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The Internet began as a male dominated medium Adidas Ultra Boost 3.0 Men's Black For Sale , but those days are long gone and merchants are advised to make sure their websites are female friendly to faciliate the rising surge of busy i-Moms shopping online for their family and friends.


Women now account for 51.7% of Internet usage according to a 2005 Lucid marketing study but that's only the tip of iceberg. When it comes to online purchasing, women are clearly leading the way. According to a Bizrate survey, women accounted for 62% of online purchases in the fourth quarter of 2004!


The above statistic shouldn't be that surprising when we consider that women are busy household managers and make many financial decisions across the United States. According to Small Business Administration, "women currently make up 80 percent of consumer spending. They currently purchase more than half the automobiles that are sold in this country. They consistently purchase more groceries, apparel and durable goods than men and they have become the primary ones to make healthcare decisions in 75 percent of American households."


Other research shows that women are less likely than men to use the Internet for entertainment purposes Men's Adidas Ultra Boost 4.0 Navy Multicolor For Sale , but rather they are looking for information, household tips, low prices, and, especially Men's Adidas Ultra Boost 4.0 Carbon Navy For Sale , ease of use in purchasing online.


Merchant Strategy


The following seven recommendations will make your website a friendly home for busy moms online.


1. Make your website easy to navigate. A specific product should be easily found and only be a few clicks away from anywhere in the website.


2. Provide in-depth product information. The more product comparisons, reports and reviews you can add, the less likely they'll leave your website to round out their research.


3. Provide quality graphics. Seeing and feeling is of course the best way to examine and test a product, but the shortage of time has trumped that luxury. A quality fast loading image is extremely desirable.


4. Offer a maximum selection. Whether in your store or on your website, this always makes sense.


5. Maintain competitive pricing. The Internet facilitates easy price comparisons Men's Adidas Ultra Boost 4.0 Show Your Stripes Pack Black For Sale , if your prices are too high, it won't be a secret. Check the prices of your competitors.


6. Offer a variety of shipping options including gift wrapping. Women buy the great majority of family gifts. Merchants who gift wrap will get a lot of free advertising by word of mouth.


7. Offer excellent customer service. If there's a problem, a return or a question, there's nothing like a friendly voice by telephone.


Personal Story


During last Christmas, I noticed a tremendous scene. At my in-laws about 8 of us were sitting in the family room together. Some of the men were watching sports on television Men's Adidas Ultra Boost 4.0 Multicolor White For Sale , others were chatting, while my wife, mother-in-law and daughter were online at three computer terminals on a long table in the same family room, all shopping for the holidays. They were comparing, giving each other advice Men's Adidas Ultra Boost 4.0 White For Sale , had their credit cards out, and were getting it done. Presents were being picked, wrapped and shipped all over the country. My mother-in-law gets the credit for realizing that she could keep the whole family together by moving the computers into one living area. Everyone was having a great time. Make your online store female friendly and you'll receive a loyal clientele for years to come.




The fear of losing your much loved house to the loan provider in case of default makes unsecured loan a preferred option. These unsecured loans provide timely help to an applicant without any need of pledging his property or any other valuable asset as collateral. Unsecured loan is safer than the secured one as your property is not at risk.


A borrower may ask for the loan for various purposes such as debt consolidation, home renovation, car finance Men's Adidas Ultra Boost 4.0 White Grey For Sale , paying of utility bill and much more.


The majority of loan seekers are able to qualify for unsecured loans. If a loan seeker has a very poor credit rating then it is better to apply for the credit with a cosigner. Cosigner can be anyone with a good credit rating. But the cosigner will have to repay the loan in case an applicant is unable to do so.


Depending on applicant鈥檚 FICO credit rating and ability to repay, a loan provider decides on the amount of credit to be given. An applicant with low credit profile may face little difficulty in getting the loan. But you need not be disappointed, as, even if you have CCJs, arrears Adidas Ultra Boost Womens For Sale , defaults, bad credit history and bankruptcy you can still get unsecured loan.


A borrower can apply for this finance scheme through online mode or telephonic application. He can also visit the office of the lender to submit the application. Once the application is submitted, a lender promptly approves the same after varification. A word of caution though: you must try to get all information regarding the terms and conditions. By and large these loans are approved faster than secured loans as there is no procedural delay in evaluation of the property.


The interest rate charged is higher. This is mainly because the lender puts his finances at risk by giving it to people without any collateral. But this should not discourage you from going in for a loan. These days there are numerous lenders and if a proper research is done you can get the loan at a comparatively lower interest rate.


The amount that a loon seeker can avail ranges from 拢1,000 to 拢25,000 Adidas Ultra Boost Mens For Sale , depending upon the requirements of the applicant. The repayment tenure varies between 5 to 25 yrs with the option of monthly or quarterly repayment. This way the customer is not over burdened.


Anny Jolly - About Author:
Anny Jolly is financial advisor of No Credit Check Unsecured Loans. Contact me for any unsecured loans for bad credit people, no credit check short term loans queries. For more information visit


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