Review a local site - Blooming.com.my

www.blooming.com.my is the local e-commerce site that has been established in Malaysia and began operations since 1981; it has been grown from a small retail shop to its present set-up five retail outlet and now with its e-commerce operation. It allows the Internet users to have online Internet trading for the product such as flowers, baskets and etc. There have many types of the flower such as hand bouquets and potted flowers. During the special occasion like Valentine Day, Mother Day, Father Day and so on flower always will be the best choices to show the loves to their beloved. Furthermore, the basket arrangements such as fruits baskets, gourmet baskets and various types of hampers, and snacks such as cookies, cup cakes, cakes, quiches, chocolates, candies, wines and pies and other products.

product of blooming.com.my

Let Blooming Florist be your first choice for

FLOWERS.

Worldwide delivery, satisfaction guaranteed. The delivery of product will be on time and satisfied the customers. The procedures are been stated in the web pages. In addition, this websites provided many sample of the flowers and baskets, customers can choose from the picture show in the websites. Besides that, the price was stated below of each sample, this convenient the customer to make comparison the price of the product. Although, the site design of this website is simple and dullness as it does not emphasizes on the layout and does not draw the attention of the customers but it is having the colorful and unique designs of their products which are quite attractive. Due to the website having a lot of pictures of the products, the download speed is quite slow. This website also provided the floral arrangement tips, floral care, and popular card message and so on to the customers. Moreover, this website is user friendly as it has FAQ (frequently asked questions) section that answers the consumers about the problems relating to placing an order and delivery guidelines. There is no doubt that blooming.com.my was websites that provided the Quality product and Quality services.

www.blooming.com.my

It also provides the search engine to help the users easily find what they are interesting in. Consumers can also choose to shop either by products or by occasions as they have arranged it in their home webpage. There also have the some special promotion for the flowers are stated in the home webpage where this is one of the strategic to attach more customer. Moreover, also provides customer with a secure shopping carts so that customer can shop safely. Customer can verify the product through the VeriSign Secure Site. Consumers can make the payment for the purchases in various ways such as through online credit card, online banking, mobile payment, pay using Kawanku ATM, open bill payment and also cash payment in their retail outlets.

Cause and Prevention of Credit Card DEBT

Consumer likes to purchases an item or service through credit card anytime anywhere. The convenience of using credit cards has stimulated the usage among people which has become a big social problem as it can lead many people into bankruptcy. Debts will increase when the consumer unable to pay the company for the money he or she spent. There have several reasons that cause the credit cards debt, such as following:


Poor Money Management
People are unconscious in conducting a monthly spending plan and do not keep track of monthly bills and that why individuals have accumulated many credit card debts. They usually spent on the unnecessary or no value items and when there is a need to purchases the required items people may short of cash and use credit card frequently. There might have some charge on purchasing using credit card, people tend to pay for the interest on these purchases every month. Thus, it end up with debt when they unable to make payment.

Lifestyle

Nowadays, people are likely to live in the lifestyles that they preferring even they may spend more than they earn. Therefore, they find that using credit cards is the one of the way to afford their lifestyle. For example, they may prefer to have luxury living style such as to having decoration, limousine, having meal in high-class restaurant, braded clothes and so on which are the causes of credit card debt to be a lot when they unable to pay the debts.

Consumption
Due to the convenience of using credit card, people tend not to bring a lot of cash goes for shopping. What they need just to bring along the light and handy credit card and purchase the merchandises and services that they want rather than to worry the insufficient cash to be consume. As a result, they would not realize how much they actually expended at the time, they will only know until the bill send from credit card bank which may causes a lot of debt need to pay.

Financial Ignorance
People less of the financial knowledge, so they spent money without taking into the consideration the key concept of saving and investing. They spend too much and save little. They are responsible to theirs life and money anyways so that they have to find out the correct ways to spend money. However, nowadays financial mistakes are increasingly expensive and complicated to resolve. The deficiency of financial knowledge raises the credit card debts because people tend to use credit cards in the incorrect ways without knowing the financial strength and limitation.

On the other hand, there have some of the PREVENTION METHODS to overcome credit card debts:

1. Set a clear BUDGET

People have to create clear budget and stick on it that includes monthly bills, food, clothes, entertainment and miscellaneous expenses will prevent from overspending and fall under deeper debt load. Otherwise, can get advices from a consumer credit counseling centre where they will help you work out different payment options for your credit cards.

2. Deal with CREDITORS

Address the problem to creditors to investigate whether they could give revised payment arrangement when having trouble to pay off debts because running away is not a good solution. If not, may refer to Fair Debt Collection Practices Act if the collection of money from creditors is not fair enough. Creditors may approve proposal and accept modified payment plan when hiring a good credit card debt consolidation companies.

3. Get rids of DEBIT CARD

By using debit cards, people will not spend more money than money they have and wont over the limit. There is no doubt that debit cards are a superb toll to get rid of credit card debt.

4. Get rids of CREDIT CARD

Get rids of credit card is one of the ways to live a debt free life. People can limit the number of card and using credit card that provide low interest balance transfers, transfer the balances from your other cards onto the card with the lowest rate. Besides that, only use the credit card when there is an emergency.

5. SELF CONTROL AND DISCIPLINE

The best practices of getting out of the credit card debt are able to pay back the full amount each month and only use in emergencies. Thus, self control and discipline to keep these cards in wallet and would not overspend. Besides that, avoid impulse purchases. Only purchase items that really needed. Do not buy it if it not a necessity. If you think you have badly in self control you can tear up credit card applications when the credit card company sends you those application forms.

Resisting the pressures of the credit card society will be a lot easier once you have set your mind to it, and started to feel the benefits. Enjoy the process, and you will be a cash convert for the rest of your wealthy life. ^^

The threat of online security: How safe is our data?

Technology of internet is continuing grow rapidly where everyone no matter old or young also gain access through internet. People tend to use internet for the business transaction, information sharing, surfing net and etc. However, there is a risk where some websites contains some malicious program such as virus, worms, trojan house and spyware. Therefore, the online security is very important to prevent the data from loss, damage and misuse.

THREAT of online security

Virus is a piece of code that inserts itself into a host, which including the operating system in order to spread over and harm the users computer. Virus attack can damage the operating system, causing the loss of data and other possible losses. In the internet world, there have around 80,000 viruses and everyday will have 25 new viruses be created. The examples of computer viruses are I Love You virus, AutoRun and etc

Worm is a program that copies itself repeatedly. The repeatedly copied files use up the available space and slow down a computer operating speed. The difference between the virus and worm is worm does not need to attach itself to an existing program. For example Wscript.KakWorm spreads using Microsoft Outlook Express. It attaches itself to all outgoing messages using the Signature feature of Outlook Express and Internet Explorer newsgroup reader. Simply reading the received email message causes the virus to be placed on the system.

Trojan House is a program that hides within or looks like a legitimate program. Although they seem to be harmless, they may however be triggered if certain condition is certified. The example of Trojan horse is Trojan Xombe which is the mask as email from Microsoft. The hackers will access to the computer and steal the passwords. Spyware is a stand-alone program that monitors the activity on computer, gathering personal information, such as usernames, passwords, account numbers, files, other confidential information, and even driver’s license or social security numbers without being detected, and sends this information to another computer. Additionally, a user may unknowingly receive spyware by accepting an End User License Agreement from a software program. For example, blogs are being used by hackers to spread spyware, exploiting flaws in publishing tools. Experts say hackers can use JavaScript and ActiveX, common methods for launching programs on webpages, to install spyware on blog visitors’ PCs. Richard Stiennon, chief of technology for Webroot Software, says auto-generated websites such as blogs are a great place for spyware authors to spread their work.

In conclusion, risk exposed by computer users is increasing with the increasing developed technology. Therefore, safeguards developed must be always up to date to enhance the defenses against online security threats. In the same time, users must be educated and informed about the crucial damages and loss caused by imposing online security threats.

Success of eBay and its Causes

eBay is one of the success example for e-commerce and also a well-known website for everyone. It has around 13 years of history. eBay has a strong primary goal and mission is to be an online person-to-person community.



eBay's success is based on its ability to transform many fragmented, primarily local markets into global ones at a relatively low cost to its users. Nowadays, all buying and selling transaction can be make online so that it can satisfied people who always have a high demand and make sure that they are getting the items that they need. If compare to last time, it have been done through garage sales, classified advertising in local newspapers, and flea markets. However, the number of people available to complete a transaction was limited because a face-to-face meeting was typically required.


FRAUD have been mitigated through a user feedback system escrow services, so that users right are PROTECTED. These also can increase the trust of users on eBay. eBay's ability to bring a large number of buyers and sellers together is what has driven its GROWTH. The more buyers there are, the more sellers want to participate. Conversely, the more sellers there are, the more items are to buy, and the greater the attraction of the service to buyers.

eBay makes money by charging listing fees and collecting a percentage of the selling price of items sold through the site. EBay also owns PayPal, which makes money through investing its clients' assets and from transaction fees.

PayPal

eBay successfully introduced NEW MARKET, such as car sales, which many thought would not be adaptable to its business model. Although just a small portions of the world's population currently using eBay but fundamentally, it is so successful because it meets its customer's needs better than any competing service. No one else has accumulated such a large number of buyers and sellers in a single marketplace.