Is teleshopping good for us ?

In the hassled life of today, people do not get time to go for shopping, they prefer shopping from home, which not only saves time, but also they save themselves from tension of going and back, get ready to go out.

In the past one and half to two decade the Indian market has changed a lot. Due to this change, shopping has become an important part of life style. But marketplace has made shopping very easy for the common people; a common man can also very easily buy things in a short span of time. And this trend of shopping came with telephone and internet, tele shopping become only possible b the introduction of these services.

But of course only those who are friendly with the internet can shop online. But there is no such problem in Tele shopping.

From time to time, small screen has come up with new innovations and due to these innovations it gave a chance to its viewers to shop while being at home. Up till now viewers could only watch some programs for shopping, but now there are dedicated channels that show such programs 24 hours. They not only introduce their customers with new products 24 hours, but also they try to convince them to buy the products by giving then attractive offers. Nevertheless in the starting these programs where aired in half and hour slots on various channels, but if we look back few years in the past, home shopping revolution has arrived in India. Today almost every household has a television. In such case approximately 50%of the Indian population may be interested in tele shopping. 

According to a report, Country has about 2 crore DTH subscribers and till 2014 this number may reach to45 crores. Till 2020this number is expected to reach to 58 crores. Vishal works in a private organization and says that he has done tele shopping many a times. I have never faced a problem because of this; infect tele shopping is more convenient then going to market for shopping. Whereas ,Dinesh who was a first time users says that I had never done tele shopping in the past and so ordered a multi laser printer just out of curiosity, but kept waiting for the laser printer and it was delivered after 4-5days, so my first impression didn’t turned out to be good.

What is sold in tele shopping?

If we concentrated, then knowing that what is sold on the tele shopping channels won’t be less interesting.

For your information let me tell you that these channels not only sell electronics items, but ranging form health to kitchen daily items, every thing is available on these channels. By TV shopping you can buy innovative electronic gadgets, mobile phones, branded clothes, digital cameras, microwave oven, juicer-mixer-grinder, toys, tv, video games, press, washing machine, books, computer etc, and in fact even designer jewelry. Not even this, e\even big companies target TV audiences to sell their products. These companies include Reebok, Levi’s, lee, Benetton etc., which directly want to associate with the customers.

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Precautions to be taken while doing TV shopping-

# whenever you want to purchase something, you should call the given number, to inquire about the product well.

# Does not buy products just for the sake of buying them. Firstly decide that if the product will actually be able to fulfill your requirements? Get hold of all the information about how to use the product etc.

# After that always write the name, code number and customer care number of the product in our diary.

# If there is a defect in the product of if the company delays the delivery, then it is important that you have the helpline number of the company.

# Be proactive in getting the information about the usage of the product or bills or warranty of the product

# Also get the information about the fact that payments of the purchased products can be made by credit cards or cheque. 

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Don't Shout ! Cut off your expanses !

How does it matter, if we travel  by public convince(inflated fares), by car/bike(fuel inflated), “Boss” is not on the seat(time waste),To reach office on time ,missed the breakfast from home(Canteen prices inflated), ‘Written Request’ took long time(as usual) (whole day wasted, deduction in salary or business loss) ! Over and above that, inflation!

Now everybody is forced to do ‘Gandhigiri’….Everyone is on the path of non violence..! We have to follow this path, what can we do, apart from standing against inflation ,the other way is to find various ways to save money, or to increase your income!

I think we will not be benefited by shouting against inflation…!!!..Yes, the opposition party will get a chance to drag down the ruling party; they will get a chance to earn some money by being on strike. (Now don’t ask how they will earn by being on strike).

By the way government says that they have reduce the taxes on the oil, so as to reduce the burden from the common man, for this government will have to bear a loss of Rs.49000 crore every year! (Unable to understand, if the public should cry with the king, or if the public should face its own problems first).

They are also saying that as compared to our neighbors’ (Pakistan, Nepal and Bangladesh); we have cheaper LPG and kerosene in our country. (This means that if in our family a kid has passed with 54% marks, then we should be happy, as the neighbors’ kid has just scored 52% marks, we are ahead of him, don’t compare with the toppers!) - Priya Sharma

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I think….if both of them work together, it will be for the benefit of both of us…it means that if government should reduce the inflation up to some extent…..and public should reduce the excess use of things or should stop wastage of things….if the usage will be less, government will not have to bring inflation into picture...!

If the inflation has increased, it doesn’t means that government has increased the inflation for itself, I mean it is not even in benefit of government…!!It may be possible that government has perceived that usage will come down if the prices will go up….We all know that the thing which is cheap is drastically in demand….but we don’t ever think that where does the product or commodity come from…!! If the public is creating an unnecessary scene, let them do it…!! Government has raised the inflation to actually control the situation...Perhaps

Public have never raised its voice against mobile recharge, even they are very costly…today mobile expenses are money then family expenses…it’s not about one family, its about all the families...Every member of the family has at least one mobile..And may be some members have even 2 or more mobile….if you assume one members’ expense as 500 Rs. then it comes out to be minimum 2000 Rs …!! 

If we reduce this expense by 400 …then we will not feel much inflation….means we should reduce and avoid the expenses which are unnecessary…and then use that money in the other necessary things, then we will not have the need to shout ….we will not see inflation...as we should shout when the budget is not balanced.

By the way, if we talk about petrol, imagine if the price per liter has increased by 5 Rs. and one man uses 10 litres a month, then it comes out to be just 50 Rs. a month...then what is the point to shout….we can spend 1000 Rs for tobacco and  cigarette a month, but we can’t spend 50 Rs extra for petrol and then we shout inflation inflation? ….what inflation man?…if we spend our saved income in having poison and waste the money, then why can’t we spend some part of it for the welfare of the nation…and also for that commodity which is used in part of our daily life.- Jitu Sharma (View Profile)
 

Financial Planning for Young Couples !

  

One of the first decisions any couple will have to make is whether to pool assets or maintain financial independence and keep separate accounts.

While situations like second marriages, previous holdings or bad financial habits may warrant the division of money, most financial planners believe a new couple should have a joint account.

"The benefit of a joint account is that both people get all of the information, so that is very beneficial," said Adriane Berg, financial expert, elder attorney and founder of Generation Bold. "Both should be watching carefully and both should be sharing responsibility so it is much easier in a joint account. It informs everybody of what is going on."

To allow a certain amount of flexibility, however, experts also suggest small separate accounts or regular allowances to take care of lunches at work, small discretionary purchases or gifts for your significant other.

"Money is a very emotional issue and trying to make financial decisions about every little purchase can cause a lot of friction in a relationship," said Nathan Gehring, certified financial planner and owner of Couples Financial Planning & Coaching, LLC. "Having that pot of money for this situation takes that concern away."

Getting married is a big step, but personal compatibility may be only part of the equation. Being a financial match can be equally as important, yet many couples do not ask the necessary questions to be sure they're on the same page when it comes to money. Having those conversations about money---accounts, investing, retirement---will help you build your financial future together.

 

The Talk-

Keeping the lines of communication open is important to any relationship---especially marriage. While love would seem to be the overriding factor in the success of a marriage, it can prove to be a weak player when the subject turns to one of the biggest obstacles to marital bliss: Money.

Financial hardships can hit any loving couple and be particularly difficult if they haven't taken the time before saying "I do" to know on which side of the dollar they stand.

"Really, the place you begin as a young couple is what the other expects of you and what you expect of your partner and coming to an agreement on what your financial partnership looks like," said Nathan Gehring, certified financial planner and owner of Appleton, Wisconsin-based Couples Financial Planning & Coaching, LLC.

It's the business side of the plan---and in many ways, the boring side---that helps to lay the foundation on which you will build your future.

"You are going to create your own lifestyle and those necessities you thought were important---eating out, shopping in certain places---may not be necessary at all," said elder attorney and financial expert Adriane Berg, author of "Financial Planning for Couples." "If you set the tone early, you will make much better choices."

If you've picked a china pattern but have yet to decide who's handling the checking account, you may want to slow down, sit down and have that chat.

Whether it is a series of talks or one longer conversation, it is important to discuss your basic philosophy of money and how that has shaped your life. You don't want to dream of owning your own home only to find your prospective spouse is ideologically opposed to property.

"One of the biggest pitfalls is not understanding one another's beliefs around money and about money history," Gehring said. "We've all grown up learning certain lessons about money ... and that is where a lot of friction, a lot of difficulty comes in for partners."

Sharing Responsibility-

With the sharing of information comes the sharing of responsibility. One of you may have the notion you'll control the purse strings, but that may set the stage for problems.

Aside from the trust issues of allowing both partners equal access to the books, there are practical reasons for spouses to share tasks.

Changes in employment can make it necessary for one person to shift time to the daily balancing of accounts, while sickness, disability or death can dramatically alter a household's financial status.

"I think that both parties have to do everything," Berg said. "They have to do it together; they have to have a joint meeting so they know what is going on and not relinquish or abdicate on anything from paying the bills to insurance."

Berg is the founder of the Academy of Elder Law Attorneys and of Generation Bold, which helps companies market to seniors. Her career also has included working with younger couples, however, and that range of experience has enabled her to develop a broader long-term perspective.

"I see people (now) who are much older," Berg said. "I realize how much more wealth they were able to save and accumulate when it was a joint effort on all of it."

Debt: the Elephant in the Room-

Current debts should be fully discussed as you and your partner discuss your financial future. From credit cards to student loans, debts that are ignored can lead to a serious problem for young couples: a low credit score.

"One of the goals that they should set before the actual nuptials is to improve their credit scores," Berg said. "That could mean consolidating a loan, paying off debt or cutting up credit cards."

She said it's better to delay getting married if that means improving each other's scores.

While debts may require regular payments, however, that doesn't necessarily mean you should hold off on starting to save for retirement.

"If your employer is matching 50 percent (on a 401k), that is a whole lot better return than paying off the 6 percent debt," said Martin Keil, wealth manager at Crowell, Weedon & Co. in Los Angeles. "That doesn't mean you ignore that debt, but there has to be an accommodation for your long-term retirement."

Don't Wait to Save-

Your own family may still be on the horizon, but experts urge planning for a time when you're chasing your children's children.

"The earlier they start (saving for retirement), the better off they're going to be. Just do the mathematics of compounding (interest)," Keil said. "So many people delay saving for long term; they need to be immediately saving money."

Keil said a Roth IRA can capitalize on long-term tax benefits and a living trust can protect assets for even a young couple. He said the simplest way to save might be through your employer. Gehring agreed.

"Always think of putting money into any company retirement plan where you can receive an employer match, because that is a part of your salary and if you're not doing that, you're giving money back to your employer," Gehring said.

Your financial planning should include regular short-term and long-term saving, charitable contributions and retirement planning, both at work and independently, Berg said. With realistic management of discretionary spending, such as vacations and cars, the future can be bright.

"People who do this end up incredibly wealthy and can retire very young--40 to 45," Berg said. "Basically, they plan their own pension."