Why Reports Are So Important to Your Business

In big corporations, you can often feel the tension in the air as the month begins and the reports from the previous month are do. Compiling all the information, presenting, and analyzing it seems to take up so much time and effort for the average project manager or analyst. Well then, why do we do it?

Gathering data and creating reports gives a clear snapshot of the activities which have gone on in the last period of time, whether that be an hour, day, week, month, or year. This information can be used to make decisions in the present and future, track the success of certain actions or changes, or just be able to predict annual trends.

However, putting all the information in one report is very difficult to do, and that’s why most business owners decide to break them down into categories and assign them to people who are most acquainted with the information or might have an insight as to why the numbers present what they do. Small business owners might have to run all of these on their own, however the time spent creating and analyzing these reports are a worthy investment of your time.

What sort of reports should you be running? Here’s a starting point:

  1. Sales: This is a parameter that business owners most often want to see. However, let the final numbers distract you. Look for trends like popular items, ones bought in conjunction with others, decreasing popularity, and opportunities to capitalize on success and tweak things to make underperforming areas better. With online sales becoming an important part of many retailers, see where the purchase was made and the circumstances under which it occurred.
  1. Inventory Status: Regular reporting on inventory is important for maintaining a reliable company. Whether these are products you are selling or materials you need for your production to keep your business running like a well-oiled machine, you’re going to have to have a good handle on your inventory. Over-ordering could mean paying extra for storage or having to later resale at a discount because of difficulty in getting rid of it. On the other hand, ordering not enough stuff at a time means that you could run out, affecting the reliability of your company and possibly resulting in loss of profits. Also, bigger orders often have a discount, so you don’t want to be making a lot of small orders…As you see, there is a lot to think about, but knowing what your levels are at all times keeps you from running into any issues.
  1. CRM: Customer Relationship Management software is used to track many things, but mostly the buyer’s journey. It tells the story of how the customer first came into contact with the company, which marketing campaigns he or she has been exposed to, purchases made, details regarding communications, and more. Creating detailed reports of your CRM will give your marketing and sales staff a lot of information to work from. They will have more information about the consumers, what they are interested in, where they live, and be able to use this to create more effective strategies for remarketing and for capturing similar clients.
  1. Accounting

Unless you are a bookkeeper, chances are that keeping books is the most dreaded part of your business. Making sure that all your incoming and outgoing numbers are properly categorized, recorded, and reported can be a dreary and sleep-inducing job. However, this is where the real health of your business is measured. Unless you create these reports, you won’t have a true understanding of your profits or losses, meaning you could be in the middle of a financial rut and not even know about it!

Though reporting can seem like a full-time job, there is software out there that easily generate reports on Sales, purchases, Inventory status, CRM, Accounting, and much more. Find one that helps you reap from all the benefits of reporting without feeling the full brunt of the work.

Importance of Litigation Lawyers for Your Business

Whether you have your own business or are involved in business processes of another company, conflicts are normal. In case of conflicts, commercial litigations play a key role. To resolve your legal issues, employ services of a local law firm. For example, if you live in Montreal, you can contact a law firm located in Montreal and specialized in real estate and in commercial litigation.

For most companies, the point of conflict roots from financial problems, or those involving property or contract. However, any commercial litigation entails legal matters that can be taken to court. Especially for bigger conflicts, businesses and individuals are advised to employ services of a commercial litigation lawyer.

If you take legal matters in your own hands, it could be risky. It can cost a lot of money to you and your company. The more practical decision would be to consult a specialized lawyer. He could even help you get a settlement contract outside the court of law.

These commercial litigation lawyers assist those who are involved in severe legal matters. Most of them try to resolve the legal dispute out of the court and suggest an agreement that both parties would agree to. All of these happen even before the accused business has to present before the court.

When the problem is taken to court, resolution takes a lot of time. Settlements are more efficient and quicker. Both parties appoint their lawyers to handle the case and figure out what is best for them. If both parties can agree to the terms suggested by the lawyers, they can save themselves from a lot of hassle. Staying out of court also saves a lot of money.

It is wise to rely on authentic and experienced commercial litigation lawyers who are great at handling such issues. They will resolve it while keeping both legal aspects and interest of the business in mind.

Many businesses benefit from involvement of litigation lawyers. Newly incorporated firms enjoy advantages such as benefits of different tax breaks. They often hire professionals to ensure all the processes are completed correctly. Litigation attorneys would be the best option for this job.

Another common area of action for these lawyers is real estate. They handle land acquisitions and company mergers, as both are sensitive areas. You can resolve issues quite easily with the help of an experienced lawyer who has the right skill set and knowledge for this job.

In addition to the aforementioned applications, commercial litigation lawyers usually have experience in representing their individuals for construction disputes, employment disputes, breach of contract, litigation oversight, product liability, general civil litigation, insurance coverage litigation, appeals and appellate review, business interference, business torts including restrictive covenant disputes, unfair competition, trade secret disputes, etc.

All businesses require such services at some point. They might have to contend with some kind of commercial litigation. When that happens, a huge amount of stress is exerted on those who are involved. One of the biggest impacts of this is seen on the company’s financial performance.

To ensure that the company runs smoothly even during legal proceedings, it is important to select legal representation carefully.

It is surprising that many people choose non-specialist legal representation for serious disputes. Even though they are able to handle litigation issues, they are less qualified than specialist commercial litigation solicitors. They have lower success rates and failure can lead to huge loss for your company.

Therefore, it is best to spend some money on a specialized litigation lawyer, as it will help prevent your company from losing money in the future.

What to Look for in Your Car Mechanic

Finding a good, trust-worthy car mechanic is like looking for a needle in a haystack these days. Unless you grew up with a friend who now has his or her own garage, you are left at the mercy of anyone with an auto mechanic license. This person not only diagnoses the problem and fixes it, but also is the one who writes the invoice, meaning that he has full control of not just your vehicle, but your wallet as well. A bad mechanic can either not take the time to properly find the issue and jump to expensive conclusions, or even switch things out that weren’t necessarily broken, just so that he can charge you for it. But enough of the horror stories, we’re all scared as it is.

What this means is that it’s time to find that one in a million mechanic. (And treasure him when you do)!

  1. Ask for Referrals

Your network of friends and acquaintances is a good place to start. They are sure to have their fill of terrible experiences, but maybe someone will let you in on a secret source of great auto service. Just remember, if it’s a secret, it’s a secret, you gave your word! When you meet the mechanic for the first time, remember to mention that you were referred to his garage by a friend. Who knows? You might get even better service as now he has a reputation to uphold while your friend might score a discount in the future. It’s a nice little thank you for the tip!

  1. Check out their Garage

Though garages don’t quite hold the same sanitary or aesthetic standards as a salon, there is a lot that the state of a workshop can say about its master. Is all the equipment stored in an organized fashion? Are there clipboards with paperwork being filled out on the go? Are all those working wearing the proper safety equipment needed for the job? If you feel unconfident judging this on your own, ask a more experienced friend to come along with you.

  1. Look for Certificates

Car have been evolving since they have been invented, with newer and better models coming out every year. So if the car industry is introducing new technology like hybrid electric vehicles, wouldn’t you think that mechanics should be constantly learning new things as well? If you don’t see evident proof of continuing education, ask about it directly. Inquire about new tools of the trade and whether they are being employed here, how often staff is trained, and what’s their source of the most current information regarding their industry. Just like you won’t choose a dental clinic which uses plain plier to yank out teeth, but instead choose a dental clinic that invests a lot of time to learn new dental skills, you shouldn’t pick a mechanic that uses old technology. Though the pain of an old-fashioned dentist might be different than that of an old-fashioned mechanic, both have health and safety concerns that need to be addressed.

  1. Good Communication

Once you think you have found “the one”, it’s time to see whether or not you were right. Testing communications skills is the last step before being able to gloat about how amazing your mechanic is. When you leave your car for a fix, see how well the mechanic communicates throughout the process. Does he call you once the problem is diagnosed with options for you to decide one? Does he call to let you know when it has been resolved and ready for pick up? How close was it to the estimated time he gave you initially? Once you arrive, does he go over the invoice with you, explaining all the costs? If so, you are truly blessed, because it looks like your mechanic is one of the good ones.

Being a good mechanic is about more than just being able to replace the brakes in a car. He should be valued by his current customers, have a well-kept garage, be constantly looking out for the newest and greatest new things, and communicate well with his team and clients. Once you have tracked down a good mechanic in your area, be sure to treat him or her right- it’s worth it!

5 Things you Should be Maintaining Weekly

If you feel overwhelmed by your daily to-do list and can’t imagine where you could fit in “regular maintenance”, you’re not alone. So many people feel like they are falling behind on things that should get done, often sacrificing it for things that have to get done. However, if we make a commitment and get into the habit of making time once a week to maintain regular, everyday things, then that ends up on the “has to” list and will finally get done. These are some basic tasks that you should be tacking onto your weekly “to-do’s”

  1. Your Car

It’s easy to fall into the mindset that if you change your car’s oil when the sticker tell you to, you’re better than fine. The truth is that a car runs on more than fuel and oil, and it will need proper maintenance to service you properly for years to come. Though no one has time to do a full check up on a weekly basis, it’s a good idea to at least check your tires’ pressure weekly, along with an exterior body check. Take a few minutes to give your car a once over, checking for any scratches and dents that could have occurred over the last week, cracks in mirrors or windows, and signs of paint chipping or rust. These are things that should be dealt with, or at least recorded, as soon as possible. Every few weeks, check your fluid levels, the functioning of all your lights, and the battery. To keep your car looking fresh and new, vacuum the inside, wash the outside, and rinse your rubber mats. This way, your car will retain good resale value, as it will look newer and in good shape, no matter the age.

  1. Your Bicycle

More and more people are beginning to use their bicycles to get to work and run errands, especially in urban areas. Some of these people think that because it’s not a car, their bicycle requires no maintenance. And though it definitely has fewer things that can go wrong, a bike still needs to be properly and regularly maintained, especially when it is used often. On a weekly basis, it’s important to check the pressure of your tires. Having fully inflated tires means that you will have an easier time getting around as you’ll be putting in less effort and moving faster. Isn’t that great? Another simple thing you can do, even if you are not mechanically inclined, is to keep all the bicycle’s moving parts clean. Use an old t-shirt or a soft rag to remove any dust or small particles which could be trapped in the chain or gears. Then get a few drops of WD-40 or any cleaner on your rag to remove any rust and resistant dirt which might still be on there. To top it off, spray some rust resistant products to keep the chain from being affected by water, and then lubricate as necessary. The cleaner the bike, the smoother your ride.

  1. Filters Around the House

Some of us don’t know (or pretend not to) that there are several different kinds of filters in a home, all of which need to be replaced at one point or another. Depending on the type, these filters need to be replaced monthly, quarterly, annually, or every few years. However, most of us don’t even check up on, not to mention fail to replace, filters in the kitchen hood, the HVAC, the water tap, or around the drains in our bathrooms. Make a list of filters which need checking, cleaning, or replacing, and make a point of addressing at least one filter a week. It will make for a cleaner and healthier home.

  1. Dishwasher and Laundry Machine

Home appliances all have different roles in our lives and require different maintenance to keep in top shape. However, some require weekly attention in order to do their job properly. Any appliance which is supposed to clean something, like the dishwasher or the laundry machine, should be clean itself. Far too many people make this an annual occurrence, but frequently cleaning out your washing appliances is not just good hygiene, it’s common sense. Once you empty the dishwasher drain from any gunk you may fund, run an empty dishwasher cycle with some baking soda and a cup of vinegar to get all your racks and dishwasher walls nice and clean. With your laundry machine, also apply a baking powder and white vinegar treatment, but before you turn on the hot water cycle, soak and scrub any removable parts and wipe down the exterior with a cloth. After you run the washer, wipe down the inside drum with your cloth and a little vinegar, and voila, you’re done!

  1. Your Skin and Hair

Finally, we can get so caught up maintaining all of your major appliances and assets, that we forget to spend some time on maintaining ourselves. Regardless of whether you are a man or woman, it’s important to set some time away weekly for personal maintenance, which includes taking care of your nails, skin, hair, and body. Schedule a massage if you are feeling tense or are in pain, or benefit from a glycolic peel to exfoliate a thin outer layer of dead skin cells, eliminate impurities and tightens pores. Don’t ignore or forget about scheduling time for your body, because proper maintenance means better health, being more in tune with yourself, and respecting all that your body is and can do.

Take care of it, and it will take care of you. Though it’s not always the case, in general, regular maintenance protects your investment, keeping your possessions and yourself in good shape for a healthier and safer life.

How do you get an estate tax ID number?

Managing an estate can be hard work. This is particularly true if you are the sole manager and are still recovering from the loss. When you find yourself in this situation, it is important to understand how to properly report the estate, especially when filing taxes. Did you know, for example, that you probably need to obtain an estate tax ID number for it? Not many people do, but this standard procedure when dealing with estates. If you are confused or not sure how to apply for estate tax ID number online, IRS-EIN can help.

Estate Tax ID Number Online

One of the main things to keep in mind is that there is help available! IRS-EIN is a service that provides an easy application process for obtaining estate tax ID numbers, also known as EINs. Do not worry about having to fill out long applications by hand, or even online via the IRS’s sometimes-buggy website. Instead, you can do it all on the IRS-EIN website. They provide everything you need to apply for an estate tax ID number online.

Apply for Estate Tax ID Number

Are you ready to begin the application process? Contact IRS-EIN-Tax-ID.com today and take a look at how they can help you quickly and easily obtain your ID number. Once that is complete, you will be able to file your tax return or complete other business while managing the estate. Check out their website today.

Do Not Let These Five Reasons Make you go on a Spending Spree

Sure it is fun to go shopping and leave with bags in hand, but it is no fun getting the bill later, especially if you cannot pay the entire balance off at once and it rolls over to the next month with interest, digging yourself deeper in debt.  For those that have a shopping addiction typically do not need any extra incentive to go on a shopping spree, but there are a few reasons that can sway the average spender.

Stressed Out

When you are feeling down the first thought may be to go shopping to get rid of the blues, but fight temptation and put stress into working out, as the extra shopping bills will drain your account and raise your credit card debt, only to leave you sad again when it comes time to pay.

Peer Pressure

Whether it is shoes, a car, house, no matter what the item is, we want to keep up with our peers, but do not let that influence get you to live beyond your means.  Stay within your budget and you will be able to treat yourself to the finer things in life when you save up.

Put it on a Credit Card

If you want an item and do not have the money for it, an instinct will be to put it on a credit card and worry about it later.  Sure it may work once or twice, but getting used to that mentality will only make things worse down the road and you will continue to live beyond your means, amounting to loads of credit card debt and no savings to show for it.

Running up a balance on your credit cards usually runs into overdraws, late payments, and the late fees and poor credit that goes along with all of that. This will lead you down the road of learning how to remove late payments from credit report agencies databases. Probably an additional hassle you want to avoid if possible.

Trying to Please

We want to make other happy, especially a spouse, friend, or family, and what better to show our love with gifts, but buying love only is short term, and with potentially long term effects on personal debt.  You are not thinking about finances when overspending, and could even ruin a relationship, which according to a survey by GOBankingRates, overspending was the biggest financial deal breaker in a relationship.

Falling for an Unneeded Sale

Black Friday for example is a great tactic by retailers to get people in the store, and it works, with record crowds.  Stay away from sales, as you will be more tempted to buy items because they’re on sale, not because you need them.

16 Must-Follow Facebook Pages for Spread Betting Enthusiasts

numbers

Spread betting was once relegated to the realms of Wall Street bankers, but today the Internet and a changing market has made it accessible for all.

This shift proves that the public are increasingly willing to take bigger risks in the hopes of a bigger pay-off. Spread betting is a form of speculating market movements and predicting the rise or fall of stock to turn a profit. Tax-free with a high-profit margin, everyone is now opening spread-betting accounts. Alas, this form of investment is particularly risky and involves a lot of homework.

The following 16 Facebook pages allow you to follow along with the pulse of financial trading from your social media feed. Stay up-to-date with market predictions and access educational resources to help you read the market and place the most informed spread bets possible.

buy-sell

  1. Market Watch

@marketwatch

Market Watch is run by Dow Jones & Co. and provides current market commentary for savvy investors, while also running a vibrant blog with financial advice.

  1. Fidelity Investments

@fidelityinvestments

Fidelity is a top stock trading company with a thriving financial blog they update near daily on their Facebook page.

  1. Online Trading Academy

@onlinetradingacademy

Online Trading Academy is an educational platform that teaches traders and investors about the market. Follow their Facebook page for breaking news about the latest financial events.

  1. Hedge Accordingly

@hedgeaccordingly

Hedge Accordingly has been posting consistently since 2008, providing current commentary and breaking new financial events as they happen.

  1. Forex Trading

@learnforextrading

Forex Trading is a must-watch Facebook page for those looking to learn the ropes of investment.Perfect for beginners.

  1. StockTrader.com

@stockmarketrecaps

StockTrader.com are a leading source of market analysis and an endless resource for trading education. Follow them for daily visual updates of recent market activity. A must for any committed investor.

  1. InvestorPlace

@investorplace

InvestorPlace is one of the most active Facebook accounts with multiple posts per day sharing the latest stock trading news. This is a great page to follow along as an avid investor.

  1. CMC Markets

@CMCmarkets.uk

CMC Markets, while experts on spread betting, exist to provide you with world-class market analysis and commentary. Follow their Facebook page for videos and blog posts from their global market analysts.

  1. E-Trade Financial

@Etrade

E-Trade is a service assisting you in making informed trading decisions. Like their page for regular updates of educational resources to help you make smarter trading decisions.

10.Scottrade

@scottrade

Scottrade provides handy prompts to analyse your investment activity. Less market watchers and more financial advisors, Scottrade’s Facebook page provides regular advice, which makes it worth watching.

11.IG

@australiaIG

IG is a global leader in financial trading, so you want to be tuned into their announcements. While their Facebook page isn’t overly active, when they do post a gem you want to be ready for it.

12.FXCM US

@FXCM

FXCM is a trading platform whose Facebook page provides regular market analysis and insights to help you plan your future investments.

13.SpreadEx

@spreadex

One of the UK’s longest surviving spread betting companies, SpreadEx is a company to follow. Best followed by serious investors.

14.City Index

@cityindexUK

City Index are specialists in spread betting, and keep their followers updated with predictions of movements in the stock market. They specialise in making sure traders understand the risks involved before undertaking spread betting.

15.ETX Capital

@ETXcapitalgroup

World leaders in spread betting, ETX are certainly an account to follow. Their Facebook page shares blog posts of all the largest financial events to happen globally, and are a good way to keep your finger on the pulse of trading.

16.Spread Betting & CFDs Guide

@financialspreadbetting

Financial Spread Betting is a guide with tips on getting started in spread betting and advice on making the most of your investments. Follow along for market commentary and check their website for educational articles to make the most of what you learn from the above 15 Facebook pages.

On this list are some of the most prominent names known in spread betting. This list should be treated like keys to the kingdom. Click ‘like’, sign-up to their newsletter, browse their blog and follow along their daily posts and in no time at all, you’re going to be a spread betting, stock trading superstar.

What Should My Credit Score Be?

If you are not one to check not only your credit score, but your credit report in general, now is the time to start.  Credit is the most important factor for a lender to decide our worthiness to get loan approval, whether it is for an auto loan or a mortgage purchase or refinance.  It is surprising how many family and friends that I hear do not know where they stand with their credit, or even just assume they have great credit.

A way to start would be to pull a Free Copy of your Credit Report.  You are entitled to a free copy of your credit report once a year from the three major bureaus: Equifax, TransUnion, or Experian.  Although pulling a free copy of your credit report will not give you a credit score, you can purchase one for an additional fee of usually under $10, or if you currently have a credit card, you can find your credit score on the monthly statement, whether you receive paper copies in the mail, or have an online account, you can click to see your score when logged in, as most credit card companies are providing an updated score each month.  When you view a copy of your credit report, double check to make sure everything is accurate, as far as the number of accounts open, addresses, and balances.  Keep in mind that reports are usually a month behind, so if you have charged or made a large payment or even open or closed an account it will not show up for an additional month or two.

Now what about the score?  Credit scores range from 301 the lowest to 850 the highest, with ranges falling in between, as “Poor” to “Excellent”.  “Excellent” scores would be those that are above 750, and thus getting the best possible rates available, and getting less favorable as you go lower in score, while those at the bottom cannot be trusted borrowers and would be declined.  “Good” are those between 700-749, “Fair” 650-699, “Poor” 600-649, and “Bad” anything below 600.  In order to make sure you get the most favorable rates and no trouble getting approval for a loan, you would need to make sure you get at least in the higher end of the “Good” range and above. Your credit score might come in handy if you ever needed liquidity and wanted approval for car title loans for quick cash. Your credit score affects just about every part of your financial life.

If you find your scores are low, you will need to make sure you continue to pay bills on time, balances are paid down to free up more available credit, and you avoid continuous new credit lines.  With patience and discipline, scores will rise.

4 Gas Saving Tips Without Merit

Gas prices are (incredibly) dropping steadily, and there seems to be no end in sight. In fact, at some pumps around the country you can now purchase a gallon of gas for less than two dollars!

Still, if you drive a lot your gasoline costs can definitely still eat a good chunk of your income, and it’s still a good idea to do whatever you can to make sure you get as many miles out of every gallon of gas as possible.

There are however a number of gas saving ‘tips’ that, while they sound good, just don’t give you the kind of savings that they’re purported to give. While everyone’s in a good mood about gasoline, seeing as it’s been relatively cheap lately, we thought we’d take a good look at a few of these myths and have a good laugh. Enjoy.

Myth #1: Filling your tank in the morning when it’s cooler.

While it’s true that liquids expand when they get warm, the fact is that gasoline at service stations is kept in huge underground tanks that, even in the dead of summer, don’t experience the 20 or 30 degree swing in temperatures that we feel above ground. In fact, scientists have said that the actual temperature variance in the gasoline stored in those underground tanks is less than 5 degrees during the day. As far as saving you money because you pump your gasoline in the morning when it’s cool, your savings will be negligible at best.

Myth #2: Avoid pumping gas if a tanker truck is at the station filling the underground tanks.

The theory behind this “tip” is that when a tanker truck is filling the underground gasoline holding tanks, it’s also disturbing sediment that might have settled at the tank’s bottom. While this may be true, the fact is that today’s modern gasoline holding tanks, modern engines and modern engine filters can easily filter out any debris that might be floating around down there. The chance of anything making it into your actual engine is extremely slim.

Myth #3: Don’t wait until your tank is empty but instead fill it up when it’s no less than half empty.

The reason behind this so-called tip is that the more space you have empty in your tank the more your gasoline will evaporate. That is, in fact, true to a point. If your gasoline cap isn’t closed correctly, your gasoline can certainly evaporate. If it is closed correctly however, it doesn’t matter how much gas is actually in there, it will not evaporate out. Point being, make sure your gas cap is always closed correctly.

Myth #4: Using your air-conditioning uses more gasoline.

Many of us aren’t exactly using the air-conditioning in our automobiles right now, but we wanted to touch on this one anyway. Simply put, the amount of difference in how much gasoline your car uses between having your windows open on a sunny day and closing them while you use the air conditioner is negligible at best. If it’s brutally hot outside, let that AC do its job baby!

Hopefully gasoline prices will continue to drop to the point where we don’t need to worry about any tips at all for saving gasoline. Wouldn’t that be nice?!

How to Save on Gas – Uncommon Ways

Browsing through this website has given you a few tips on how to reduce the cost of fuel in your everyday life – from planning your route smartly to changing your tires more often, or even braking more efficiently. In this piece, though, I will describe a few less common ways you can save on gas – I hope you will find them useful. Let’s begin.

1. Lose the wheels

The best way to reduce your car’s fuel consumption is to leave it in the garage. OK, I know, there are many situations in which you need to drive, but several times it’s much more efficient to choose an alternative means of transportation – like, riding a bike.

For a quick trip to the grocery store for a pack of smokes or a six-pack of lager you don’t need to drive – these products fit comfortably into a backpack. Besides, you don’t just save fuel by riding a bike – you also do some exercise.

Studies have shown that riding a bicycle is among the most efficient ways of transportation in urban areas, especially where bike trails are existent.

2. Plan ahead

Never take one trip to solve one issue – try to group them in batches so you can use your time and fuel more efficiently. Don’t take the kid to school and drive home, then drive to the bank, and drive home, and drive to the supermarket, and drive home again just to drive to the school, and take the kid home – this is the most wasteful way you can travel.

Instead, plan your itinerary so you can settle multiple things with one trip, one stop each. Say, if you leave the kid at school at 8, you can do the shopping until 9, when the bank opens, so you can be there at 9:15, solve the problems there and others at hand. Saving a trip through the traffic means more fuel left in your tank, and less money to leave your pockets.

3. Use the force of the Internet, Luke!

There are so many things nowadays that you can order online instead of going out to buy them. Shoes, clothes, games, even groceries can be ordered by just a few clicks, and delivered – often free of charge – to your doorstep.

Instead of driving to the mall to buy a new blouse, or taking your monthly visit to Walmart, try ordering online – you can save, and most of the times not just the gas money.

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