In last one decade, many E-commerce websites have mushroomed on the internet- front. The main reason being, the busy lifestyles of people where they are not left with time to devote for shopping or going to malls for some specific product. Whatever time they get, they want to spend it with family and in leisure activities. That’s why, the demand of e-commerce websites has increased a lot.As E-commerce website market grew by leaps and bounds, so did those website designing companies which saw great upsurge in their business. They had expertise in making dynamic and user- friendly websites. In today’s time, traditional way of doing business has become obsolete. Customers do not want to walk around from shop to shop and neither had they time and energy to go through every product in the market with all the details at one place. E-commerce websites has solved this problem with a great deal of convenience. Now customers can see all the products and get every detail related to them at the click of a button. But on the same hand, it is very important for these E-commerce companies to create a user- friendly and easy website which can cater to the needs of an E-commerce websites.Types of WebsitesThough there are different forms of websites but in short, one is Content Management System or CMS and another one is Customized Web Designing.CMS (Content Management System) Ecommerce WebsitesContent Management Systems like Joomla, WordPress, Magento have gained huge popularity as it comes with the ready-to-install template with website builder administrator panel. Using any of these CMS, ecommerce website can be developed quickly and so these are available at cheaper prices. But such websites lack customisation and need upgradation on the new version released by developers. Also, these CMS are developed with many features, which may not be used by client/website owner, which make website heavy and slow to load. So, it is cheap but not very durable and these kinds of websites are heavy. Apart from these all, adding any further feature can be problematic for these kinds of templates, if plugin or component is not available online. CMS website designers may not provide customised components.Customised Ecommerce WebsiteCompanies which are professionally involved in website designing, know that a web page for an E-commerce website should be light and fluid in nature. Also, it must be secured and free from all kind of internet threats like hacking etc. A customised website using the programming language like PHP or.Net are considered very durable and high performing. Reason being, such websites are developed keeping requirement of the client in mind and only required files and folders are created. Administrator panel is also made easy to use. Due to having less file and database tables, such website load quickly and don’t require upgradation every year. A good & experienced custom ecommerce website designing company can make SEO friendly store for companies, which will help them gain huge traffic and sale.A dedicated SEO teamIn today’s competitive market scenario, when a person makes an online search on any search engine, he is most attracted to those few companies, which show- up on top-ten or top – twenty search results. It happens due to the fact that their SEO value is better than rest of the other service or business providers. The web- designing company which is hired for the E-commerce website should take care of Search Engine Optimization too. It should be the web-designing company’s responsibility to promote the website to come in for best search results. A proper marketing plan is chalked out under which SEO boosting is done. Keywords regarding the business and the targeted website are strategically used in the promotion which helps to popularize the website.Work DelegationIt is a very practical situation for most of the E-commerce companies that they focus on their core job of meeting deadlines of their customers. But that’s not all. When a company invests so much money on its website and promotional activities then it also wants the convenience from experts of SEO services that they take care of it. The company itself cannot invest extra time out of their pocket in maintaining it. For this, the web designing company should have the ability to maintain both maintenance of the site and also promotions.

In order to make the most of your corporate travel budget, it is critical to plan for leveraging your program for all it is worth. Telling travelers to select the lowest logical airfare is just not enough. Here are the elements that should be considered when planning or evaluating your travel program.1. Travel policyA well written and disseminated travel policy is the foundation of any good travel program, and I am consistently amazed that so many corporations have such an outdated and poorly conceived travel policy, if they have one at all. It is not difficult to find a well written policy. One can be found online quite easily. All that remains is that it is edited to reflect corporate culture, and disseminated within the company so that everyone understands and agrees to follow it. For this reason, it is a good idea to have everyone sign a copy of the travel policy to ensure that it is read, understood and owned by all company staff. I suggest that everyone in the company signs a copy of the travel policy, whether they travel or not. They may change positions in the company later and be required to travel. A travel policy need not be long or complex. Some of the best travel policies I have ever seen were only a few pages long.2. Centralized travel internally and externallyMany companies do not centralize their travel program, and they pay a price in terms of a loss of expense reduction opportunities and internal efficiencies. Many companies that do not centralize travel have a fear of requiring travelers to do something they may not want to do, along with the idea that centralizing travel will require hiring a Travel Manager. Both of these may be legitimate concerns but they do not have to be in most cases. By requiring travelers to book centrally, you are not necessarily causing them to lose flexibility. You can centralize travel while still allowing travelers to book on their own, either with a travel agency of your choice, or online through a provider that you have partnered with and have confidence in. By assigning someone with the responsibility of overseeing travel, you are getting a single point of contact both internally and externally for travel issues. If your company spends less than $1 million in air travel, you probably do not need a full time travel manager. In these cases, travel oversight can be given to the finance department, human resources, or even an executive level assistant. Here is a look at the advantages to be gained by centralizing travel.When you centralize travel with a single agency, you gain in a number of important ways. You will have a single point of contact for problems while travelers are on the road, and you will have one entity to go to for all your travel needs. This eliminates the problem of consolidating a travel report from among several sources. By bringing travel together, you will gain significantly from economies of scale. If you can measure total travel among various divisions or locations, you can get more for your money from travel suppliers. This will allow you to gain more from airline soft dollar programs, which means more free tickets and upgrades, get a higher percentage discount from our preferred airline, and get better negotiated rates from your hotel and car contracts. Your fulfillment costs will decrease as well, as your travel agency will often discount their fees for a higher overall volume of travel.3. Mix of online booking and personal serviceThis is an addendum to the previous element, which calls for centralizing travel with one travel agency. This is important, but in doing so, you need not require travelers to use an online booking system, and you need not require travelers to call the agency directly. By offering travelers the option of doing either, you are accomplishing several goals. You will reduce your fulfillment costs, as online booking is cheaper in terms of a service fee. By giving travelers the option, you are giving them a sense of control, thereby increasing morale and standing a better chance of a high adoption rate. Thirdly, you leave open a best practice of using your online booking engine for less complex itineraries, and allowing senior executives, frequent travelers, and complex itineraries to be booked directly with a travel agent that can offer a higher level of service and a better overall travel experience where it is most warranted.4. Look under every stoneWhile the bulk of most travel programs revolve around the air budget, there are several other areas one can investigate to find savings opportunities. There are a couple of more obvious areas to look, such as negotiated hotel rates at your favorite hotels, or car rental discounts with a favored supplier. Often your travel agency will already have discounted rates through consortia affiliations and agency car contracts. There are also some less common areas that should be investigated. For example, if ground transportation is a concern, most suppliers will offer discounted rates and a direct billing option. Direct billing arrangements with hotels and car rental agencies are also a great way to increase efficiencies and make the job of the accounting department easier.5. Leverage hard dollar and soft dollar contractsMost major airlines today offer hard dollar discounts as well as soft dollar incentives in exchange for company loyalty to their product. If your travel program is over $1 million in air spend, you can secure a discount off of the lowest fares of your carrier of choice in return for a market share commitment. For your secondary carriers, or if your volume is less than the minimum required by the airline, you can enter in to soft dollar programs for free tickets and free upgrades, as well as traveler status enhancements or airport club passes. These programs require little in the way of volume, but they are not well publicized so you may need to hunt for them or ask Baker Travel or your current agency to point you in the right direction.6. Do not neglect hotel volumeHotel volume is sometimes overlooked but it should not be. Negotiated rates can be had through your travel agency or directly with the hotel properties of your choice. Individual hotels near corporate locations will negotiate discounted rates for you in exchange for a minimum room/night commitment. By utilizing a travel agency, you are likely to receive discounts of 5% to 50% on thousands of hotels worldwide.7. Have at least one car rental contractRental car contracts are easy to enter into and require little in the way of commitment from the corporation. Choose a partner that has airport locations and a reputation for excellent customer service. You can save 5-10% very easily and can also negotiate frequent renter membership for all your employees. This will make them more efficient and enhance morale. You can also enter in to direct billing agreements at the same time that can make the jobs of your travelers and accounting staff much less stressful.8. Understand group and meeting contractsAirlines and hotels will discount your fares and rates when you have groups traveling together or meeting at a single destination from multiple points of origin. These meeting contracts can bring you airfare discounts of 2-10%, and if you have enough travelers on a single airline, you may be able to negotiate for free tickets to be awarded at contract completion. The minimum requirement is usually 10 travelers going to the same place at the same time. Some airlines have higher minimums so be sure to ask before a contract is generated. Hotels will discount their rates in a similar way with a minimum of 10 room nights. These discounts can range from 10% to a much higher discount depending upon occupancy rate and seasonal variances.9. Use reporting to consistently improve metricsWell managed travel programs require constant monitoring and financial controls to be properly leveraged. Insist on timely and customized reports that can be designed to bring you the information you need most. By receiving regular reporting on traveler behavior and provider contract performance, you will be in a better position to fulfill contract obligations, achieve cost reduction objectives and see where opportunities for future savings may lie.10. Use all avenues to enhance traveler comfort and efficiencyLastly, any well managed travel program will take in to account the comfort and productivity of their travelers. When travelers are comfortable, they can focus on their main priorities that help propel your business forward. If travelers are happy, they perform at a higher level. Ask if your travel agency can upgrade traveler status on a preferred airline. Look in to purchasing blocks of airport club passes so they can be used strategically during long and complex itineraries. There are many ways to reward travelers for the difficult and often grueling chore of travel. These kinds of rewards generate feelings of loyalty and increased productivity and efficiency.If you would like to learn more about how your company can better leverage their travel program to benefit your bottom line and the satisfaction of your executive level, feel free to contact me. I am delighted to point you in the right direction.

So, you’ve found yourself in debts that you cannot control, and aren’t sure what to do. For that matter, you’re not sure if you really want to trust your finances to one of the debt management companies you’ve seen advertised or heard friends and co workers talking about. There are other possibilities, of course. Play the lottery, wait for some unremembered relative to grant an undeserved bounty, consider the value of the baseball cards cluttering the basement, or, simply, dig your head in the sand and avoid all worries about the credit card bills piling on the floor. In all likelihood, they’ll have about the same chance of success in terms of debt management. Easy enough to imagine that things will work themselves out without drastic changes in your household spending or overall behavioral alterations as regards buying habits, but – save some miraculous gift of fortune – the creditors shall inevitably get theirs no matter the attempts toward purposeful ignorance. This is where debt management comes in. When dealing with a competent and trustworthy firm, after all, you don’t have to worry about surrendering your problems to an external force. Debt management counselors will work with the borrowers hand in hand to aid them in their struggles and completely explain every step along the way.At the same point, however, there are steps that can be taken before you first begin investigating debt management authorities. The businesses you eventually work with should even expect you to start looking through your financial obligations and making some decisions by yourself. After all, throughout the debt management process, there are certain rules of thumb that every borrower should thoroughly understand and guidelines that each household, regardless of how much money they may make or how tragic their financial status may be, should acknowledge. Think of the overall theory of debt management as a simplified flow chart. Eventual debt elimination should be the focus, of course. Aside from those secured loans such as home mortgages (which could reasonably be considered an investment) and the one or two credit cards every consumer should have (with low balances, paid monthly, to heighten credit ratings and FICO numbers), the goal of debt management is, after all, an end to debt.To that end, until you’ve recorded all of the information from every creditor, you really don’t know just what your debt situation is. Take the time to write down every important aspect of your credit card accounts (alongside whichever additional debts you may have accumulated) and put all of the obligations in order from the lowest interest rate to the highest. In most cases, you will want to pay off the highest interest rates first, of course, but there are other theories as to debt elimination – some debt specialists would advise taking care of the smallest balances before all else so as to provide positive reinforcement and propel the borrowers forward through their debt relief mission. Through all of this, of course, you have to still make sure that the minimum payments for each account will be satisfied every month on time. Ideally, your checks should even be sent early enough ahead so as to prevent the lenders from delaying processing of the payments and assessing further penalties or lowering your credit reports status. Also, much as you should remember to concentrate upon the debt with the highest interest rate (and, after that’s done, work to pay off the next highest and continue in that pattern), you should not neglect the everyday costs of living nor avoid saving for unexpected expenses.When thinking about debt management, there are more things to consider than just paying down the outstanding credit card balances. No matter what, especially in the current economy, you’ll need to also consider those day to day expenses like gas and electricity and all of the other monthly bills. While it’s true that, compared to the immediate action that results from missing a revolving debt payment, utility companies will be far more relaxed in their collection attempts. Since the majority of the utilities have to worry about some local government supervision, which means political repercussions should borrowers be left to freeze to death, they are remarkably malleable when forgiving a month or two of missed payments (without reporting such to the credit bureaus). Still, you have to remember, there will come a point where the utility company will have no choice but to halt services, and, above and beyond the effects upon your credit rating, that can come as a drastic, perhaps life threatening hazard to be avoided at all costs. You can’t work on your books if there aren’t any lights. Also, you need remember, once any utility service has been terminated, there will be additional charges to have that service to be restored. These are the sorts of what may seem like trifling costs that unwary or lazy borrowers let regularly accrue, and there couldn’t be anything sillier than paying double the monthly bill (let’s face it, you’re going to want your water service restored) due to a week’s avoidance of responsibility. Like most every thing involving debt management, you need to speak regularly with the representatives of the people that you send your money to as to avoid any future complications should problems arise. These utility companies are uniquely open to payment schedules that minimize borrower obligations and let their less fortunate clients lapse their burdens for length periods. For those especially poor off candidates, the government may even step in to subsidize some utility payments. This might sound humiliating to a degree, but debt management has its own momentum and, once again, there are certainly more grave consequences.Above all else, desperate borrowers must remember to keep sight of the real dangers when attempting debt management. However unfortunate repossessions or lawsuits may be, the true threat wouldn’t just be the attacks upon bank accounts or garnished wages or the loss of property. Any debt issued by the courts or the state or federal government should have a clear priority. While property taxes unmet inevitably necessitate a lien upon the property in question and themselves have the risk of a different sort of foreclosure, past due income taxes, more than anything else, must be dealt with else the scofflaw consumer face actual time in jail. The same could be said for child support or alimony or any debt that the courts deem so important that a failure to satisfy the obligations would threaten imprisonment. Student loans, on the other hand, though every former college student must face an ethical dilemma, won’t ever land defaulted applicants behind bars. However, virtually all loans originated to help students through higher education have been protected through the United States treasury and, as such, maintain special powers such as the garnishment of income without the trouble of an actual trial. Since student loans have such enviably low interest rates and decade spanning payment schedules, though, there’s virtually no reason that borrowers need worry about garnishment as long as they maintain a constant communication with the representatives of the lenders.Come what may, tax liens and any debts actionable by the courts and their officers are of the utmost importance for every American citizen. Secondarily, you should take extra care with any property debt – particularly considering the current environment regarding real estate loans. Much of the negative publicity that has surrounded mortgage loan lenders should be laughed away as political positioning, but, through countless mortgages and equity loans handed down to home owners that were clearly not able to appreciate the challenges of the obligations they had signed on to accept, the home lending industry has taken quite a blow. As a result, refinancing is more difficult than ever for borrowers already stricken with debt loads they can’t quite manage, and home equity can not be over estimated as the signal emblem of financial security. After all, do not just worry about the investment potential of the home (recent trends aside, there’s no reason to assume that appreciation should not continue), this is you and your family’s shelter! Foreclosure proceedings can be legally launched once you are only three months behind with your payments. To be sure, given the aforementioned glut of foreclosures currently afflicting Americans (and the accompanying bad publicity attached to the lenders themselves), there may be a little more wiggle room for defaulted mortgages. Still, though, after the first missed payment, it’s always that much harder to climb back on your feet, and the home is the most important investment most Americans will ever have. There’s no point to debt management if you end up losing your residence.In the same way, even if you are not a home owner, while working to manage your credit card accounts through debt management, make sure you do not also ignore the rent payments. Eviction proceedings can happen even quicker than foreclosure and being evicted from your apartment has similar repercussions to credit scores – and, if needs be said, can just as severely affect your income potential and overall mind set (as we’ve said, a comfortably home environment should be thought of as a key to successful debt management). Also, while you are setting aside a budget for debt management and calculating how much money’s available for credit card accounts, don’t forget about your car payment when assessing which bills you may be able to occasionally ignore. Automobile loans tend to feature relatively lower interest rates. However, they’re also very quick to repossess your vehicle if given the opportunity, and that would most assuredly hamper your continued employment as well. Debt management doesn’t only refer to the elimination of credit card accounts but also a lifelong attention and organization of even those debts that you may want to maintain.Difficulties with auto loans should be particularly worrisome for problem credit borrowers that had to involve shadier finance companies to originally afford the auto. These companies, depending on the fine print of your contract, will not even be legally required to provide written warnings before alerting their repo divisions. Much as the interest rates will be substantially lower than credit cards (which many of these businesses also offer – at sky high rates, to be sure), such predatory lenders take the risk of financing primarily in the hopes that they will be able to take advantage of the much more lucrative repossession market for your car or truck, and keeping your payments up to date should be an essential component of debt management. Another key, when assembling your budget and making a list of necessary due dates, should be to remember to always make sure auto insurance payments are on time. This shouldn’t be solely because of the law, though that should be reason enough, but, in the event your vehicle insurance is canceled, the lender’s have the option of forcing you to pay for their own insurance which carries with far higher premiums for limited benefit that can sink any well meaning attempts toward debt management.It’s important to recognize the varying priorities of your debts – that’s the point of this article, after all – but, while the ladder of obligations must be clearly outlined, a knowledge of what you should be doing to enable your personal debt management strategy isn’t nearly as important as the ability to actually undertake a successful debt management program. In this sense, added income would obviously be the most helpful to every household, but, for those borrowers that cannot reasonably hope to better their earnings on a regular basis, most every American can at least lower their outgoing expenses through a process of careful budgeting and attention to unnecessary costs. If you truly want to free yourself from the accumulated debts, there needs to be a greater overall change of life and behaviors. Take a close view of your purchasing instincts, and try to figure out ways in which you may be able to reduce the needless costs so many households develop. Above all, figure out how to exist within your budget and best determine the lifestyle that you and your family must adapt towards in order to most efficiently manage your debts. Take care to crop your household spending to the bone, and avoid attaching any further debts to your name. If it’s possible for you or another member of your family to find additional earnings, whether through a second job or an at home business, that would be of an obvious benefit for debt management. Though this may not seemingly be the best time for this particular advice to succeed, you may even attempt to find a job with higher income potential or a career that would provide greater likelihood of advancement. See what you yourself can do to eliminate financial burdens. Debt management companies may be an excellent resource, but the debts remain yours and you cannot expect anyone else to sweep them away.