4 Primary Features Shopify Offers to You

Shopify is gradually becoming the popular platform for designing your e-store because of its simple yet effective features. This allows you to create an online store, manage and sell your products, and track your profit. There are four main features offered by Shopify which take care of your business from the very beginning. It offers a complete e-commerce solution with which you can maintain everything you want.

1. Storefront:

Apart from the attractive designs, your storefront needs many essential features to run successfully in the competitive market. Best Shopify themes designed by experts make your store attractive. Every design can easily be modified to add a unique look to your store. Customize your store to add an essential feature which gives you an immense benefit.

Every e-commerce template is mobile-friendly which allows you to sell your products on any device. This will also improve your brand image and the consumer network. To create a perfect storefront, Shopify offers you the best feature. Offering you a complete blogging platform, it ensures that you publish quality information about your company and keep your consumer engaged with your business ideas.

An access to HTML and CSS helps you customize the store anytime you want. This option proves very helpful when you need to modify different aspects of your store.

2. Shopping cart:

When it comes to the shopping cart, there are major functions you need to consider. Security comes first on the list because visitors have always a doubt to make an online purchase. Every e-store on Shopify is protected by 256-bit SSL certificate, the security level used by banks.

Payment gateways are another essential factor and they have to match the requirement of sellers for offering a smooth transaction. Shopify has come up with nearly 100 payment gateways to give a complete independence on choosing their preferred ones.

If you are handling a global business, languages may be a barrier that reduces your sale. With Shopify, you can avoid this issue by translating your store themes in multiple languages.

Shopify offers you an abandoned cart recovery option. With this, you can send promotional emails to specific customers who left the cart without any purchase. This is an awesome feature and improves your sale by bringing back your existing customers.

3. Store management:

The store management on Shopify is an easy process because you will get a complete detail about your consumers and their preferences. When you have valuable data, arranging products will not be difficult for you.

Every feature is introduced to increase your profit. You will get an option for creating customer accounts that encourage your product sale. Getting information about your consumer network helps you offer better services. You will get a list of consumers depending on their purchase history, location, and more.

4. Marketing and SEO:

No one will overlook the importance of marketing and SEO as long as the online sale is concerned. Shopify ensures that your store gets a higher exposure and traffic with its marketing and SEO strategies. Hire Shopify developers who understand different features better than others and employ the best ones for your business.

Through the Search Engine Optimization (SEO), you can increase your store’s visibility so that consumers will easily find you out. You can concentrate on few important SEO factors such as H1 tag, title, and Meta tags.

It generates sitemap.xml for your store. For having a good rank on the search engine result page, sitemap has a few roles to play. It makes a search engine understand your products, web pages, and blog posts.

If you think from the marketing perspective, you must consider discounts and promo coupons for your business. Plan an offer with giving discounts to your loyal consumers. It improves your brand values.

Without social media, nothing is truly possible. Social media is no longer a place for a social gathering; rather, it is a rising market for companies. Shopify integrates your store with Facebook, Twitter, Linked, and other names to increase the sale of your products. It is the place where you can directly interact with consumers.

Shopify has been getting a bigger attention than others for designing an online store. The amount of features it offers is huge. You can manage your store, check your SEO plan, and promote your marketing strategy. Make your design attractive to the users and organize your products in the way consumers want.

How to Build an Online Store in No Time

Ecommerce has proven to be a blessing for numerous entrepreneurs who have succeeded in selling their products online. Listing the products on marketplaces like Amazon, FlipKart and Snapdeal was the way to reach customers situated at various locations in the early days. Now the trend has switched to having an independent online store for obtaining more profit. So one of the most common questions asked by a number of brick and mortar retailers is,

“How to build an online store?”

Let’s consider the most convenient, affordable and time saving solution for this question. The answer is ‘Ecommerce platforms’ which offers the best ways to create an online store and start selling your products instantly.

Getting your online business started with ecommerce platforms has multiple benefits like:

1. No need of technical knowledge for starting your online store.

2. Customer support to guide you through all the difficulties.

3. Create a brand value for your products.

4. Provide offers and discounts for creating a loyal customer base.

5. SEO features for ranking on the top Google search results.

6. Pre-developed carts for faster and easier checkouts with multiple payment options.

But before you choose an online store builder, you should be aware of the features they provide. Also you should check the features along with your requirements for getting your store kick started.

Here is a set of the top three questions to ask before you build an online store.

1. Is the platform easy to use?

Working with an ecommerce platform that is not easy to understand can be a big drawback. The dashboard provided to you plays a key role in understanding the platform and hence it should offer a smooth learning curve. Creating various product catalogue, uploading product images, managing orders and payments should be an easy to handle task. If you find the platform too difficult to understand, you can go for any other choice available in the market.

2. Do they ensure flexibility?

The entire process right from signing in till the checkout should be smooth and easy for the customers. Flexibility is the key factor which can make a good shopping experience when you build an online store. Picking a platform which offers a customizable solution that can handle the complex flow of the online store is a necessity. An ecommerce platform that provides flexibility at every step is the perfect option which can easily accommodate the diverse requirements of etailers.

3. Is the platform mobile friendly?

Always remember the fact that small screen makes huge profit. Mobile commerce has brought tremendous change in the market and helped customers in easy shopping and entrepreneurs in gaining more profit. If you build an online store which is not mobile friendly then you might lose considerable traffic and conversions resulting in overall loss for your business must know that making profit can be next to impossible. Hence, having the mobile website becomes a necessity.

Think Twice Before Getting Financial Advice From Your Bank

This startling figure comes from a recent review of the financial advice offered from the big four banks by the Australian Securities and Investment Commission (ASIC).

Even more startling: 10% of advice was found to leave investors in an even worse financial position.

Through a “vertically integrated business model”, Commonwealth Bank, National Australia Bank, Westpac, ANZ and AMP offer ‘in house’ financial advice, and collectively, control more than half of Australia’s financial planners.

It’s no surprise ASIC’s review found advisers at these banks favoured financial products that connected to their parent company, with 68% of client’s funds invested in ‘in house’ products as oppose to external products that may have been on the firms list.

Why the banks integrated financial advice model is flawed

It’s hard to believe the banks can keep a straight face and say they can abide by the duty for advisers to act absolutely in the best interests of a client.

Under the integrated financial advice model, there are layers of different fees including adviser fees, platform fees and investment management fees adding up to 2.5-3.5%

The typical breakdown of fees is usually as follows: an adviser charge of 0.8% to 1.1%, a platform fee of between 0.4% and 0.8%, and a managed fund fee of between 0.7% and 2.1%. These fees are not only opaque, but are sufficiently high to limit the ability of the client to quickly earn real rates of return.

Layers of fees placed into the business model used by the banks means there is not necessarily an incentive for the financial advice arm to make a profit, because the profits can be made in the upstream parts of the supply chain through the banks promoting their own products.

This business model, however, is flawed, and cannot survive in a world where people are demanding greater accountability for their investments, increased transparency in relation to fees and increased control over their investments.

It is noteworthy that the truly independent financial advisory firms in Australia that offer separately managed accounts have done everything in their power to avoid using managed funds and keep fee’s competitive.

The banks have refused to admit their integrated approach to advice is fatally flawed. When the Australian Financial Review approached the Financial Services Council (FSC), a peak body that represents the ‘for-profit’ wealth managers, for a defence if the layered fee arrangements, a spokesman said no generalisations could be made.

There are fundamental flaws in the advice model, and it will be interesting to see what the upcoming royal commission into banking will do to change some of the contentious issues surround integrated financial advice.

Many financial commentators are calling for a separation of financial advice attached to banks, with obvious bias and failure to meet the best interests of clients becoming more apparent.

Chris Brycki, CEO of Stockspot, says “investors should receive fair and unbiased financial advice from experts who will act in the best interests of their client. What Australians currently get is product pushing from salespeople who are paid by the banks.”

Brycki is calling for structural reform to fix the problems caused by the dominant market power of the banks to ensure that consumers are protected, advisers are better educated and incentives are aligned.

6 Dangers From A Prolonged Period Of Inflation!

Throughout, history, we have experienced, a variety of economic conditions, and circumstances, including, recession, inflation, and somewhere, in – between! For a few years, we experienced, very – low inflation, largely, caused by a variety of conditions, world – wide, and largely, disrupted – by, the ramifications, and impacts, created and caused, by this horrific pandemic! Currently, we seem to be experiencing, a serious amount of inflation, created, by many factors, including, but, not, limited – to: post – pandemic ramifications; Supply and Demand issues, caused, to a large – degree, by, supply – chain, issues; maintaining, unrealistically – low, prolonged period of near – record – low, interest rates, etc. With, that in mind, this article will attempt to, briefly, examine, consider, review, and discuss, 6 potential dangers, from prolonged periods of inflation, and why, it is important to know, and understand, options and alternatives, to attempt to choose, the best – path – forward!

1. Cost of Living: Some factors, determining, the Cost of Living, include: wages (and wage growth); prices, etc, and how wages, are, or, aren’t able, to keep – up, with the increase in costs, etc! Most realize, we have, in the past – few months, experienced, a huge, jump, in pricing, most – apparent, in the food stores, restaurants, and, nearly, everything, related – to, day – to – day, existence, etc!

2. Federal Reserve: In recent times, the near – historic – low, extended period, of interest rates, has, in addition, to the intended measures (helping businesses, and the economy, in trying – times), has caused a Real Estate, Sellers Market, and, a huge rise, in home prices, in most parts of this country! In addition, it created a surge, in consumer use of credit, because, borrowing, appeared, cheaper! However, most economists forecast, many of these supports, and maintaining, such low rates, will, gradually, be reduced (or minimized), probably, beginning, next year. What impact will that have, and will we see, the historic reaction, which has been, when rates rise, it helps reduce inflation, etc?

3. National economy/ conditions: Largely, because of a world – wide, supply – chain, set of obstacles/ challenged, many industries, have experienced, challenges, in terms of, getting sufficient amounts of needed materials, etc! Go into, nearly, any store, and you will see, more – sparse, shelves, than we have seen, in recent memory! In addition, building supplies, products, food, toys, cars and car parts, etc, are under – stress, because of this!

4. Worldwide economies/ economic conditions: Nearly, every nation, is experiencing, economic issues and challenges! The United Kingdom, because of worldwide, as well as specific national trends/ causes/ conditions, has been largely, impacted! Since, we live, largely, in a global economy, when there is any disruption, in the supply – chain, it affects, everyone!

5. Stock and Bond Markets: Because of several reasons/ factors, the United States Stock Market, has benefited, significantly, and experienced, significant increases, in the price of stocks. In addition to the obvious ones, because, interest rates, have been, so low, many investors, believed, stocks, were, nearly, the only game – in – town! When, if, interest rates, rise, bond rates, will rise, and existing, bond prices, will adjust, and drop!

6. Immediate, intermediate, longer – term ramifications/ impacts: The immediate impact of inflation, is, usually, rising prices, and, wages, which, usually, rise, at a far – lower rate! In the intermediate – period, we begin to see, weakening economic trends, and in the longer – term, depending on how long, it ensues, there are often, several, undesirable ramifications, and impacts!

Don’t take inflation, and its risks, for – granted! The more you know, and understand, the better prepared, you will be!

5 Areas Where Interest Rates Matter!

Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.

1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!

2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?

3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?

4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?

5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?

Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!

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