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Studies show that we are buying more goods online than ever before, and the delivery industry has had to ramp up quickly to handle this retail increase. Figures recently released in the UK reveal that deliveries are up, but road haulage has actually become more efficient. What does this mean for consumers and for retail businesses – and what is the future of online shopping in Britain and across the world?

The growth of online shopping

65% of people living in the EU made at least one online purchase in the past year, according to Eurostat. It seems that online shopping has finally reached its tipping point, outperforming the high street by around 1%. A recent Wall Street Journal study revealed that 51% of purchases were made online – up from 48% in 2015. Almost half of those purchases (45%) came from mobile devices. Today’s consumer shops quickly, orders while they are on the go, and wants fingertip access to the products they purchase. This is not just a UK or European trend either – from the US to Australia and from Eastern Asia to central Africa, online shopping is growing throughout the world. The ability to shop anywhere in the world is changing trade for every nation.

What is pushing this increase in online shopping? Consumers interviewed in New York revealed their top choices for internet purchases:

  • Electronics
  • DVDs
  • Music
  • Clothing
  • Books

Convenience and direct deliveries are a big part of the appeal when buying online, along with flexible shopping hours. “I work long hours, and don’t always get chance to visit the store,” says NYC resident Marti Jackson. “When I get home I can find my favourite stores on my iPad, and browse items at my own pace without spending hours at the mall. They get delivered directly to me and I don’t have any hassle at all”

Cutting costs is another key reason for shopping online. Deals and discounts are extremely widespread, with hundreds of retail outlets shipping designer and high street goods to buyers around the world. Shoppers love a bargain and are always looking for great offers to save them some cash. This has led experts to predict that 1.6bn parcels ordered online will be shipped to UK consumers in 2016. “Around two thirds of all code requests at our site relate to physical products – consumer goods – and this is surely contributing to a rise in overall deliveries,” said Swapnil K., marketing analyst of VoucherBin.co.uk

The impact of increased online deliveries

Recent figures released by the Department for Transportation show that road deliveries increased by a huge 12% between 2014 and 2015. In the same period, online retail sales grew by 16.2%. International courier firm UPS recently reported a 10% profit growth as a direct result of online consumer purchases. As we buy more goods online, it has the knock on effect of sending more haulage vehicles on to the roads – and increasing pressure on an already growing industry. More road haulage means an increased environmental impact, rising costs for companies – and potentially, an increase in delivery costs. One might reasonably assume that our roads have got busier to compensate for all these increased deliveries.

In part, that is certainly true. Logistics companies report a 9% increase in HGV use over the past eighteen months. However, this leaves a 3% gap that did not previously exist. It seems that as the online retail industry grows, haulage companies are becoming more efficient and can handle deliveries more effectively. This is great news for the environment, for haulage companies – and for consumers as well. Delivery companies who can keep their own costs down can pass these savings on to online shoppers.

The future of online shopping

The benefits of online retail are varied and numerous. While some still prefer physical stores where they can test out products, shopping online keeps picking up fans. Many shoppers turn to the internet to get products they cannot find locally, while others choose this route for convenience and flexibility. Access to a wider range of brands, the chance to pick up deals and voucher codes and easy delivery of heavy or bulky items are all alternative reasons to choose the online route.

It doesn’t seem likely to slow down any time soon. Millennials are the main demographic influencing today’s retail market, and they have shown an overwhelming preference for mobile web services. This is pushing many online retailers into the mobile sales market, selling their products through dedicated mobile apps and shopping hubs. In this age group, price is the biggest influencer for any purchase decision. As online is the best way to compare prices and switch between retailers, it is also the best way to get you a great low price. Brands that want to stay ahead of the market need to keep offering cut price deals and ensure they have a great mobile app for their customers to use.

Of course, online shops need to step up their game if they want to keep competing for a decent share of the market. Studies show that 59% of consumers purchase less from a retailer that has a slow loading or hard to navigate website, and 57% will reject e-commerce sites that are not mobile compatible. Keeping up with changing technology is a key to harnessing the online sales market and achieving long term success as an internet brand.

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How To Improve Your Credit Score

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Improve credit score

Your credit score is one of the most important things you have in life as it can determine how much money you can borrow. It is something that will be analyzed to determine your affordability for large purchases such as a house, car or if you want to put an item like a phone or expensive watch on finance. Your credit score can be bad for a number of reasons, such as if you have large amounts of debt, if you miss payments or are not on the electoral roll. If you find yourself being contacted by skip tracing for late payments, this will also have a negative affect. To avoid this from happening, it is important to try and build up your score. Whether you have a low score now that you are trying to improve, or you are looking to build your score to the best it can be as you will soon be applying for a large purchase, here are some ways that you can improve it in no time.

1. Keep your credit utilisation low

It is important to keep your credit utilisation low so you don’t look like you rely solely on credit. Credit should be to boost your finances and not something that you solely depend on. You should always try to use less than 50% of your credit utilisation so it shows this. If you can keep your credit usage below 25% of the limit that is the best way to improve your score. If you have used quite a lot of credit it could be worth upping your limit (but not spending any more on it) so it means you are within your 50% limit.

2. Make your payments on time

Late payments are a massive no-no when trying to improve your credit and can stay on your credit report for up to seven years. This is why it is so important to ensure that you make your payments on time, every single month. If you find that you forget to make payments on time, why not try setting up a direct debit that takes the money straight from your account and pays the other debt off? This way you don’t need to remember to do it yourself every month and will make sure that you never miss a payment.

3. Build your credit history

If you don’t have any credit, then it is a good idea to get some so that companies can see how well you pay bills and debts. Why not get a credit card with a small limit and pay it off in full each month? Or take out a phone contract that is in your name? Also make sure that you get on the electoral roll. This is often a problem that a lot of young people have regarding credit but can easily be built up with a few steps.

These are just a few of the ways that you can improve your credit score. By implementing this you will find that your credit score will soon improve and help you with future financial applications.

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Would you like getting paid to take surveys?

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Taking paid surveys are one easy way to make money in EEUU because you can work at home. The actual social and laboral situation is being difficult to find a job. You can see the positive side: you have a good opportunity to get paid to take surveys.

Honestly, you will not be absolutely rich even if you don´t have a good personal situation but it´s a good way to make money. And if you live in EEUU, you are lucky because this job is better paid than other countries.

Many companies stay in USA and many market studies are done around the country so it is the place where more money are given to people who do the survey completed. The brands want to know what people are talking about, what are their opinion about one product, how is their life, etc. And the paid surveys are a good way to find out it. While more specifics are the answers, the results are getting better for the companies who will be closer than their public objective.

Would you like working to get paid to take surveys? Pay attention to this.

How to apply for paid surveys work

If you are interested in working to get paid to take surveys, you must to login in a sure platform and register. It´s completely free. Once you sign up, you have to wait for an email be sent you, so you need to check the account inbox serveral times.

You need to answer some questions about you because it´s important to create one profile and they can send you questions according to your personality depending on your preferences. One tip is you can answer the questions as precise as possible. On this way, your possibilites to get the job are higher. When you finish to fill your personal information, just wait.

How paid surveys work

You will be better paid in EEUU than other countries. To be honest, you will not be rich taking surveys but it´s extra money if you need anytime. So, get away those  companies that promise you earn a lot of money with paid surveys because its not so. When you do the first survey, you will be paid with from $1 to $4. It´s not too much but enough money to help you.

There are a lot of places where you can apply but don´t trust those that promise you earn a lot of money taking paid surveys because it´s not real. You can check, for example, the web https://topencuestaspagadas.net. They show you some safe places.

Getting paid to take surveys is a good way to earn money in EEUU. Many companies are making products every time and they want to know the public´s opinion before the product is sold. This is your opportunity because in EEUU nothing is stopped. So if you want extra money, just apply.

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The Cheapest Places to Upsize Your Home Revealed

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Does it feel like you’re seriously lacking in space in your current home? Do you find the clutter has taken over your life simply because you don’t have enough storage space? Do you and your family members feel as though you’re living on top of each other with little to no privacy? If you’ve answered yes to these questions, then there’s a good chance you’re already convinced it’s time to upsize your home. But what if you can’t or don’t want to upsize the budget? Can you upsize your home in an affordable way?

With that in mind, here’s a look at some of the cheapest places in the UK where you can upsize your home.

Orkney

Top spot goes to Orkney, which is not only a great location for upsizing but offers all kinds of other benefits to residents. It’s here that you’ll be able to take advantage of a bigger living space without having to inflate the budget exponentially.

As an in-depth article by deacon.co.uk – a specialist buildings insurance provider – points out, it is often called the happiest place to live. Residents consistently point out their high quality of living, low crime rates, school class sizes in the primary years are low. It’s rare you’ll find anything that would be classified as a traffic jam, there is plenty of open land and wide-open spaces, and you’ll be treated to some of the most exceptional natural scenery in the world.

Richmond in North Yorkshire

Another great location to research is Richmond in North Yorkshire. It features many of the same draws as Orkney does, but this time you will be located in England. The cost of living is more reasonable than many other areas of the UK, house prices are still affordable, the crime rates are low, and you’ve got a robust nightlife and entertainment scene that you can explore.

Rutland in the East Midlands

If you like that quiet kind of setting that is filled with history and fabulous architecture, then you may want to consider Rutland, which is the smallest county in Britain. There are plenty of rolling hills, the River Welland, a lot of agricultural lands, and is a drivable 164 km from London (ideal for a weekend getaway).

Hambleton in North Yorkshire

Hambleton is located in England’s northern regions with Northallerton being the largest town in the district. The district is dotted with small towns and villages, is known for its agricultural lands, and even got the title as the “best place to live in Yorkshire” a few years back. This title was based on life expectancy, overall health and wellness of residents, personal well-being, weather, crime rates, and employment.

Other Notable Places to Consider

And if you’re still not sold on the places listed, other affordable areas that you can potentially upsize your home include Eden in Cumbria, Westminster, and Richmond-upon-Thames. Each has its own unique personality and list of benefits. No matter which of these locations you pick, there’s a good chance you’ll be able to fulfill your goal of branching out and upsizing your home to something that is more functional and liveable.

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