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6 Things To Remember When You’re Shopping Online

6 Things To Remember When You’re Shopping Online

Online retail sales are surging. In fact, in the first four months of 2016, all online retail sales rose to an 8.1% percentage growth from over a year ago, according to the Commerce Department. Internet retailer outlets which seem to provide lower prices and convenience are being favored over in-store retailers as more consumers turn to online shopping.

More than just an easy way to shop, online shopping stores benefit consumers in many ways. Convenience is the number one perk that makes shopping online suitable for people who don’t have the time, the energy, or the mood to visit malls. Aside from its accessibility, the internet is a great place to find cheap products and good deals. With a variety of choices, shoppers have all the freedom to choose an item based on their preferred style, brand, or color. Here are several tips for creating smart online shopping habits.

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1. Always Examine Product Details

Not reading the product description is a grave mistake. The problem with the majority of online consumers today is that they make most of their purchase decisions based on the displayed product image. They don’t take time to read and understand the contents of the item. To avoid suffering from a bad case of buyer’s remorse, always check product information before adding the item on your cart. Don’t be fooled by edited and photoshopped pictures which may distort the item’s real appearance.

2. Check Shipping Costs

The law states that an online retail store must ship an order within the time stated upon purchase or as seen in its ad. In cases where the timeframe isn’t stated or is subject to changes, the product should be delivered within around 30 days of the order’s placement. Shipping costs can also vary depending on your location, the cost, the size, and the date you want your order delivered. Most companies have “free shipping” applied to bulk orders or to orders over a certain amount. This can be a good way to save money but can discourage consumers who want to simply buy one or two items.

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3. Compare Prices of Similar Products

When comparing product prices, your goal is to purchase the best product for the best price. While some consumers will willingly spend their money on discounted and bottom-priced goods, others are more wary of these “too good to be true” deals and discounts. After all, doesn’t a low price also mean low quality? The best way to get more bang for your buck is to be discerning in prices and product quality.

 4. Read Product Reviews

A simple way to find the best product or item is to go through product reviews. Buying guides and product reviews help you learn a great deal about the item you are planning to buy. Some user reviews can give you a comprehensive and realistic expectation of the item. These are based on real customer experiences and can help you decide whether or not you may want to buy the product.

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5. Know Your Rights

Every e-commerce and online store has policies about the process in purchasing their items. They may have strict return policies for every item. Some stores forbid the return of items such as electronics and personalized goods once the package is opened. As a customer, it is your right to know the refund and return policies of the store. You can visit the site’s help pages or contact customer service to learn more about your rights.

 6. Be Wary of Scams and Fraud

Lastly, avoid getting scammed. Privacy and security is a serious concern among users who worry about deceitful fraudsters who may use different methods to access your valuable personal details, such as your usernames and passwords. There are many deceitful websites out there disguising themselves as online shopping stores in order to to get information from you. But how can you tell if a website is fake? By using Google Trusted Stores, a verification system for all online shopping sites, users can determine which shop is trustworthy or not.

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Featured photo credit: Dai KE via images.unsplash.com

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Armela Escalona

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Last Updated on March 29, 2021

Life Insurance: A Secure Way To Protect Your Future.

Life Insurance: A Secure Way To Protect Your Future.

Life is a journey full of ups and downs. No one can actually predict what might happen the next moment; there are times where the happiest moments do not even take a second to turn into the gravest. Planning for your future can help you face such unwelcomed but irrepressible situations with much ease. We all want to make every memorable event of our life more special and to cherish all those moments happily and worry less, you must financially plan your future. But no one has control over life and death. Who would wish to see his family suffer in his absence? Insurance hands over the financial jeopardy of life’s happenings to an insurance company.

Importance of getting a life insurance

No one has control over life and death. Nobody would like to see their family suffering in an absence, and that’s why many people recommend life insurance. A life insurance plan is one of the best ways to secure the future of your family, even against those financial troubles after an untimely demise. These plans are safe and credible, and you could trust them for your family’s better future.

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On the other hand, a life insurance policy is a contract between a company (insurance provider) and policyholder in which the insurance provider ensures to pay a certain amount of money to the nominated beneficiary in case of the policyholder’s death during the term of the agreement. There are different types of insurance plans, and it is important for you to know the benefits of those plans such as a funeral, medical or some life expenses provided they are mentioned in the agreement.

Choosing the right insurance plan

If you’re about to select an insurance plan, you should consider some important factors:

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  • The time at which you start investing in a program and the number of family members you want to get insured. Obviously, a married man with two children has different needs compared to a single one. The number of persons who are dependent on an individual also varies from person to person.
  • The next thing you need to consider is you and your family needs. What are your child’s dream, your retirement plans, for how long would your dependents need financial support, any personal injury, etc. And do not forget those events or situations that will surely demand a huge sum of money.
  • The next thing one must consider is your current income. You should preferably choose a plan which you can afford.

Now you must be having a pretty clear idea of how to choose the best plan for you. Further, you should also compare various plans offered by different companies and numerous sites available online that help will you to compare them.

Differences between life insurance plans

Here’s a short brief of some plan categories you can choose according to your needs:

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  • Term Insurance Plan – You have to pay once, and your nominee gets the paid money under your misfortune demise. It ensures a person for a fixed time. If you survive the policy period, you do not get your premiums back.
  • Whole Life Policy – This plan continues for your lifetime. Under this, the policyholder has to pay regular premiums, until their death.
  • Endowment Policy –  In case the individual dies during the tenure, the beneficiary gets the amount assured. If the person survives the policy tenure, they gets back the premiums paid with other investment returns along with several other benefits.
  • Money Back Policy – In this a portion of the money invested is returned to the investor at regular intervals. If you survive the insurance term you get the entire amount back; else the beneficiary receives the entire sum assured.
  • ULIPs – These are the life insurance plans that offer you future security plus wealth creation options.

Many people do not opt for whole life policy and endowment policy because of the high amount of money you need to pay, while others may prefer to opt for these if they have a high life expectancy. Surely you will find the best one for you.

So what are you waiting for? Plan for your future and live a happier and carefree life today.

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Featured photo credit: aryehsampson.com via aryehsampson.com

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