Demonetisation: Impact on E-Commerce Platforms

India is still recovering from the unexpected demonetization of rs 500 and rs 1000 notes. A huge change is encountered in the routine of every business and the e-commerce industry has not been spared even. One of the most significant economic change in the lifetime of Indians experiencing vast tremors. While some people were hailing it as a masterstroke move against against black money, terrorism, and currency counterfeiting. Whereas, certain section of people were creating hue and cry against it. This change is placing a tremendous impact on trade and consumer demand. A lot of discussions and discussions are already going on these topics, so I will spare you on that!

The e-commerce platforms are reeling under pressure due to undelivered orders because a lot of customers have opted for COD, but are still offering the old currency notes only. Such drastic economic change has led to an increase in the use of cashless services but the e-commerce platforms are finding it very difficult to complete orders that have been marked for cash on delivery.

On one hand, there have been a huge increase in digital payments but on the other hand the percentage of undelivered online purchases too have gone up. All of this has claimed in huge returns as the customers who place online orders and choose for COD mode for payments, urge the delivery person to accept the old currency notes or take back the order.

Due to demonitisation, the e-commerce platforms have stopped COD mode of payment which is credited for close to 60% of online shopping in the country. COD is one of the popular payment options for a large section of India consumers who shops online. This is due to the sheer convenience it offers to its customers who wish to receive their orders first and pay later.

In order to compensate, these platforms have added credit card on delivery as one of the payment options to put customers at some ease who are running out of cash. More discounts are offered by renovated websites on online payments as well as zero cost EMI schemes.

The spokesperson of amazon has said that the company has incurred ten times growth due to credit card on delivery mode. However, this is not helping the sellers much who have complained that these efforts are not compensating for the loss incurred over COD mode.

No doubt, there will be a lot of inconvenience in the initial period but in the long run, everyone is hopeful of a better growth, reduction in cash on delivery services, along with a quick return investment.

Best Tips on Group Health Insurance

Perhaps many of you are wondering what a group health insurance policy really means. Well, the answer is not complicated at all! It is just an insurance coverage made by an employer or other authority that is meant to cover all individuals in a particular group!

A group health insurance gives an employer the advantage of not paying the whole premium for the insurance policy in order to cover his employees. In the past, an employer was expected to pay for all the benefits of the employees, but fortunately, now the times have changed and an employer only has to donate just a part of the health insurance premium of the employees.

The general attitude of the insurance companies is to offer lower rates for a group health insurance than on an individual one. This is the main reason why people who are self employed to be aiming for a small business health insurance too. These persons can not be blamed, even if they incorporated to give the insurance company the impression of a larger corporation, as they are only trying to get a good deal on their small business health insurance rates. The result is that each and every person struggles to get an insurance plan, as a small business health insurance is very cheap when compared to individual health insurance.

It is a commonly known fact that group health insurance plans are very much appreciated by all the employees. This is the main reason why most employees value it very much too. A group health insurance policy or a small business health insurance has contributed to the success of many organizations. They have that enabled them to continue employ new people and, at the same time, keep the best people in their business!

No matter what group health insurance plans, service suppliers or a health maintenance plans that a company may offer, there are so many places where you can get informed about these things. You must carefully analyze the group health insurance quotes that a number of insurance companies offer, before deciding if there is something to suit your expectations.

In order to make the best decision regarding a group health insurance, a recruiter must study all the websites and brochures of the health insurance companies that the employee has selected and intends to engage. After comparing their service plans, costs and methods of payment, you must also keep an eye on the starting and ending dates of the insurance policies. The interesting, but disturbing thing is that some health insurance companies only cover you from your third payment, therefore you must be very well informed before making such an important decision.

Last, but not least, there is one more thing you'll have to consider before choosing a group health insurance plan or a small business health insurance: there should be any services or illnesses that are excluded from the policy, it is best to know it from the start. This is the main reason why it is for the best interest of any employee to keep away from any group health insurance policy that only covers a small number of diseases.

Prosperity Investing – Tips For Your Financial Prosperity

Do You Know How to Fund Your Investments?

Welcome readers, and thank you for reading this post, "Private Money Goldmine". I realize that there are thousands of investment manuals and self-help books on the market, and that you could easily create another author's materials, but after reading my little known approach to increasing the return on your retirement investment money, you'll be certain you've made the right choice. What you'll learn in this article is everything that your bank, your investment counselor, your accountant and your attorney either do not want you to know, or do not even know themselves!

You'll find the secrets to investment strategies that only the wealthiest of investors have known for years. Be prepared to have your eyes opened to a world of investment opportunities that you have only dreamed of, but that can be a reality, right here, right now.

How long have you been waiting to grow your retirement savings into an amount that you're confident will keep you in the lifestyle to which you've become accredited for the rest of your natural life?

Or better still, an amount that you'll be happy leaving to your children or grand children to give them the start in life that you may not have had? If you're counting on Social Security to accomplish either of those goals, you're in for a huge disappointment. No, while Social Security may give you enough money to survive at the poverty level upon your retirement (if it's even still in existence when you get there), it will not begin to allow you the financial freedom to enjoy the lifestyle that you deserve .

Yes, your retirement "nest egg" is up to you to accumulate, and depending upon your age, some of us have more or less time than others to grow that retirement fund. That's exactly why I'm writing thisarticle, to educate everyone who's willing to listen, to the fact that your money will never grow fast enough to create a legacy for your family if it's invested in a vehicle that's providing an annual return of 1% – 5%!

No, you need a double-digit return at a minimum, coming to you by way of "passive income", if you want to create multi-generational wealth. But it does not end there. Actually, personal success is just the beginning of what I believe is my path of purpose in life. It's really a blessing to find out what it is that you are passionate about in life, and after searching for many years, I personally have come to the realization that my passion is helping other people accomplish their goals.

I have helped many people become first-time homeowners, helped others attract passive income into their lives, and now I'm ready to be the ultimate philanthropist. I'm ready to give in a way that I never thought I could give before, as well as show others that they can do the same thing.

Everyone is so fascinated by real estate, from the "flip this house" shows on television to the "no money down" investing programs sold on infomercials at 2:00 AM. Those real estate investors are not geniuses. They are average people, just like you and me.

It's just that they took hold of the information that they gathered and actually acted on that information. That's exactly what I'd like to encourage you to do.

Have you ever heard anyone say that he or she is a self-made millionaire? Is it possible to be a self-made millionaire? If you had asked me this question five years ago I may have believed that a person really can create wealth without the help of anyone.

"Self-made" clearly means to me that no one else had anything to do with someone's success. I only have one question to the self-made millionaires in this world. "What about God"? Where does God come into play in our narcissistic ways? Success does not come from a human being alone.

We should never feel that we do not need to acknowledge a higher power. From where I stand in my life at this time, the higher power is Jesus Christ. Without Him, I could not begin to do the things that I envision doing. If you recognize that a higher power is responsible for everything from making the earth to the heavens, you should give glory to the only Being that is really worthy the of the glory.

Everyone has a piece to a dream – something that they're passionate about more than anything else. Nine times out of 10 it's not the job that they're working at right now. Real estate investing is one vehicle that allows you to create massive wealth for your family and to leave a legacy.

Hopefully once you learn my techniques you will become more of a giver and you'll thank God for your blessings and you will believe that there are no such things as self-made millionaires. God-made millionaires are people like you and I who understand that alone, we are nothing.

This is my declaration to my Lord and Savior Jesus Christ. I acknowledge that all of my gifts and talents come from you. Give me the wisdom to teach your people to be givers and conduits of love. You are fortunate to have the awareness of the ministry that was instilled inside of you at birth. That ministry my friends, is a finance Ministry.

Most people do not have a clue about the concept of "passive income". The only thing they know is earned income, and as we all know, earned income is income that is totally dependent upon your personal efforts. I'm sure you know the routine quite well.

You get up every single morning at five o'clock to get the kids off to school, sit in traffic for 30 minutes on your way to a JOB (Just Over Broke) that you do not even like, only to walk into a world where you will be chained to a desk for the next 8 to 10 hours. At this JOB you will, by virtue of your job description, spend every day fulfilling someone else's dream.

You see, the owner of the company has a dream, and understands passive income. You, my friends, are his passive income. If your boss decides to take a vacation this week, his or her company will still operate and his income will not be negatively affected by his absence. Once you understand the concept of passive income, hopefully you will do whatever it takes to discover how to make it work in your life. Getting rich is not hard at all. It just takes "passive income".

Passive income applies to any business and any person. But what I'm going to do today is to show you how to use self directed IRAs (your private money) to create that tax free, passive income and capitalize on what I call the "Private Money Goldmine". I have recently discovered the power of investing in real estate with private money, and because of that knowledge I am creating a real estate empire for my family.

Real estate is the easiest way that I know to create passive income in your life and it does not require a Harvard education. So if you follow my steps and start thinking a little bit differently. Are you familiar with the power of a self directed IRA? It can truly transform your life.

This article is the blueprint for the average person to make fabulous amounts of money, tax free for life. I pray that this article blesses you the same way that is blessed me and that it allows you to triple your rate of return on your future investments.

As Always, Keep God 1st, Invest in People

What Does the Word Website Designer Stand For?

Today anyone seems to call themselves web designer just because the learned to create a web site.

Is it traditional graphic design involved or is it just experts on programs like Flash, Dreamweaver, etc. who call themselves designers?

One guy looking for work told me he had a web design education and when I looked at his work it was like 5 pages crap made in FrontPage!

For me as an art director and graphic designer it all seems a bit strange. I have spent years in art- and advertising classes, over 30 years in the advertising business in Sweden and Spain and I’m still not sure I can use that title. Even if I have designed hundreds of websites last 10 years.

So be aware when you looking for help, with internet anyone seems to be whatever they like and advertise their services, trust them or not. You will never know for sure.

Today I saw the following ad in a local magazine: “We design web sites for 130EUR”. That guy must be something of a superman. Or is the education these days so fantastic that you can learn it all in a few years?

The “Graphic design” education is just a small part in building your web site.

The natural way was (back in the 80:s in Stockholm) that your advertising agency produced your website and designed it so it fit your company’s profile. A few years later a lot of digital production companies started, but still with people educated in the advertising business.

Short after that anyone with money could buy a computer, copy machines and some colour printers and start a Copy shop without any education in advertising. Unfortunately they after a while also offered help in layout and design.

That’s where we are today. Anyone with a computer can offer you anything online.

It’s up to you to find out who they are.