Shopping, Gifting & Fun this Season : Happy Holidays

by ExpertBlogger 16. November 2018 17:39

Holiday’s such as nice word to hear, when you hear about holidays then you feel so relaxed and you would like to cheer and enjoy every moment of this, we can meet to friends and family. Share good bad in the year and finally welcome brand new year for new beginning

 

In the holiday seasons along with fun there is another important thing everyone does is shopping , yes tones and tones of shopping which start with thanks giving holidays and ends with I mean it does not really end but kind of stop at new year’s. I personally visit many store during this festival season and this article about to share my experiences. not to mention all the store and online shop they start their holiday preparation well ahead of time right from hiring new extra employees, ordering all the goods and making sure that infrastructure will run and have enough backup plans because they cannot afford to have anything stop for even for hour, the impact that can have on their sales will be huge.

 

Now talking about shopping there are many thinks which surprise me, I mean the amount of discount they offer while this period is insane. Something I think if they can afford to sell any item at that price then what about the people who bought that same item in other time of year at the high price are those are fools. On the other hand some good and articles has almost same price as year around but people just think that this is holiday time and all things are on sale so this is cheap and they tends to buy everything they can. Every time person goes in the store to buy one thing and end up purchasing other items just because it holiday season, also this season is gifting season keeping that in mind all stores designs their product in terms of gifting solutions. And advertise them so hard that they kind of divert one’s mind to go and buy the goods if someone has not thought of buying. 

 

Sometime it just amaze me the enthusiasm of people about shopping in heavy winter , standing in those long lines , for some people it’s fun for some people its thrill and some its experience which they want to enjoy. Every online website is filled with deals and promotion and that what make people eyes to want it. Overall I think alone in this 2 months people must be spending almost double amount they spend in entire year.


So If you are shopping be smart rather than wasting your time from store to store and use technology , look out for your finance and  make your holiday shopping experience better than before.

Is Social Media is a threat to privacy?

by ExpertBlogger 8. September 2018 14:51

Facebook is the largest social media website for bringing people on the same platform and help them share their lives with each other. Facebook is not just a platform but it has turned into a global phenomenon that has turned the world of networking by 360 degrees. The users of Facebook connect with each other socially, share their moments and events of life, their favorite things in life, their pictures etc. The users who subscribe for Facebook have been given privacy rights to secure their profiles and data from other users of Facebook not known to them and also if there is any information they want to share among the selected group of people and not with an entire list of friends. A user can safeguard his/her images to be downloaded or saved by others and also there is a block setting provided to each user in order to screen any other user that has been a trouble to an individual.

Despite all the privacy control that a user has been given by Facebook, the data that is stored at Facebook servers are the biggest threat to a user’s privacy. Facebook stores and harvest this data about people for various marketing searches. According to a legislation passed by US government on 23rd March 2018 all over the world the governments can use the “private online data” of the subscribers of Facebook for prosecution and investigation purposes, hence making data harvesting a legal act which can use by governments.

Using data from unconnected people and mapping the common factors from them for friend’s suggestion, a feature that has been added and it works based on the personal information that a user provides about himself through Facebook, makes the information provided by the user vulnerable for hackers. A person who has a Facebook account can be searched all over the applications like Google, Truecaller etc. Google search can be restricted now upon changing the privacy settings however the linkage of old data at Facebook servers still persists on Google. Facebook constantly asks you to provide your phone number for account retrieval process in case the user forgets his/her password. 

Then come the sales and marketing strategies that are now focused on those sets of people that have Facebook account and their activities through their online accounts may give myriads patterns of consumer behavioral statistics which are gathered from each user’s account without his/her information and used in market research by the businesses. Every click a user does is being captured by Facebook’s intuitive algorithms and are used by various organizations including the government agencies to keep a tap on everyone in the world who has the social network. The pictures, the statuses, and the various activities in the form of check-ins are prone to misuse by strangers and hackers. In the past before Facebook has given full access to the user to protect the account from everyone in the world the material posted by the users online was very much hackable and had led to crimes in the society. 

There are thousands of advertisements from all over the world that are posted on the Facebook and they keep flashing every now and then, if the user clicks on any one of the e-commerce websites and browse through few items listed there, however, don’t buy any, then those products would keep lingering onto your Facebook wall until you buy them. There is no transparency provided by Facebook to the use or misuse of an end user’s data. The ethical use of a person’s data is allowed but not selling of the information that he/she does not wants to share. A user’s personal data and the searches that are made by him/her are sold to various parties for growing their businesses and also to flourish Facebook’s business of creating virtual social networks and making the public believe that in the era of world wide web anything that is not online is something which not technologically savvy. So, people, in order to gain social acceptance in the society and to fall prey to this game of virtual networks, to create online accounts and then get addicted to the ways of it and gradually becoming the reason of the huge empire formed on the use of online data. 

Financial Boom or Sustainable Growth , Where We are Heading..

by ExpertBlogger 7. June 2018 13:13

Economic boom refers to as an increase of business, industry and growth of the sales and goods that would lead to a nation’s overall economic expansion. The global economies contribute in the rise and fall of world trade and economy and hence observes the global economic phenomena of recession and boom. The market fluctuations are bound to occur as they are affected by numerous factors which can’t be predicted by market researchers and analysts with complete accuracy. The various economies of the world are so closely connected that economists could only take calculated risks of prophesying the market volatility.


Many under developed and developing economies show the signs of an economic boom every now and then. The revealing signs of an economic boom in a country are:
a.    Low inflation rate: A booming economy should maintain a lower inflation rate and it is be as low as 2% for developed economies.
b.    Double digit GDP growth: A booming economy should register a GDP growth which should be at least a positive figure and if it’s in double digit with promising signs of converting into developed economy. A GDP is the determining factor of a nation’s growing economy. It is a sum total of consumption of products and government expenditures and exports of the country in that year, all this and minus the imports done by that country in that year.
c.    Rise in employment: In an economy that shows the promising signs of expansion creation of jobs for its citizens is a big factor for showing economic growth.
d.    Increased consumerism: Better employment rate will result in more demand and supply of consumer goods as it will lead to economic stability of the various sections of the society.
e.    The Sensex rise: A booming economy lures investors from around the globe. The market should exhibit bullish growth in the stocks and bearish growth of the bonds.
f.    Bank lending: Banks should contribute in the growth by increasing their capacity to lend to the owners of small businesses hence leading to economic sustainability by progressing the smaller merchants.
g.    The currency circulation: It is the currency of the country and its value that would decide the appreciation of the country’s currency in the world market.
h.    Producer price index: this is the index that determines the cost of major goods producing sectors like agriculture, manufacturing, mining, fisheries, dairy products etc.
i.    Real estate boom: A surge in the real estate businesses is a strong indicator of a booming economic growth as they are the drivers towards making a stronger economy. The increase in the buying of the new homes reflects good employment creation and increased consumer confidence.
j.    Lower interest rates: Banks will levy lower rate of interest on the loans for property and automobile and hence enabling more property deals and creating a surge in the housing and finance industry.
k.    Strengthening the labor: A developed economy will always work towards firming its labor force by skilling them in their crafts and work because they in turn would generate goods and services for the country.
l.    Tax cut: In order to make a robust economy a government should curtail on taxes on consumer goods and services provided. The income tax reduction also boosts the citizens’ morale to save more and spend with confidence making sure that it should not lead to deficit.
m.    Increased government spending: rise in government’s expenditure like construction roads, railways and airports is an indicator of state’s well being programs for making a prosperous society.
n.    Income imbalance: In a booming economy the poor will become rich and gain stability and rise from above the poverty line hence creating a society of economic balance.
o.    FDI: encouraging more foreign investors in the country for the services and goods they get and hence creating more income and jobs in the country.
A sustainable growth in all the above mentioned categories will lead to an economic boom in a country as well as it will help to shape the world economy. The government’s policies play an important role in defining the economic growth of a country. A stable government and a stable geopolitical atmosphere leads to technological as well as advancement in other sectors.

New Year, What's Next!!

by ExpertBlogger 2. January 2018 17:41

New Year is already here and everyone has welcomed New Year with joy and fresh resolution for coming year, it is always amazing to welcome New Year with fresh attitude and new perspective, looking at what we have done wrong in past year and correcting those mistake and doing better in coming days.

We always take a resolution for yourself and at this new year when we entering into 2018 we wish that people should consider and take up things which are generally overlooked we should take resolution to take make this world a better place and think that how we can make our contribution to the society in term of helping those who are in need and giving them level field to compete in this competitive world.

So this New Year talk take up resolution to do some social work or community work. Spend you valuable time with people who do not have anybody around , visit places where humanity still exists and finally to some charity which will help those next generation for better tomorrow , and when you are doing this have you kids with you because that is most important thing because you need to pass these values to next generation and your kids will learn this great thing you are doing and encourage them to care about society and increase their social awareness which is most important thing to have.

We have seen that these days people are connected through digital media but in really they are socially so much apart that it is very difficult to do social interaction as everybody feels like it is the last thing they need to consider and believe me this gap is just going to increase in coming days and we have huge responsibility in our hand to teach our kids that , this is not just you matters , this is us , people around us makes us social and responsible. If we could not do this then we will be living in isolated world in crowded city.

This New Year let look around and try to do thing which we are missing in this digital world, give time to real people rather than phone calls and video call. Feel the real touch and hold the hand who need you hand because at the end you take nothing with you it is your memories and how people see you when you are gone.

And lastly have Great Year ahead!!

Think about your insurance, It's Important!!

by ExpertBlogger 12. August 2017 14:16

Some scholar has said that Health is wealth and all of us like to be healthy, wealthy and wise. However, life is unpredictable and it often throws a curve ball at you and suddenly a normal life style translates into a spree of visits to the healthcare centers, a tedious regime of having medicines and the feeling of anxiety each time the visit is made to the physician. Health hazards are inevitable and in today’s times they lead to some serious outflow of money if a proper health insurance policy is not in place. A good health insurance plan acts as a cover during the difficult times when the raging costs of medical care poses financial crisis towards an individual and his/her family. With stupendous development in the technology, the health care has also advanced to match that, however a good healthcare for all kind of ailments which include the life threatening ones as well isn’t so easily accessible yet. The quality treatments and procedures for complex diseases and are still unaffordable by a major chunk of people.

In order to combat this challenge and to cater healthcare to every individual which is the right of every human being Affordable Care Act popularly known as Obamacare was chalked out and executed in America during Obama administration. It clearly cites the importance of a good and quality treatment given to the citizens irrespective of any caste, creed, and gender or class discrimination. Some of the highlights of the controversial ACA are healthcare with gender discrimination, increased cover for individuals, saving the individuals from the unfair costs incurred by insurance companies, providing the healthcare to kids and to larger states of America etc. The ACA bill has made a strong statement throughout the world for the compelling need of robust and effective health policies to be implemented and it’s more of a State’s affair than an individual’s. In developing countries like India health insurance companies have penetrated the market , however they still have a long way to go , as a major chunk of society that includes the people living at or below the poverty line still are unaware of the importance of health insurance and they do not bother to seek one too. The people that belong to middle class and upper middle class sections have become aware and also they buy the medical cover too. In the nineties era buying a health insurance was more of a rich’s affair and a luxury, however with the advent of unhealthy lifestyle and globalization this has become more of a compulsion now. The ease of cashless benefits, appropriate and timely treatment and the reimbursement of the charges incurred irrespective of one’s financial condition. Uninsured people have higher probability of dying due to poor health results than the people who are insured and have medical covers. The uncertainty of situations have led the employers to give a medical cover to their employees in the circumstances where they or any of their family member gets into a medical problem. The follow up medical provisions also become accessible without any hassle. Health hazards are irrespective of age and apart from casualties there are chronic diseases especially noticed in youngsters these days due to pollution, stress, unbalanced diet and sedentary lifestyle.

Health covers are carefully designed to cater to every age group and patients with exceptional needs as well. Getting a policy done at an early has its benefits in form of low premium costs, less waiting period, better coverage and quick renewal. The government of states have started promoting health covers in order to provide good health care to the citizens under unexpected conditions. To combat medical emergencies and to avail better care at the affordable costs, should be the aim of every health plan worldwide. The private and government companies both have a large market in the health insurance sector. The providers and the companies have direct tie up and this has yielded a convenient channel for the insurers to get everything without any manual intervention.

Health insurance is the major breakthrough in the healthcare industry now-a-days due to uncalled for situations and newer medical conditions. Every individual should rightfully be insured and he/she should do this at an early age and for everyone in the family.