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 spread 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 restructured 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.

The Importance of Shoes

Shoes have become an important part of our everyday lives. Shoes were originally designed to protect our feet from cold weather, sharp objects, and uncomfortable surfaces. The early version of the shoe is thought to be a sandal of some form. As man’s knowledge of tools and the working of leather grew, so did the sophistication and quality of the average shoe. Shoes are shaped by the physical and economic environment of their surroundings. For example, the ancient Egyptians wore flip-flops woven from straw while the Dutch wore shoes carved from wood to protect their feet from damp marshy land they worked in.

With the passing of time shoes have become an integral part of daily lives. Shoes have passed on from being an item of luxury to an item of necessity. Fashion also played a role in the evolution of the shoe. The human psyche craves for an individual and unique identity. The nobility and upper classes saw shoes as an opportunity to fulfill this desire. The shoes got more and more extravagant. Cloth, velvet and tapestries began to be used. This was the birth of the shoe industry as we know it today. Today shoes are classified according to their use. They are casual and dress, work, sport and corrective.

All shoes fall in the casual category due to their characteristics. The differentiating factor is the purpose of the shoe. Casual shoes are designed and intended to convey an attitude of relaxation and informality. Casual shoe design has evolved with the passing time. Today’s casual shoes resemble formal dress shoes in many aspects. The distinguishing factor is the color of the shoe. Casual shoes range from flip-flops to sneakers and boots. The materials used in the manufacture range from leather, canvas and rubber to the modern petrochemical derivatives like plastics and xylenes.

Formal dress shoes are of two varieties – laced and lace less. Traditionally they are made from leather and tended to be expensive. The use of plastics and modern manufacture methods has brought down prices. The upper classes still prefer leather over what they consider cheap plastic. Women’s dress shoes may be a variant of pumps or sandals. The style of clothing decides the category of the shoe in case of women. Unisex shoes are a new product in the shoe market.

Sport shoes are specialized shoes designed and created to enable better performance in a particular sporting activity. Sport or athletic footwear is used in a number of sports like football, basketball, cricket, and track and field events. Climbing shoes are also a specialized type to footwear unsuitable to any other sport and even to walking due to its design. It is usually donned at the base of a climb. Basketball and tennis shoes have rubber soles to enable better grip on their respective courts. Sports like football, soccer, baseball and hockey use shoes with metal spikes on the under sole to give better grip for quick starts and stops. Hiking boots or trail boots are designed to support the ankle to prevent injury and to give good grip on rocky surfaces.

How to Erase Credit Card Debt

In order to erase credit card debt you are taking on a big challenge. You have probably come to this point after the debt on your credit cards has made your budget impossible to handle. The credit card companies send you pre-approved cards without your knowledge offering you a card without any charge for purchases for a certain period of time. It just happens to be around Christmas time or some other holiday and you could use some unexpected extra money, so you charge a few things which lead to many more. Next thing you know, you've reached the maximum on the card and it is time for the percentage to kick in. Now you owe much more than you expected and you're not sure how to get your budget back in line.

You've heard about consolidation of debt to erase your credit card debt but you do not know much about it. The truth is you can do this yourself without paying someone else by reassessing your assets and liabilities and then setting aside a specific amount of money each month to pay towards getting yourself out of credit card debt. This will take determination and some sacrifices but in the long run it will be worth it. You will feel satisfaction in yourself and your efforts when you can look at your checking account and there actually is some money in it after you pay your bills.

Negotiating with your creditors is the hard part. Some credit card companies are willing to work with you to erase credit card debt so that they get most of their money back, but others will not be so cooperative. This is when some people will turn to a third party such as a debt consolidation service. If you choose this course of action, it is important to make sure that the company is reliable. You can do this by contacting the Better Business Bureau who will give you all the information you need to make an intelligent decision regarding which company will best suit your needs. The problem with these debt consolidation companies is that they make statements that they can not always back up. It usually comes down to them trying to sell you their special program which you have to pay for before they'll help you.

The better course of action is for you to take charge of your finances and work towards paying your debt with a positive attitude. This will go a long way in helping you in your negotiations with your creditors. If your creditors feel that you really want to pay off your debts and are not just trying to find some way out of paying them, they will be more willing to try to accommodate you in your attempt to do the right thing. It may take a few years of cutting down your spending habits but it can be done. You should sit down and make a detailed plan as to how you can cut your spending and which credit cards needs to be paid off faster than others.

Another option is to move some of your credit around from a credit card with a high interest rate to one with a lower interest rate. This is called a balance transfer and will help with your monthly budget. Any extra money you receive such as a tax return or an inheritance should be applied towards the paying down of your credit card debts. If you apply yourself to erase your credit card debt, you will find that you can do this without having to pay some third party to assist you.

Spy Gadgets For Fun and Security

As a kid, were you intrigued by the enticing ads in your comic books? You know the ones I mean, gadgets that would enable you to see around corners, or listen to conversations right through walls? We could not resist the appeal, especially since they only cost a dollar or two. Before we knew it, we'd be sealing our hopes, as well as our money in an envelope, eagerly awaiting the day our special spy toys would arrive in our mailbox.

Since those days, we've enjoyed thriller spy movies, and endless crime shows on television, where investigators employ every trick in the book to solve the latest case. We are amazed by the speed and accuracy of intranet lab work, digital enhancements, and computer imaging. As cutting edge as all of this is, there are some techniques that have been around a long, long time.

Did you ever try using invisible ink when you were a child? This was a fun thing to do that rated right up there with magic and card tricks. By mixing up a special ink of milk, lemon juice, or sugar water, your secret message would only be visible when the paper was heated. Invisible ink is still used today, but instead of exposing the message to heat, a prescribed wavelength of ultraviolet light is used.

We all have a yard of spy satellites that circle the globe gathering information from high above the earth. Before satellites, airplanes were used for intelligence missions in World War II, which enabled military leaders the chance to monitor allied and enemy movements. It is astounding to think that even way back in the American Civil War, observation balloons were floated by both sides in the conflict, to observe their own, and enemy troop locations.

Movies are ripe with many measures taken by spies as they alter their appearance in order not to be recognized. We've seen hair being cut and dyed, women dressing as men, and in one instance in 1754, Chevalier d'Eon de Beaumont was sent to St. Louis. Petersburg posing as Mademoiselle Lia de Beaumont. As improbable as it may seem, the ploy worked, and Tsarina Elisabeth was persuaded to forgo a strategy with Britain, and side with Austria and France instead.

In some old films we see bandages being slowly unwrapped on a surgically rearranged face. Or in some flicks, complete latex masks with hair attached, completely change the facial appearance of a character. Today, with the use of facial recognition software, spies may have to forgo a mask or simple change of attire, and revert to plastic surgery once again.

Today, digital technology has resulated in devices that are so small and effective that the modern day spy can literally mostly on gathering information remotely. Without the agent absolutely has to, there is no need for elaborate disguises. Devices can simply be put in place and activated, which means that we can all become spies if need be.

Just about any everyday item can be used as a camera. A light fixture, a calculator, or a smoke detector can have a tiny camera inserted into it, so that photos can be taken without the slightest hint of what's going on. Spy Cams can help protect your business and your home. They can also keep people honest. Just knowing that areas are being monitored makes us all safer.

There are devices that can be installed on your computer to monitor what's being watched and messages that are being sent and received. The SIM card can be removed from a cell phone and inserted into a special device that displays all the deleted text messages. All these items have become completely affordable, easy to obtain, and use.

A really exciting development is the GPS tracker. With a personal tracker you can monitor your children, ensuring that they are safe at all times, and knowing their location if they suddenly need help. Then there is another version that you can use for your vehicles. Car theft is rampant and on the rise. If one of your cars is stolen, this device will greatly aid the police in returning your property to you.

Now that you are all grown up, with property and loved ones to protect, is not it comforting to know that spy gadgets are still available? This time, however, you will not need to consult the back pages of your comic book. Today, with just a few clicks of your mouse, you can access spy shop catalogs online, and order some neat spy gadgets conveniently from your computer.