear the words of Jesus: “Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions” (Luke 12:15). It seems to me that Jesus strikes right at the heart of the matter. Life does not consist in the abundance of possessions: that feeling — that arrival of the package in the mail — that feeling is an illusion. The euphoria is short-lived. It is shallow. It keeps us from deeper pleasures that we were made for.

Another reason I think we are so hungry for this kind of elusive, life-giving empowering pleasure is that there is a void in our hearts — some measure of emptiness that Jesus intends to satisfy by himself, his fellowship, his ministry. Paul says in Philippians 4:11–13that he learned the secret of contentment so that he could have little and stay content — no doorbell ringing this week, no packages showing up. Totally content. Or, if the doorbell rings three or four times, he’s still totally content. And the reason he gave is in 3:8: “I count everything as loss because of the surpassing worth of knowing Christ Jesus.” Jesus Christ was such an overwhelming value and precious treasure for Paul that the ups and downs of having much or having little, doorbell ringing, doorbell not ringing, clicking or not clicking, did not destroy his contentment. His craving heart was satisfied in Jesus.

So Megan and I need to devote ourselves to feeding our hearts on Christ and his Word. But not just his Word and his fellowship are satisfying. I am thinking now of Acts 20:35, which quotes Jesus saying, “It is more blessed to give than to receive.” The fact that Megan or I would get more pleasure out of receiving than giving shows that something has gone wrong in our hearts. We were designed as followers of Christ to experience even greater euphoria in giving than in the doorbell ringing and a new package coming. And perhaps this pleasure has fallen into disuse for Megan, maybe, and she needs to recover it. And that very pleasure of giving would dampen the pleasures of material possession.

I would mention just two other points real quick. One is that Paul said in 1 Corinthians 6:12 that he didn’t want to be enslaved or mastered by anything. We are free in Jesus. Megan, as a Christian, is free in Jesus. And she and I should be on the lookout for anything that has an enslaving force in our lives. And when we spot it, we should wave the flag of Christian liberty in front of it and say: You will not enslave me. I am a free woman, or I am a free man. You material thing will not control me, and renounce it in the name of our freedom.

And maybe just one more. The best thing I could say — because it is so breathtaking, it is so influential and powerful when it grips us — is this. Megan, listen carefully: “Let no one boast in men” — or I would say, in things — “For all things are yours, whether Paul or Apollos or Cephas or the world or life or death or the present or the future — all things are yours, and you are Christ’s, and Christ is God’s” (1 Corinthians 3:21–23).

Megan, if you are a Christian, you already possess all material things. You really do. Your Father created and owns everything — everything in the universe. And as his child, you will inherit it and it will be at your disposal in the age to come on the new earth, in the new heavens, and you will be able to do with it as you please. This is why Jesus said: Do not lay up for yourselves treasures on earth, but in heaven (Matthew 6:19–20). In heaven we will have them forever. We won’t lose them. No rust. No thief. And we will be able for the very first time to use them with joy without any greed, without any covetousness, without any idolatry.

So in a sense, abundance of material things can wait. We have more important things to do right now. Love God, love people, and find the greatest pleasure in giving.

Source : http://www.desiringgod.org/interviews/counsel-for-online-shopping-addicts

Mobiles Overtake PCs in Online Shopping for First Time in China

Smartphones and tablets are becoming the preferred choices for Chinese consumers to do online shopping as the value of mobile sales for the first time exceeded the transactions made through personal computers in the Communist country, according to a report.

With the domestic smartphone makers expanding their offerings, the gadgets have become increasingly affordable and mobile Internet connections reaching 594 million.

Share of mobile sales in online sales nationwide gained 3.2 percentage points from the first quarter this year to 50.8 percent in the second, the first time more transactions occurred on mobile gadgets than on personal computer (PC), a report released by consultancy iResearch said.

China's largest online retailers have been pushing for more sales of their mobile apps amid growing penetration of smartphones in the country.

More than 594 million people had access to mobile Internet by the end of the first half of this year, up 6.7 percent from the same period a year ago, according to China Internet Network Information Centre.

In August, Chinese e-commerce giant Alibaba said in its quarterly results ending June 30 this year that mobile transactions account for 55 percent of gross merchandise value on its online marketplaces Tmall.com and Taobao.com.

Alibaba's rival JD.com also said in its second quarter results that mobile orders nearly tripled year-on-year in that period to account for 47 percent of all orders.

Over the past two years, domestic smartphone makers Huawei, Xiaomi and Lenovo have been expanding their offering of budget phones, most with a price tag around CNY 1,000 (roughly Rs. 10,500).

This has made smartphones increasingly affordable, especially among rural Chinese, reported state-run Xinhua news agency quoting iResearch.

China's online retail expanded nearly 40 percent year on year in the second quarter of this year to CNY 872.41 billion, accounting for 12.3 percent of total retail sales in the country.

Source : http://gadgets.ndtv.com/apps/news/mobiles-overtake-pcs-in-online-shopping-for-first-time-in-china-report-771512

A new study shows Online shopping prevents hypertension, depression

Online shopping prevents work-related stress and several types of health issues caused by it like hypertension and depression, a study revealed on Friday.

The study, conducted over a period of six months, that online shopping revealed depression it also showed that over 40 percent of professionals world wide consider online shopping as solution for their stress and depression caused due to their work.

During the survey, which was conducted across major cities including Mumbai, Chennai, Delhi and Pune, it was revealed that most of the people found that online shopping was an easier way to lower stress as it needed less efforts.

The study, conducted by leading web portal Shop Pirate, revealed that 45 percent of the people in India voted online shopping to be the best way to ensure temporary distraction from anxieties caused by the work.

According to the health ministry, 40 percent of the people in cities and 20 percent in rural India suffer from hypertension and the number was fast increasing due a sedentary lifestyle and hectic working official working hours.

Medical experts rate hyper tension and depression as the leading factor for a slew of diseases including heart attacks, paralysis, renal failure and thickening of the arteries.

"While shopping, their level of oxytocin, hormone of love and happiness, increases due to excitement. It's like when we kiss or hug our loved one, we feel this hormone and our happiness grew. This helps in decreasing stress level and relieving shoppers who gets feeling of achievement," Kulpreet Kaur, co-founder of Shoppirate.in, said in a statement.

Source : http://articles.economictimes.indiatimes.com/2015-11-07/news/68089904_1_online-shopping-hypertension-40-percent

Ways to save money when shopping online in Pakistan

Online shopping in Pakistan has become the new trend. Everyone wants to order something as there are tons of amazing deals to be grabbed. Whether you’re looking to buy your next mobile phone or you want to grab a pack of branded Ts, an online store will probably offer you unbeatable prices. But since there are numerous online stores and everyone offers amazing prices, you will have to be sure to grab the best deal. Here are some tips for you to work your way around getting the cheapest online deals in Pakistan.

• Look for coupon codes and deals: Websites such as karachideals.com offer amazing deals, letting you save up to 70% on some products. Similarly, there are other ways to grab coupons. If you listen to radio, many websites offer coupon codes through competitions and adverts. If you’re living in Karachi, you can easily grab a coupon for your favorite product with a little effort. Ask your friends.
• Ask for discount: When buying something in bulk, it’s always handy to ask for some discount. Although you may think online stores won’t offer discount, it’s not the case. Online stores are usually happy to offer discounts to their returning and loyal customers. After all there is nothing bad in asking for a discount even if you don’t get it.
• Keep an eye on Facebook and Twitter for deals and discounts: Twitter and Facebook, among other social networks, are great for deals. There are tons of groups that offer amazing deals and discounts every day. All you have to do is to look around and ask in those Facebook groups for coupon deals.  
• Save on gift wraps: If you want to buy something online, especially cosmetic products, you may want to get it wrapped into a gift paper. This could really surprise the person you’re ordering for but there is no point sending yourself a gift unless you’re really lonely. Even if you have to gift an item to your friend, you may want to ask the vendor to ship it to your address and then you can wrap it at your own and send it to your friend.

These are just a few tips for hunting the best deals. If you’re looking to buy cosmetics in Karachi, online stores can offer a lot more and you can save a lot by simply opting an online store instead of a regular brick-and-mortar store. Just compare prices for different stores and you will be amazed at how much you can save. You may want to look at deals being offered by karachideals.com/tag/cosmetics.There are some great deals that you shouldn’t miss.

How to Use Periscope for Online Shopping this Black Friday?

Periscope is not a new social media. this app will give a great benefits for online shopping lovers It has been around for years and it is owned by Twitter. And on Black Friday, the developers of this app promised that Periscope will be a great addition to your phone when you shop this holiday.

How can Periscope help your shopping?

The big day is approaching.Retailers will be live-streaming their behind-the-scenes footage of the things that their customers expect when that day comes.

The live-streaming feature of this app will make Black Friday online shopping more human as you can see those people behind the retailers. The videos you can watch will feature store employees while preparing for the big day.

The app also offers a layer of exclusivity for loyal customers. Retailers can create broadcasts and choose those viewers who can watch the stream directly from their stores.

Periscope as a social medium for online shopping this Black Friday is not only for retailers, but it is also for shoppers who want to know what they can do on that day.

For instance, if the live-streaming shows a retailer is selling affordable televisions or what is the queue like in their physical store, viewers can easily adjust their schedule or things to buy.

What stores will participate?

Unfortunately, not all stores will be live-streaming on Black Friday. There are only specific retailers who wish to participate.

The reason for this is that some policies of companies about recording may not allow them to use the app. This is especially true during the high-traffic day of Black Friday.

But Periscope is not the only social medium that you can use when you need help for your online shopping.

Twitter and Facebook will be loaded with feeds about what is happening in one store. You can follow some people who will give you a bigger picture view before you even go to the physical store of a retailer.

Beware of Scams

Scammers know that shoppers would go online to buy gifts on Black Friday. What they do is send out fake emails filled with phishing links and virus-filled attachments.

This can be a huge problem to shoppers who made online purchases and they are waiting for the arrival for a legitimate delivery confirmation. Instead, they would get these phony emails.

But before you even click on the link, check the sender’s email address first. This is to make sure that the email was indeed sent by the retailer or the delivery service of the shop.

It is also ideal that you keep track of your packages. Thieves will also target those delivery trucks and grab packages when the truck pulls away.

Always track your delivery and know when it will arrive at your door. In that way, you can arrange to have the package be delivered inside your house right away.

Black Friday is a great time to shop because of the huge deals provided by many online retailers. Use the available social media for your shopping convenience but be aware of those scams associated with online shopping.

Source : https://socialbarrel.com/periscopeforonlineshoppingblackfriday/101087/

London Consumers set for UK's biggest ever online shopping day in Black Friday

Consumers look set to spend their way to the UK's first £1 billion online shopping day as retailers brace themselves for Black Friday. Its a huge day where online shopping spends lots of money Retailers have been bombarding registered shoppers with emails detailing deals today ahead of them becoming available from midnight, while many stores were preparing to open their doors early.

Tesco and John Lewis are both installing queuing systems in expectation of large crowds, while the supermarket giant has assured customers it will have enough security and stock in stores following scuffles over limited numbers of items last year.

Ebay is expecting nine million Britons to visit its website over Black Friday, John Lewis has promised to honour its Never Knowingly Undersold pledge and match competitor's prices and Amazon.co.uk is promising significant bargains tomorrow after a week of early sales.

Argos is offering deals on more than 350 items from 1am online, including £220 off an LG 49in TV, £80 off a Toshiba Celeron laptop and a £70 saving on a Tassimo coffee machine. Superdrug is heavily discounting skincare, electric toothbrushes and perfume.Currys PC World said it was expecting to take up to 10 online orders every second.

Deals include £500 off LG 60in 4K TVs, laptops, tablets and cameras with more than a third of the price off and 75 per cent off the price of pay as you go mobile Wifi.

Police have warned shops to ensure they have carefully thought-out security plans in place for the sales following chaos at a number of stores across the UK last year when huge crowds grappled for cut-price televisions and other big-ticket items.

Experian-IMRG believes internet spending on Black Friday will hit £1.07 billion, a 32 per cent increase on last year's £810 million - the first time that online retail sales in the UK will surpass £1 billion in one day.

The Centre for Retail Research expects a slightly more modest £966 million online, but predicts total Black Friday sales including at bricks and mortar stores will reach £1.39 billion, with shopping over the entire weekend - culminating in Cyber Monday - to hit £3.49 billion.

Visa Europe predicts that shoppers will spend £721 million online on its cards on Friday, up from £616 million last year.But while stores prepare their websites and distribution centres for unprecedented demand, consumer advocates warned that shoppers should exercise caution amid the rush for bargains.

Martin Lewis, founder of MoneySavingExpert.com, has warned that the majority of Black Friday deals "aren't special" and advised shoppers to cross-check deals with items they actually need.He said: "Above all, remember: if you don't want something, don't need it or can't afford it, then don't buy it."

Which? urged shoppers to be prepared by registering for alerts from favourite retailers, searching for regular prices ahead of time in order to spot genuine bargains and to be aware that many deals are already available online.

It also warned that many websites slowed to a crawl last year, and suggested consumers register for online accounts early to "get in and out as quickly as possible".Which? editor Richard Headland said: "There will be a whole host of deals available on Black Friday, but not all of them will be genuine."

Source : http://www.standard.co.uk/news/crime/black-friday-in-london-consumers-set-for-uks-biggest-ever-online-shopping-day-a3124276.html

Shopping Online Is A Treat For Every Woman

Online shopping is like an icing on the cake for every woman. It is the enhanced luxury that women love to indulge in. Purchasing commodities has become considerably easy nowadays and one can witness more and more number of housewives sitting in front of a laptop than in a market or showrooms. The scenario of shopping for women has changed drastically in the recent years because of online shopping markets . The thought of shopping is a thought and a click away. There is every reason that works in favour of women to buy their favourite things online. Here are some of the most attractive reasons for women to buy online.

Planning

Previously, one had to plan out their day to step outside and shop. Whether you are a housewife or a working professional, you do not have to make the efforts of finding a suitable time to pay a visit to the market or a particular showroom. All you need to have is access to internet.

Indoors

Online shopping is a saviour for all those women who hate to step out in the sun and fret over their skin getting damaged. One can shop from the comfort of her air-conditioned bedroom or even office and place her desired order. Certainly, it can’t get more luxurious than this.

Variety

The plethora of options one can find online is unimaginable. Whether you want to buy footwear online or bags or dresses, everything made for a woman is available online. There are countless websites that offer a vast range of products that cater to every female.

Budget

Another attractive feature for women to buy online is the jaw-dropping prices that it offers. Gone are the days when women had to bargain. Also, with the number of attractive sales that take place serve as the best deal for every woman.

Size and Colour

Online shopping has solved the problem of finding the right size of clothes or footwear for women. One does not have to feel disappointed on not being able to find the right sizes anymore. Every size and colour is available for every body type.

Source: http://riyaraic2.tumblr.com/post/133980742201/shopping-online-is-a-treat-for-every-woman

Police beware of porch pirates when shopping online

From Black Friday to Cyber Monday, the holiday shopping season officially starts now.

Police tell us, if your Christmas shopping includes a trip into cyberspace, you should protect yourself from becoming a victim of theft.That's because online shopping usually involves having a package delivered to your home.

Krysi Simon has already started her holiday shopping. And with three small children, she loves the convenience of shopping from home."I can just hop online and just order the things that I need to order and they show up at my door and there is no running thru stores, you know, with three kinds tagging along behind me," Simon said.

But as cyber Monday approaches, Metro Police say there's a good chance thieves could steal your Christmas gifts and joy."Every single year during or around this time, there is a constant flow of packages being dropped off on the front porches of all these homes and it's a crime of opportunity," said Det. Aaron Tinelli, with LMPD's Fourth Division.

Det. Tinelli said the porch pirating has already started."The season is up and we've already started to get cases where packages are being taken off the front porches of homes," he said.Det. Tinelli said there are ways you can protect yourself, in December of last year a homeowner used surveillance cameras to catch a suspect in the act.

"The guy was following the truck, he was following the postal service and other delivery systems," said Tinelli.Tinelli also said you can request a signature."So when that person, whether it's UPS or U.S. Postal Service, they drop it off, they get a signature. If that's not possible...send it to a location where the individual you know is going to be home."

"If I was going to be gone for any extended period of time, those would definitely be options that I would considered," said Simon.Police say if you follow those simple tips, your merchandise should be home with you for the holidays.

Source : http://www.wdrb.com/story/30607949/police-beware-of-porch-pirates-when-shopping-online

How to keep your information safe when online shopping

NEW HAVEN, Conn. (WTNH) — According to the National Retail Federation, more people are expected to shop online than ever before this holiday season. An average person will do about half of their shopping online and spend about $400.

When you go to check out online, As you seen during online shopping often times you’re required to create an account with a password and it saves your credit card information, but experts say hackers are getting smarter every year. So, how can you keep information safe?

When you shp online “Letters, both capital and small letter, numbers, and special characters,” said Curt Esser, Esser Consulting LLC.According to online security company Bit9, a hacker could guess an eight character lowercase password in three-and-a-half minutes.

• Add an uppercase letter to that, it’d take the hacker 15 hours.
• And add a special character to that, it’d take the hacker 70 days to figure it out.
• “The longer the better, and the more complex the better,” said Esser.
• Identity thieves are also getting better at hiding their crime, at first.
• “They usually start with a very small purchase like a dollar, just to make sure that it works. Once that small purchase goes through, then they’re going to turn around and buy some big ticket items,” said Susan Back, BBB.

That’s why the BBB says it’s important to check your credit card statements and contact your credit card company if you see any unexpected charges.

Source : http://wtnh.com/2015/11/24/how-to-keep-your-information-safe-when-online-shopping/

5 Online Shopping Offers To Take Advantage Of Now!

Get ahead of the Christmas rush with 5 online shopping offers that we've found just for you!From fashion to kitchen and homeware, we found the best deals so that you can get your Christmas gifting sorted and save, all from the convenience of your own home.

Each one of our selections offers easy and secure payment options, delivery all over SA, and a wide variety of items to choose from so that you can get something special for everyone in your life. Need some tips for shopping online? Read 5 tips for shopping online for our top tips!

1. Zana

We love to shop online for the homemade fabrics and designer lifestyle goods at Zana, their laptop sleeves and canvas tote bags make an excellent Christmas pressie. Why not get someone special a handmade canvas tote or pouch and fill it with stationary or beauty goodies?

Get 20% off your shopping at Zana when you use promo code CHRISTMASCAMEEARLY.

Hurry because it's only valid until 1 November!

2. Adore This

We love the selection fo international and local new generation designer fashion for women and children at adorethis.co.za!

With prices ranging from R250 to R1500, there's something for everyone.

Their range of swimwear by Lalesso features one-piece swimsuits, bikinis, kaftans, and coverups and you can get 35% off using the code SUMMER. You'll also get free delivery on all orders over R500! So get ready for your summer holiday with divine swimwear from Adore This.

3.Yuppiechef - exclusive to subscribers 4 for 3 shop

Yuppiechef has created a Big 4 for 3 Shop where you can select four products and only pay for three. The lowest price item will be FREE.

There are more than 1500 items to choose from, so mix and match and get your Christmas shopping done early.

4. Prestwich Collection

Order any one of the beautiful designer handbags or wallets from Prestwich before the end of the month and get it Monogrammed for FREE using code TSMONO.

Prestwich features a beautiful range of lifestyle goods like stationery, homeware, jewellery, and accessories to inspire you to live a beautiful life!

PS: You also get R100 off when you sign up for their newsletter.

5. Superbalist

TODAY ONLY: 20% off sale prices.

Get 20% off women's and men's clothing, accessories, and homeware already yon sale. That's a sale on a sale. Hurry its one day only!

Source : http://adorefashion.co.za/blog/lifestyle/5-online-shopping-offers-to-take-advantage-of-now/

The best day to buy online shopping for toys and other gifts

The holiday shopping season is about to begin in full force. But you may not want to wait until Black Friday to start hunting for deals — especially if you’re shopping online.

That’s the takeaway from an analysis of online shopping trends by Adobe Digital Index, a research group that studies online sales data. The research, based on three years’ worth of shopping data, found that discounts on toys, electronics and other goods tend to get deeper the closer we get to Thanksgiving.

But people who want online shopping hold out for cheaper prices risk missing their chance to buy what they want. That’s because as discounts become more generous, out-of-stock messages double or triple, depending on the product, the report found.

Intuitively, that makes sense: The better the deal, the more likely people are likely to snap up toys, tablets and whatever else. But the analysis also points out a trend that some bargain hunters may find surprising. The best deals for online shoppers aren’t found on Black Friday or even on Cyber Monday. Instead, the deepest discounts for many goods were offered on Thanksgiving Day.

That may be explained partly by the trend of more retailers launching promotions on Thanksgiving Day in recent years and increasingly matching the promotions available in stores with the deals consumers can find online. For example, Wal-Mart is among the retailers moving in that direction, with 96 percent of Black Friday deals available both online and in stores this year.

Toys, electronics, jewelry and other items all have different patterns for when prices tend to rise and fall. So consumers trying to find the best day to buy something will need to split up their online shopping sprees. And they may need to start as early as this weekend, says Tamara Gaffney, a principal analysts for Adobe Digital Index.

Here’s a quick guide on the best time to act to buy toys, clothes and other items, according to Adobe’s analysis.

• Toys: Saturday before Thanksgiving

People shopping for toys may want to get started on the Saturday before Thanksgiving, Gaffney says. While toys are likely to be cheapest on Cyber Monday, out of stock messages are expected to triple by then, according to Adobe’s projections. The discounts offered on Saturday should be close to those seen on Thanksgiving and Black Friday, so some people may want to act while stores are still likely to have inventory of the most popular items, Gaffney says.

• Electronics: Monday before Thanksgiving

Electronics will go on deep discount on Thanksgiving Day, the forecast shows. But competition for gadgets will be fierce, with out-of-stock notices expected to jump by more than six times that day. So, Adobe recommends people start buying their electronics as early as Monday. Discounts should be more generous then than they were earlier this month – coming close to the specials people might see on Cyber Monday – but products should still be available. It might also be smart to act by Cyber Monday, since prices are expected to increase after that.

• Apparel: Thanksgiving Day

People who want to give clothing as gifts or to upgrade their wardrobes before the holidays should take advantage of the deep discounts available on Thanksgiving. But there’s no rush. Apparel is expected to get cheaper after Cyber Monday, Gaffney says. Clothes and accessories follow a different pattern from other goods, partly because some people are more likely to buy clothing for themselves than they are to buy it as a gift. In general, retailers will sweeten the deals to entice people to spend more on clothing as we approach the end of the year, she says. Some stores may hold off on discounting items they know consumers will need, such as fancy shoes or formal attire that they might need for the work holiday party, she adds. It might be smart to wait to buy generic items, like socks, until right after Christmas when retailers may be looking to get rid of excess inventory, Gaffney says.

• Jewelry: Thanksgiving Day

Jewelry is another one of those rare categories where the best day to shop online is also the day when discounts are expected to be the most generous. Consumers buying jewelry should try to act on Thanksgiving Day, when prices will be low and inventory should still be high, Gaffney says. Inventory tends to drop off after Cyber Monday, she says, with more people buying jewelry in December as we get closer to the holidays. But people who wait to buy may miss out on the peak discounts of 25 percent expected for Thanksgiving. By Black Friday, average discounts are expected to shrink to 20 percent and by Cyber Monday they should be even less generous.

Source : http://conservativeread.com/the-best-day-to-buy-toys-and-other-gifts-if-youre-shopping-online/

A Loan May Help Have Loads of Debt from Online Shopping

You shop online, pay by credit card and the next thing you know, a large credit card bill shows up in the mail. Almost immediately, you’re stressed out wondering how you’re going to pay the bill in full – or worse – keep up with the 19.99% interest being tacked on to the balance. Last year, I spent $19,000 on clothing through online shopping. It’s happened a few times in my life and on occasion, my only solution was to pay the hefty 19.99% credit card fees on the outstanding balance. But what if you had options?

There are other solutions and the good news is if you have good credit and are ready to face your debt, you have options. One of those options is getting a loan. It’s great if you have a high-interest credit card carrying a balance, or have multiple cards and want to consolidate to pay down your debt.

If you have good credit and need to consolidate, it’s easy to get a loan in minutes for debt you currently have. You’ll be able to roll all your debt into a new, larger loan at one low-interest rate you pay each month.

You’ve done too much online shopping, now what?

Face The Facts

Do you know how much you owe and how many lenders you owe money to? Facing your debt facts is the first step to consolidating your debt into a loan. Statistics Canada says the debt-to-income ratio of Canadian households stands at 163.3 per cent. That means for every dollar Canadians earn, they owe $1.63 in debt. That’s a good reason to consolidate and pay it off. The first step is to get a credit report and check your credit score. Your credit report will show all your current debts from all lenders. Once you have this information, write down the interest rate you’re currently paying beside each one. Knowing your interest rates is important for the next step, applying for a loan.

Apply for a Debt Consolidation Loan

Consolidating your debt into a loan will reduce the interest rate you’re paying but will not eliminate your debt. It’s simply a solution to reduce the amount of interest you’re paying and to help you pay the loan off faster.

Writing down your rates is a helpful exercise for you to understand what rates you are currently paying. This will help you when it comes time to apply for a loan to ensure you’re paying a lower interest rate.

Did you know you could apply for loans through sites like Borrowell in minutes and have your loan in 48 hours? Yep. It’s simple and easy. No more 2-week waits with a bank to be told you have to drive to a branch to sign off on paperwork. Who needs that nonsense? Believe me, been there, done that.

The best part in applying for a loan with Borrowell? No hard inquiry on your credit report, which means no impact to your credit score. Nice!

Quick tip: Once you open a debt consolidation loan, consider closing those high-interest credit card accounts, reducing the credit limits or lock them away. Be careful how many you close at once as it can negatively affect your credit score!

Pay it Off Quickly

Consolidating debt with a loan is a great way to reduce your interest rates and will allow you to put more money toward the principal. Now that you have a loan, the key is to stop shopping, lock away or cut up your credit cards and get laser focused toward paying back the debt. You may also want to find your “why”. Why do you want to be out of debt? Do you want to achieve financial freedom? If so, this can be a great motivator and goal to focus on during your debt repayment. You’ll stay focused and eventually you’ll be debt free.

Source : http://www.budgetbloggess.com/have-loads-of-loan-may-help/