As Halloween the beloved festival observed in many countries is fast approaching, the retail market is like steaming hot. Manufacturers and Marketers are on a constant roll to maximize the sales volume with a decent margin. Christmas follows suit and the market enthusiasm is never going to boil down. People will be on a “Shopping Spree” and will definitely not mind spending a few extra bucks on their purchases. So, how the retail market which is going to be the shopping hub react to this “Mega Holiday Shopping?” Holiday #ecommerce sales are important for many online retailers In some cases, small business owners might see a significant portion of total annual sales in just a couple of months. Understanding what to expect in terms of growth or trends may help with planning your holiday season. The holiday shopping season will start long before #Black Friday or #Cyber Monday. In fact, at least 25 percent of holiday shoppers in the United States will purchase a Christmas gift before Halloween. Year after year, online retail sales outpace retail sales overall, and 2015 will be no exception. But regardless of where a product is sold, it will be a good year for retail. 4 Predictions for the 2015 Holiday Shopping Season Early shopping, Ecommerce Sales Growth, Improved #email marketing, and #mobile commerce will be among the most important ecommerce trends during the 2015 Christmas shopping season, which lasts from the end of October through December 24. Two things will make email even better this holiday season First, expect to see more companies automate email messages, so that when shoppers make a holiday purchase they will see follow up messages that are designed to make additional sales and retain those holiday customers all year long. Second, email marketers are getting better at segmentation and personalization, which, in turn, should make an already effective #marketing vehicle even better. Three factors will continue to push growth for mobile ecommerce First, even more sites are responsive and mobile optimized. Having a responsive website is not a competitive advantage in 2015; it is a competitive requirement. Second, as smartphone screens get larger, mobile ecommerce becomes easier. The Samsung Galaxy S6 is 5.65 inches tall and 2.78 inches wide. The iPhone 6 Plus is 6.22 inches tall and 3.06 inches wide with a 5.5 inch HD display. On devices like these, it is simply easier to shop. Third, mobile payment options are improving, again making it easier to shop from a smartphone. Curated from 4 Predictions for 2015 Holiday Shopping Season | Practical Ecommerce How to prep your ecommerce store for holiday shoppers Even though it’s only early October, if you’re online #retail business isn’t already gearing up for the holiday season, you may miss out on revenue. So what should you and your staff be doing now to ensure your ecommerce store is able to handle the extra holiday-related traffic? Don’t make any drastic changes to navigation or layout right now Make certain your site can handle the additional holiday traffic  Ensure your site is up to speed Show that your site is secure Ensure you’re properly stocked – and can re-order inventory quickly if necessary Staff up Make sure people can shop from a variety of devices Optimize images and give your site a festive feel Showcase top-rated items – and offer gift suggestions Alert customers to holiday shipping deadlines Offer live chat Add a gift-wrap option Offer free shipping Provide hassle free exchanges/returns Make checking out easy Provide a self-service option so customers can check on shipping and get answers to FAQs Curated from How to prep your ecommerce store for holiday shoppers | CIO Ultimately the customers must leave...

  Pay Down Credit Card Debt Faster – How to? They call credit card “PLASTIC MONEY” which is absolutely right because once you become a defaulter the card looks like a useless piece of plastic. Why people are so fascinated using credit cards when they very well know there is a severe consequence behind its usage? Only when you are sure about rotating your payments within the billing cycle of one month, go for a credit card payment. Otherwise it is wiser to spend with whatever is available with you. Read this post that clearly indicates the downsides of credit card debt and also points out how to come out of the hassle! Have you been in credit card debt for what seems like an eternity? Do you have so many bills that payday feels more like debtday? You and many other consumers are in the same boat. Total credit card balances in the United States are at $703 billion, a $19 billion increase from the first quarter of this year. Furthermore, total U.S. household debt is $11.85 trillion. This includes personal loans, credit cards, car loans, and educational debt. The following guide reviews multiple different lenders in the space, tries to help readers understand if debt consolidation is the right move, outlines different types of consolidation loans, offers tips on finding the right loan, and mentions alternatives as well.  Best Debt Consolidation Loans | Unsecured and Low Interest Rates Fortunately, there’s light at the end of the debt tunnel. Here are a few adjustments that can help you pay off your debt just a little bit sooner. Go for a Part-Time Job Attacking debt involves one of two actions: spending less or adding more money. If you’ve found that you can can’t cut any more fat from your budget, it’s time to bring in more cash. Income from a part-time job will provide you with the extra cash you need to make larger monthly payments. By throwing money at your debt, you can shave months off your anticipated payoff date. Negotiate for a lower interest rate If you have an excellent payment history, your credit card issuer may agree to lower your interest rate. Just give the card company a call and ask. This one simple move could save you a hundreds of dollars in interest payments and consequently help you clear out your debt earlier. Make more than the minimum payment While it’s great to pay your credit card bills in full and on time each month, it will take a very long time to become debt free if you only pay what is owed. Making a larger payment each month (an additional $10 or $15, for example) is beneficial in the long run because you’ll pay less in total interest. A Well – Researched Guide on  debt consolidation loans by experts at Reviews.com  Many individuals have several loans, sometimes so many they can’t keep up with all the accounts and due dates. That’s why our team set out to create a guide that would help consumers manage their debt and tackle the decisions that come with consolidating: https://www.reviews.com/debt-consolidation-loans/  We also recognized that different credit scores need different resources, so we offer recommendations for those with poor, average, and excellent credit. Focus at one debt at a time Center your attention on paying off one debt at a time. If you try to pay off all of your credit card debt at once, you will just get overwhelmed and give up before you make any real progress. Start by focusing on the debt with the highest interest rate. If you find that you have trouble staying motivated, another method that may work...