qyndonh

The online retail environment in India is eerily quiet. The overall online pie is still very small. Broadly speaking, Indian consumers arent shopping online. The distributors or local vendors still look at the online channel as a drop in the bucket. New online retailers are slowly emerging however Indian ecommerce just cant seem to hit its stride. What does this all mean? Is online retailing not for the Indian market? Are the cultural preferences of Indian customers so unique that ecommerce will never achieve a mainstream status? Although the current state paints a very somber image for eCommerce in India, it reminds me of the time when we went on a vacation to Florida, only to find out that the area was about to be hit by a category 3 hurricane. Standing in balcony of the hotel room, I could feel an uneasy quiet. Wind was calm however I could feel something big was about to happen. Two years later, I find myself standing on the verge of another perfect storm a storm that will change the face of online shopping in India.

It is not a mystery anymore that the retail industry is going through a significant organization in India. Some would argue that this opens up more exciting options for consumers to shop in a physical store, which would further impact the adoption of online shopping in a negative way. Fair argument, however, I would like to share some specific reasons why I strongly believe that a reverse phenomenon is inevitable organization in physical retail will fuel an explosive growth of online ecommerce in India.

Why has eCommerce adoption been slow in India?

Before we look at the factors that will drive an explosive growth in eCommerce, it is important to look at why eCommerce hasnt taken off so far in India. Although there have been several debates on this topic, to me the most basic reason is that most Indian consumers still dont see enough value proposition in shopping online. They cant be blamed because over the past few years, they have heard a lot of horror stories about not receiving the right products, not receiving products in time, notwithstanding the issues related to cumbersome returns and cancellation processes when shopping online. On the other hand, we cant fully blame the online retailers because they have to rely on third party vendors, logistics partners who still havent achieved enough scale and the level of technology automation to consistently meet the desired service levels. These issues really point to the lack of a mature eco system across the eCommerce value chain. The organization in retail will give a significant boost to this eco system, which will help build trust with consumers so that they can feel comfortable in shopping online.

Organization in retail will catalyze eCommerce eco-system

First and foremost, as the retail industry gets organized in India, the overall supply chain infrastructure will see a significant improvement. This will have a direct and positive impact on the online channel. Today, the online supply chain infrastructure is virtually non-existent. Distributors use adhoc means to replenish inventories and fulfill customer orders. This leads to significant out of stock situations, which impacts the overall online customer experience. Having a solid supply chain infrastructure in place, distributors will be able to fulfill online orders in a predictable way.

Second, organized retailers will push for standardization across manufacturers and fulfillment partners. If we look at categories such as apparel, one of the biggest reasons consumers dont like to shop online is that they dont know what they are getting in terms of size, quality and fit. However, as there is standardization in quality as well as the attributes, consumers will feel more confident in purchasing the products online, without needing to touch and feel the physical product.

Another factor that will play a significant role in building this eco system is technology automation across the value chain. For nationwide retailers to maintain a competitive cost structure, they will push the manufacturers as well as suppliers to offer sophisticated technology integration so that they can better manage the flow of merchandise across the value chain. Online retailers will directly benefit from this sophistication in technology because they will be able to fulfill customers orders in a predictable fashion.

Lastly, national retailers will need to pool large amount of inventory in their distribution centers to service their stores across India. Holding inventory comes with an inevitable risk of over-forecasting. In these excess inventory conditions, retailers will need outlets for clearing the merchandise to free up the capital, and to flow fresh season merchandise into the stores. Web is a great channel for the clearance strategy, and retailers will be able to offer deep discounts online to clear up the inventory before they get ready for the next buying season. In US, various online retailers such as Overstock.com are built around the business model of buying overstock merchandise from retailers across US, and offering deep clearance pricing to customers.

Looking beyond Supply Chain & Fulfillment

The factors discussed above will help improve the adoption of eCommerce by making the online channel much more reliable. However, the role of online channel doesnt end here. With organization in retail, new online business models will emerge that will help facilitate online as well as offline sales. In Sears, we used to call these Web Influenced Sales. Over 70% of retail sales across high consideration categories in the United States are influenced by some kind of research on the internet. There are online businesses that provide comparison shopping services (e.g. Shopping.com), discussions on hot deals (e.g. Fatwallet.com), product reviews (e.g. CNET.com), Local store promotions (ShopLocal.com) etc. All these services are part of the online eco-system, that provide information at consumers fingertips so that they dont have to scour through 100s of printed store ads or rely on word of mouth to determine where can they purchase that new XBOX 360 console. As retail organizes in India, we will see the evolution of similar online aggregation and retail focused services that will not only help customers make informed purchase decisions, but will also put the online channel in the center stage of online and offline retail.

The confluence of above factors will set the stage for a perfect storm that will redefine the role of online channel in the minds of Indian shoppers.

Darpan Munjal has over 13 years of leadership experience with Fortune 100 companies in the retail and eCommerce industries. Currently, he is the Chief Technology Officer at Indiatimes. Prior to joining Indiatimes, Darpan was the Divisional Vice President of eCommerce at Sears Holdings (A $55 Billion retailer) which ranks #3 in US. Darpan holds an MBA from Kellogg School of Management and writes a blog on eCommerce and retail opportunities in India at http://www.commercewiki.com

# posted by kifonyq : 12:58 AM  0 comments

Missing phone calls while you are online?

Are you thinking of getting a private fax number for your business?

Can't afford an extra phone lines for your business?

If you answer yes for any one of the questions above, then CallWave might be what you are looking for. CallWave internet calls alert system is specially dedicated to all the internet users, cell phone users, and business owners. It is definately a smart solutions for those who faced the problems above and I am going to tell you why here.

When you download CallWave (within 3 minutes), you will be having these features instantly

No extra phone line needed.

*Answer calls directly from your PC.
*Own your personal private phone number.
*Get calls transfer to your cell phone.
*Works perfectly with AOL and ISP account.
*Easy setup + instant download.

Basic CallWave package is free. Also, CallWave is giving 30days free trial on their internet call alert services. CallWave is safe and it's very easy to be used. You DON'T even need to use your credit card online to purchase CallWave service. 11 millions United States citizens had subscribe to CallWave, you too can have a try on it with the 30 days risk-free trial on ANY one of the CallWave packages.

Besides all those features listed above, CallWave also provide these special features that other call alert services don't offer.(and this is why i am only recommending CallWave call alert service.)

Your personal CallWave fax number Receive or send fax directly from/ to your email inbox with your personal CallWave Fax number.

CallWave Toll-Free Home Number Save your friends and familys money by getting a CallWave toll-free home number. No long distance calls cost for people who are calling you anymore!

CallWave Phone Number Your own personal, private CallWave phone number. Enables your friends and family to reach you anywhere, anytime - whether you're online, on the phone or away from home. Save up your money for setting up an extra phone line.

Telemarketer Blocking Tired with all those telemarketer calls? Get them blocked with CallWave! This feature blocks annoying telemarketer calls and triggers the removal of your phone number from the telemarketer's automated dialing system.

If you need a demo on CallWave, please visit this page: http://www.downloadcallwave.com/callwave/callwave-demo.html

Teddy LCc. Internet Webmaster/writer reviewing home appliances and related softwares. To Download CallWave services, please visit his website http://www.downloadcallwave.com

# posted by kifonyq : 9:18 PM  0 comments

Quarter cracks are vertical cracks in the hairline or coronary band of the horses hoof. They can be large or small, they can bleed and they can make a horse lame. Since the crack is sometimes an open sore its best treated in some way. Depending on the causes of the cracks they dont all heal by themselves unless something specific is done.

The problem with dealing with quarter cracks is the movement and stresses put on the foot that spread the crack and prevent it from mending. If the horse becomes lame the problem usually cant be ignored.

There are several types of fixes requiring a bit of skill and expertise in order to achieve a mend and recovery. There are also several reasons that quarter cracks occur as well becoming aware of the reasons can go along way toward prevention.

Quarter cracks can be caused by a thin hoof wall (a genetic disposition) as well as low under slung heels combined with too long of toe. Uneven balances all contribute to the possibilities. When the heels of the horse are too low and the toe too long the downward pressure from the weight of the horse on the hoof is misplaced and the foot gets stressed in a certain point the crack is the result. Obviously a horse involved in hard work and stressing the feet can be susceptible.

shoeing the horse correctly is one of the first places to start for prevention.

The fixes are where things can get tricky actually correct shoeing can be tricky as well but quarter crack lacing and repair is usually not an easy task. Probably the simplest method of repair is by just cutting the hoof wall directly under the crack where the hoof touches the shoe and creating a gap between the shoe and hoof there. By creating the gap the hoof at the area of the quarter crack no longer takes a pounding which keeps the crack open in essence the area Floats giving the crack a chance to mend. This method works pretty well.

Another method is cutting a small piece of sheet metal and screwing it into the hoof wall at the location of the crack the idea is to squeeze the crack together and hold it that way with the plate steel. I personally have used this method with mixed results.

A very interesting method of repair is to burn some slots into the hoof in the location of the crack one on each side of the crack a nail (horseshoe nail) is driven through from one side to the other (in one slot out the other) and then the nail is pinched together thereby closing up the crack giving it a chance to mend. All in all quarter cracks can be a pain and become a chronic problem.

The first place to look for improvement and prevention is with the horse shoeing making sure the shoeing is correct is paramount. And if your horse is popping quarter cracks theres a great chance that your horse is susceptible to risk of other lamenesss as well.

When you want your horseshoeing to be the best go to a proven method. You should know I personally (as a farrier myself) have a 16 year 100% track record Not One Single Lame Horse. I know you care for your horse and all horses, then just run over before its too late and click the website link below in the Author Bio. This method is available. This method is not taught in textbooks or schools I know I attended the schools and used the industry textbooks. So go ahead just click the link.

Thank you happy riding and remember to Care4Horses.

Reprint rights allowed providing nothing is changed

Author Bio: John Silveira, Farrier, Aikido practitioner, spiritualist, born and raised in San Mateo California the bay area. For information on his shoeing method and the 100% track record just go to http://Care4Horses.com and leave contact information.

# posted by kifonyq : 7:02 PM  0 comments

A few years ago, if you had a bankruptcy or a foreclosure on your credit report, you could forget about trying to get a mortgage loan. If you were lucky enough to find someone who would finance you, your interest rate would be through the roof and plan on putting 10-20% down.

But today, this is not the case. There are many programs available today to help people who have recently suffered a bankruptcy or foreclosure to get a mortgage loan or mortgage refinance loan.

There are two things to do if you are in this situation:

1. Get yourself a free copy of your credit report from all 3 major credit bureaus, look over everything, do you see any mistakes? Make sure everything included in your bankruptcy or foreclosure reports accurately on your credit report. Make sure those accounts involved in a bankruptcy or foreclosure are not showing something else like collection or charge-off.. That could make your score much lower than it needs to be. If you have a bankruptcy or foreclosure, you want everything involved to say so, so it is all under 1 circumstance, instead of many. You can dispute all errors on your credit report online nowadays. It takes about 15 minutes. You can do it right on the website of Equifax, TransUnion or Experian.

2. Once you have checked your credit reports, apply only to places that submit your application to many lenders. Every time your credit report is pulled, it will knock your credit score down a little. If you apply to a mortgage service that will submit your application to many lenders, then you only have one credit inquiry and can receive offers from up to 4 lenders per application.

Frequently asked questions are:

1. Will I have to make a large down payment? Not necessarily. If you can get your credit score above a 600, you should easily be able to get 100% financing, even if it has been less than two years since your bankruptcy or foreclosure. If your score is above a 580, you might still be able to qualify for 100% financing.

2. What kind of interest rate can I expect? Depending on your credit score and whether you have any down payment or not, I have heard of situations with a credit score as low as 585 with no down payment and an interest rate as low as 7.25%. That was quoted in March of 2005.

3. Can I get cash out? On a purchase, not likely. On a refinance, depending on your amount of equity, that is very possible.

There are many lenders who specialize in bad credit mortgage loans. To view our list of recommended bad credit mortgage lenders, visit this page: bad credit mortgage loans. These are the best lenders to apply with.

Written by Carrie Reeder, Owner of http://www.abcloanguide.com. Carrie's website is an informational mortgage loan website. Her website has articles and a list of recommended mortgage lenders for people with low credit scores.

# posted by kifonyq : 6:40 PM  0 comments

After searching for about three years for the perfect work at home opportunity, I finally found one in Mark Warrens Ultimate Wealth Package that really works.

I am sure that you can imagine the numerous work at home opportunities that I have tried and the amount of money that I have lost trying to find a home based business, or internet opportunity that really works. There are just too many opportunities out there to know what is real and what is not.

Well, I am here to tell you that Mark Warrens Ultimate Wealth Package really works and is a legitimate and proven work at home opportunity. All you need to do is follow the step-by-step instruction provided for you and you will make money.

Not only do you get step-by-step instructions with this wonderful work from home opportunity, you will also get your very own free money making website which will work for you twenty four hours a day seven days a week even while you sleep. You simply cant lose by getting a free money making website and step-by-step instructions on how to make money with it.

If thats not enough, Google Adsense Ads are also placed on your free website which pays you every time someone clicks on them. Having Google ads on your website is absolutely amazing. Imagine, making money just by advertising small Google Ads on your website; unbelievable right?

Ok, you get the point. Just visit my website link provided below and take a look at this wonderful work at home opportunity from Mark Warren. Start today, youll be happy that you did.

Sandy L Murray is an Affiliate of the Ultimate Wealth Package and wishes to provide you with a proven and legitimate work at home opportunity. To learn more visit the following links. http://www.sandyswebesite.com

# posted by kifonyq : 4:38 PM  0 comments

Your mobile phone is an extension of you... And Sony Ericsson know this very well. Thus, it has come up with an extraordinary handset Sony Ericsson S500i designed exclusively to enhance the emotional bond between the handset and the user. And how does it do so? It comes wrapped in a unique concept to provide a refreshing experiences between day and night and the different seasons. In other words, the Sony Ericsson S500i enables you to get harmonize with your environment.

Out of the box, the Sony Ericsson S500i comes with three themes available to the customers: clarity, night & day, and everchanging. And it is this 'everchanging' theme that makes Sony Ericsson S500i a hit in the market. True to its name, the handset comes with a myriad of animated wallpapers and illuminated color menus that changes periodically. In the day, the LCD shows a floral wallpaper lit by yellow ray with coloured butterflies appearing randomly; while at night, the scene is illuminated by a distant blue light with fireflies flying randomly in the foreground. And that's not all, the wallpapers also change with seasons and time. This sure adds a lot of excitement and makes the handset appear quite personal. According to the manufacturers, the themes are specific to Sony Ericsson S500i.

Like the rest of the Sony Ericsson phones, even the Sony Ericsson S500i comes without Call/End keys. So, for first time users, its something to get used to of. The keypad appears to be small, but then it sure is comfortable enough to type. Since the handset does not fall under the category of Cyber shot, or Walkman series, the multimedia prowess of the Walkman phone is rather spartan. The music player comes with standard features and supports audio format such as MP3, AAC, AAC+, E-AAC+, WAV, WMA and m4a. The Sony Ericsson S500i features a basic camera. It has 2 MP and resolution is 1,600 x 1,200 pixels.

The handset comes with quadband GSM radio with support for bluetooth stereo. There is an internal memory of 12MB available, and users are also supplemented with Memory Stick Micro card slot. There's also an Access NetFront Web Browser with RSS feeds, onboard apps, voice recorder and bluetooth remote control facilities. The handset is rated for up to 9 hours of talktime and 15.4 days on standby.

Bryan gian is a Internet marketing consultant. He has written many articles on Mobile Phone, Sony Ericsson Mobile Phones

# posted by kifonyq : 2:42 PM  0 comments

If you need an online auto repair manual that can help you precisely fix your problem, the internet has an incredible amount of car care information. What you won't find however, is a Chiltons or a Haynes auto repair manual, because they're copyrighted material. You don't need them anyway, because there are a lot of good car repair web sites with individual pages or articles that can solve your specific problem.

In fact, you'll find articles on all kinds of car fix and vehicle maintenance topics, such as

• auto body repairs
• automatic transmission replacement
• bleeding brakes
• car audio systems fix
• changing oil
• finding the causes for a bearing failure
• how to install a replacement ignition system
• how to upgrade an exhaust system
• troubleshooting car stalling
• troubleshooting car starting problems

and much more.

Here is a good place to search for vehicle fix manuals: Go to the search site at 10w40.com and type in the problem you want to solve - and the likehood of finding the instructions you need is high. On this website you can also post your problem on an advice and discussion board, and get your problem solved almost instantly by an expert in this repair field or by an ordinary person who has experienced your problem and solved it already or might know where to go to get the answer you need. And it doesn't cost you a cent.

There are many other good websites where you can get an online auto repair manual that will fit your needs. Go to google.com and type in [the problem you want an answer to]+repair manuals, and you should find lots of valuable vehicle repair resources that might solve your problem.

Terje Brooks Ellingsen is a writer and internet publisher. He runs the website cheap-used-cars.w-eland.com Terje gives advice and helps people with automotive issues like how to find the online auto repair manual you need as well as buying used cars online.

# posted by kifonyq : 2:39 PM  0 comments