The Convenience of Online Shopping, It’s Just a Click Away

In recent years, online retailers have seen remarkable growth and expansion. With so many people all over the world now using online retailers as an important way of acquiring goods and services, there appears to be no signs of this industry slowing down. There are a host of reasons why online shopping is so popular, however one of the main reasons is its convenience.

Below are a number of reasons why online shopping is so convenient:

1. What makes online shopping so convenient is that you can shop from the comfort of your home. When you shop at traditional ‘brick and mortar’ stores, one has to shower, put on suitable clothing, get in the car, drive to the store, and find a parking spot. With online shopping you just have to sit at the computer wearing whatever you want, turn the computer on, connect to the internet, and begin to shop. You don’t have to worry about your hair, makeup, and pushing your way through crowds of people. With a click of the mouse and your credit card, you have access to millions of products and services.

2. Online shopping is a time saver. Our lives have become much busier. With work and family, we have hardly anytime for ourselves. Online stores are available 24 hours a day, 7 days a week, and 365 days a year. You can shop anytime of the day and night and not have to worry about traditional store set shopping hours.

3. Driving to a mall or retail store, can be a long and frustrating experience. You have to deal with traffic, fuel expenses, parking, and carry all of your bags of items back to the car. With online shopping you don’t have to worry about transportation issues and high gas costs. As well, the items you purchase will be shipped directly to your home.

4. Shopping malls and retail stores only carry a limited and particular line of products. With online shopping, you have access to millions of items, especially normally hard to find items. You are sure to find exactly what you want which you may not typically find at a “brick and mortar’ store.

5. Online shopping is a definite time saver. Shopping at a mall can often take a whole day. When you shop online, you can get what you want quickly. As well, if you normally shop on the weekends, shopping online allows you to free up your weekend for fun and relaxing activities.

6. Shopping online will allow you to save a lot of money. Their are a variety of ways to save when you are shopping online such as taking advantage of electronic coupons, discounts, free shipping, and comparison shopping tools. You can also read customer reviews about products so you will know if you are getting great value for your money.

When you shop online, anything you want is just a mouse click away. The convenience of shopping online makes shopping easy and fun. Once you have finished shopping, you will wonder why you did not start online shopping sooner.

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Universal Life Insurances Can Be Popular – But Is It For You?

Of all the different types of policies, the universal life insurance seems to be the most favorite among today’s policyholders. It is a much later innovation, conceived to meet a modern need. However, it does not mean that the earlier policies have all become redundant. No, even term life, the original life insurance policy, has quite a big following even today and so have the whole life policies. Nonetheless, people seem to prefer universal life because it combines the low cost protection of the term life with the saving elements of a whole life to provide a perfect solution to modern insurance need.I am sure you are aware that the term life is the original type of insurance policy. Indeed, life insurance may have actually started in the form of burial clubs and artisans’ guilds in the Middle Ages, but the term insurance that we know of today is a much refined version. It is a pure life insurance policy valid a temporary period only. You can buy one for a period of 1/5/10/15/20/25/30 years. Since these policies do not accrue any cash value, you can have a large coverage at a very reasonable rate.However, on the con side, unless you die within the valid period, the term insurance policies offer no return. The whole life policies were next conceived as its antidote. They had saving element incorporated in them. However, such policies were little too expensive and premium payment mode was little too rigid. The universal policies came next. It became instant hit because it offered more flexibility when it comes to cost and coverage.Indeed, if you want to take advantage of the market without loosing the security of the life policy, there can be nothing better than a universal life. Following are some of its salient points:• It is a permanent policy valid for the life of the insured and so whenever the insured dies, his beneficiary is sure to get the benefit.
• These policies are slightly overpriced and amount paid above the cost of insurance is credited to a cash value account.
• Interest too is credited to the account. It may either be determined by the insurer or pegged to financial indexes such as stock, bond etc.
• If you fail to pay the premium, the amount will be debited from this account, thus keeping policy in force in spite of occasional lapses.Today we also have variable universal insurance, which allows the cash value to be directed to a number of separate accounts that operate like a mutual fund. However, since these policies are equity based, they can offer higher return, but if the market goes down, they offer greater risk too. If you are buying the policy solely for insurance purpose, such a policy may not be a very good idea because the death benefit will be paid as long as you have enough cash value to pay the costs of insurance in the policy.However, it is not for me to tell you what type of policy to buy. Receive different categories of life insurance quote on line and then decide. All said and done, I cannot stop myself from adding that, for life insurance purpose, you will do well if you buy only a term life insurance. It is true that a term life does not offer cash value, but its rates are so low that only a financial fool will expect it from the policy. Instead, the financial advisers say that one should buy a low cost term life for insurance purpose and then invest the difference in separate fund.However, not every type of term insurance is cheap. The term life insurance no medical exam policy for example is so expensive that the concept of investing the difference cannot be applicable here; in fact, the price structure of such a policy does not leave any difference to invest. Sometimes they are as expensive as a universal life policy is. Yet, such policies are no less popular because they too have some unique advantages.No medical policies provide instant coverage. You apply today and if you qualify, your family will start being covered by the policy from tomorrow and that too for the full amount. Of course, just as every other case, suicide within first two years is always excluder from its purview; otherwise, every other type of death in included under this policy. You may wonder why this policy is so expensive. Actually, without the medical test, the carriers can never work out the exact cost of insurance and so they charge more. Remember, they are here to do business, not for charity.