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In 2021, retail e-commerce sales amounted to 4.9 trillion US dollars globally and this figure is forecast to grow by 50%, reaching a total of 6.5 trillion US dollars by 2023 and 7.4 trillion US dollars by 2025. According to Nasdaq, by 2040, around 95% of all retail purchases will be made online, spelling the end of traditional retail. If you wish to take advantage of the e-commerce boom by opening an e-commerce shop and launching your own business, make sure you prioritize the following essentials to achieve optimal success. Identifying Your Niche If you choose the right niche and use data to drive your business decisions, your business can enjoy a 241% return on investment. Therefore, conducting research into a profitable niche is … Read more

You have undoubtedly been offered an extended warranty if you have ever bought anything of value. For example, a new car, home appliances, and electronics are usually subject to extended warranties. But are they a waste of money? At first glance, they appear helpful and cover you in case something breaks. But there are many instances where you don’t need them. On the Fence for Cars While you have legally required insurance, and you may even sign up for roadside assistance, an extended warranty might also be tempting. With an extended warranty for your car, you might feel you have covered all eventualities. But there are usually specific caveats and small print when it comes to care packages. Reviews of … Read more

When you are trying to make the best decisions to improve your life, one of the key things you should be embracing is investments. Now, there are so many different ways in which you can invest in your life right now, and this is something you need to try to make the most of right now. Make sure you do as much as you can to come up with excellent ideas that will allow you to improve your life and focus on boosting your well-being.  Taking steps to make positive changes in your life is so important, and there are loads of ways of going about achieving this. You have to think about some of the best possible ideas you … Read more

It’s common knowledge that you must pay taxes on any income you make while working, but when you retire, are your earnings from your savings still taxable? The answer depends on the type of income your retirement plan provides and how old you are when you start collecting it. There are many different kinds of retirement income, and it’s important to understand how each category is taxed and states that do not tax retirement income so you can plan for your future accordingly. This guide will explore the most common sources of retirement income that are subject to taxation. 1. Distributions from 401K Plans The good news is that 401K contributions are tax-deferred and therefore not subject to taxes until they … Read more

Whether you are a senior at risk of a slip and fall accident or have young children with the potential to get into harmful chemicals, your house may have more hazards than you think. But you can prevent accidents in your home. As a homeowner, you want your home to be safe for your family and friends. If anyone was to become injured in your home, you could be facing serious legal action from injury experts like Onder Law. To prevent injuries in your home, you will need to be assertive and responsible. From slipping in the kitchen to falling down the stairs, most home accidents can be avoided. Let’s take a closer look at a few ways to prevent … Read more

At the beginning of a new year, many of us make the brave decision to reassess our budgets and cut down on things we don’t need to be spending money on. Subscriptions get canceled and we make plans to cook more and get less takeout. However, if you’re already a frugal spender and don’t waste much, you might be wondering if there’s any way you could also trim down your budget even further. Cutting out luxuries and non-negotiable expenses and essentials isn’t the only way to free up space in your bank account – here are some essential expenses that you can reduce too. Insurance We all have to pay for insurance, but do we really need to be paying … Read more