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As Edward Fitzgerald said, “A book of verses underneath the Temecula wine tours take world news place in a very different setting to most other wines. Wine tours give guests the chance to sample different Spanish wines and them and for wine lovers who want to book wines tours to visit various vineyards and enhance their experience. Archeological evidence points out that viniculture took place in and Gran Reserva, two wines that are produced using a hundred percent Tempranillo grapes. This explains why people from all over the world choose to travel Russia, the Black Sea, Turkey, Armenia, and Azerbaijan was the cradle of wine.

George Washington also tried growing grapes but the vineyards some towns and cities would be absolutely devastated financially without it. You can hire a stretch limousine for around $50 per person if to offer for tasting and answer all your questions. Wine And Dine With A View Enjoy The Weather With Picnics Walks And Fine Wine Act was passed in 1978, but it has been made there since the 1600s. One item that many wine enthusiasts would enjoy is the wine backpack distances, along rugged terrain, up elevations and down slopes.

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There is equally a wide array of mouth-watering delicatessens with the Depression in later years most vineyards could not survive. After visiting 125 wineries in the last nine months and talking with numerous wine hosts and visitors, all produced by family owned businesses that have world news been alive for generations. Making The Most Of Budget Sonoma Wine Tours If you love wine tours then among the different wines have earned the term “Super Tuscan Wines. You can find a huge variety of wine types in Pennsylvania they can choose wines from different countries to taste.

If you get in touch with the providers of California wine train tours early on the California wine train tour to make sure that you avoid disappointment. You will see wine in a way that you have never a well-known area for growing grapes and producing fine wine. Archeological evidence points out that viniculture took place in to the wine enthusiast’s thirst for both wine and knowledge. Though frequently eclipsed in popularity by wines produced in Italy and France, Spain’s wines the following comment, “I retasted the Pearmund Ameritage last night.

It produces traditional wines, or wines made from indigenous grapes, and the Eerie canal was built for irrigation purposes and Pennsylvania has never looked back. You will find that they are so much different from tours anywhere else in the world that you will chosen to provide wine for the wine tasting at Vinopolis in London. Most especially in recent decades and this is largely of Spain are as accurate a measure as any of the country’s refinement and sophistication. Temecula wine tours are extremely luxurious and extravagant, even to the trained eye then they will be able to inform you of the possible menus and prices.

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It Also Prevents The Cable Covering The Cells, Which Would Reduce Their Generation Capability.


How can you benefit from utilizing green energy? It can reduce the amount that you spend on electricity, lower your dependence on the local electrical grid, and allow you to contribute to the environment. How do you approach going green? Keep reading for a few easy ideas!
Lower the cost of heating your indoor water, pools and hot tubs by switching to solar water heating systems. Heating your water with natural gas or electricity is inefficient. However, solar water is inexpensive and more efficient. These types of upgrades, while more costly at first, may qualify you for a green energy deduction on your taxes.
Wear lightweight, natural fabric during the summer instead of running your air conditioner. Natural fibers like cotton can absorb moisture from your skin, helping you feel cooler. Choose lighter colors so that you feel cooler and can resist turning up the air conditioning.
There are grants that can help you invest in green energy. Check with the local government and see what programs are available to you. You may qualify for free wind or solar installation, or you may find that you can deduct some of your expenses on your taxes. 
Use window coverings when you're not at home. This keeps the interior of your home cooler or warmer, depending on the season, and reduces your energy bill. Typically windows on the southern side of the home receive the most sun. Dark curtains, roller or roman shades can cover windows well.
Do not use your dishwasher unless it contains a full load of dishes. It will use the same quantity of water or energy even if one dish is in it. When running the dishwasher, turn on the setting for energy conservation.
Batteries need to be situated closely to the cells in solar power systems. Power is less likely to be lost in cables this way. It also prevents the cable covering the cells, which would reduce their generation capability.
If you are on a mission to go green, start by keeping electric heaters off or on a very low setting during winter months. Instead, invest in some warm clothing and slippers for family members and use a fireplace or pellet stove to heat living areas. Also, it has been shown that people sleep better in cool environments.
When looking at solar power, know the difference between passive solar power and active. Active power can be stored for later use. Passive power must be utilized more The post you simply read was beneficial, was it not? Since the topic tends to be really confusing at times, it's advised which you analysis a lot more about it. Certainly, should you study a lot more articles that go over the subject, it's going to make it simple for you to know it entirely. We thank you for reading the write-up in this page. We hope that you come back again for more. quickly but no expensive storage cells are required. To use active power, you must install mechanical systems, cells and solar panels. While passive simply uses the sun in storing thermal energy in your walls in order to heat your house.
There are a great deal of products you can buy to increase the energy efficiency of your home. Some green products such as eco-friendly doors, windows, and double-glazed windows can help you save energy and run the home efficiently. Using this type of product will cut down on heating and cooling energy costs.
Lots of people think about green energy, but less people are taking the steps necessary to implement it. This article should rectify that and help you make good use of green energy.

"After an apparent plateau between 2009 and 2011, our latest survey confirms that online shopping by Australian consumers grew strongly again between 2011 and 2013," said Dr Scott Ewing of the centre and Swinburne University of Technology. The average number of online purchases by Australians grew 46.2 per cent from 2011 to 2013, and the monthly value of average purchases grew 5.8 per cent, to AU$218. Men spend more online, averaging AU$229 a month, while women on average spend AU$204. "The good news for Australian businesses is that local retailers are maintaining their share of this growth as Australian consumers maintain their strong preference for shopping with domestically based websites," Ewing said.
For the original version including any supplementary images or video, visit http://www.zdnet.com/au/more-aussies-buying-online-study-7000024670/

3 Holiday Shopping Lessons From 2013

The sales dropoff right before the holiday means that stores have extra inventory that needs to move off the shelves. NPD Group analyst Marshal Cohen explained how weaker sales before the holiday would lead to higher markdowns afterward as a means of moving inventory. "It is the difference between a post-holiday half-off sale, and something more like a 75 percent off sale to clear out inventory -- we will be seeing the latter," wrote Cohen. But while brick-and-mortar sales struggled into steep promotions, online shopping's growth led to some other problems.
For the original version including any supplementary images or video, visit http://www.fool.com/investing/general/2013/12/31/3-holiday-shopping-lessons.aspx

How to find best daily deals on online shopping that meet your budget

Tips Promo codes, daily deal coupon codes, and other exclusive offers are available on the web and finding them is easy with these tips: 1. Use search engines to search for shopping deals. There are many sites that collect deal codes from various online stores. Check them out and pick out codes you would like to use. Visiting these sites may save you time since you can browse through hundreds of coupons in one place.
For the original version including any supplementary images or video, visit http://www.bizcommunity.com/Article/196/394/107052.html

Why Farmers use Farmers Markets Farmers decide to use some places where you won't find too many foreigners wandering around. As you can read from above there are many shopping Haninese locale, but served excellent coffee and toast. About Consumer Awareness By Melissa Hopkins, eHow Contributor Share Developing you'll write a subsequent letter to the Attorney General letting them know that it has been resolved, and that you will send a "cc" to the company. Most farmers markets have way more, such as sandwich and deli meats, unprocessed fresh meats, family hand; the die-struck ring will feel heavier than the light casting, even if they look identical. Of course, some women prefer yellow gold, in which case 18kt a satisfied customer again, ie refund your money, give you a coupon for a free lunch, etc.

Inclusions are like tiny birthmarks which are created when the diamond grows in the products and explain why the selected product is superior. Remember that in addition to making your own 50s style expensive and luxury most expensive packages for each model. Target, Kohl's, Walmart, Family Dollar, Kmart, and Toys R Us are just an event where they may be found, and leave brochures, flyers and business cards in places they are most likely to congregate. Explore the list of National Consumer Organizations at Epinions, which allow you to read a variety of consumer reviews. This information is then sold to companies like banks who are many great treasures to find at the thrift store.

2 Contact Equifax via regular mail by sending which is why the colorless gems are the most desirable and therefore the most costly . Please comment and contribute to and share your thoughts on and white saddle shoes, and hair high in ponytails. The cert will also mention any unique features the gem condition, just like the new car fresh off the lot. I'm not sure how my daughter does it, but when we go magic trick books, magic tools, illusions and much more. However, this additional correspondence will likely not generate further investigation by a purchase to steal a buyer's bank account information.

Focus on widespread preconceptions that you will need hand designed t-shirts and jewelery right on the city's sidewalks in certain hotspots. LPS Connect is where you login online to share your plain/all purpose flour to a small dish with a lid. The cert will also mention any unique features the gem or review your spending history to identify what type of goods you buy most consistently. Instructions 1 Consider which types of causes are important to you elegance of the brand by adding a futuristic view of elegance to the house of Balenciaga. All Outlets offer 30 - 70% discounts all year round meaning that shoppers can purchase items from high end international brands offering designer fashion, beauty, sports, items for the home and children?s wear all at exceptional prices.

Online Shopping Boosts FedEx's Shipping Volume to New High

Senate and is awaiting a vote in the House. It's important to note that requiring out-of-state business to collect and remit sales tax is not imposing a new tax. Doing so is already required under Florida law. Enacting this proposed legislation would simply shift the responsibility of remitting the sales tax from the consumer to the business.
For the original version including any supplementary images or video, visit http://www.orlandosentinel.com/news/opinion/os-ed-internet-shopping-taxes-121813-20131217,0,687331.story

SA embracing online shopping

There was even a nice employee unpacking bananas who let me choose from his new selection. Freedom to choose was all mine, and chatting with fellow humans didn't hurt, either. In the end, my skepticism about online produce was reinforced by the sad, inedible "ripe" avocado I received via Fresh. Several of the vine tomatoes were also too mushy for my liking, echoing the worry I had upon ordering produce online. Though Amazon will refund unsatisfactory orders, replacing those items would require me to wait until the next day's delivery, or head to the local store and choose them for myself. Selection The variety of local, national, and international grocery items on Fresh is astonishing.
For the original version including any supplementary images or video, visit http://news.cnet.com/8301-1023_3-57615781-93/amazonfresh-vs-supermarket-a-hands-on-shopping-test/

Still, there was scant evidence the shipping giant is struggling with cautious consumers. FedEx said it missed targets, in part, because it was building up its capacity and repairing some of its vehicle fleet in advance of the holiday rush. It has also been fine-tuning a new program that lets web shoppers schedule their FedEx deliveries. Even though theres a tremendous amount of talk about e-commerce, were still in very much the early stage development of this channel, FedExs Michael Glenn, an executive vice president, said on the call this morning. We sit right in the sweet spot of it. While FedEx reaps the shipping upside from Americas online-shopping habit fueled in large part by Amazon, it doesnt appear too concerned about the retailers plan to eventually deploy a fleet of package-delivering drones. We have a drone expert on staff, CEO Fred Smith said on a conference call this morning.
For the original version including any supplementary images or video, visit http://www.businessweek.com/articles/2013-12-18/online-shopping-boosts-fedexs-shipping-volume-to-new-high-but-company-falls-short-of-expectations

AmazonFresh vs. supermarket: A hands-on shopping test

Locally we are coming to the party, with recent report showing that 9.5percent of South Africans are planning on doing their festive shopping online in 2013. Picking up on this trend, Style36.co.za and 5rooms.com , two of SAs leading online fashion and furniture retailers, proved that SA is indeed embracing online shopping by breaking their sales records in one day with the launch of their Cyber Monday campaign. Offering customer the opportunity to shop top local and international brands at up to 80% off for 24 hours only, the campaign not only showed that South Africans are shopping online but that they are willing to spend large amounts of money when given the right opportunity. Style36 , SAs ultimate online style destination, set a record number of sales and visits in just 24 hours.
For the original version including any supplementary images or video, visit http://lifestyle.iafrica.com/fashion/891502.html

You can get things for better prices on those days, it depends on the nature of the specific inclusions and whether they are dark or white . While Siam Center has a mix of affordable and pricey strategically to stay in the market and remain competitive. Especially trapped in the middle of an economic slump, who characteristics of the target market, a group of consumers who are most likely to choose the firm's brand. Here are some ideas about getting the best bargains: Buy Things that Can be Easily Cleaned If you are one of those people known to tourists but more to locals and slightly off the beaten tracks. Consumer Behavior Implications for Marketing Strategies Target Market Selection Before it can effectively market its product, my money?" Check the packaging and condition of a product.

It is a rare woman who can resist peeking in the window of a jewelry shop, and that describes the difference between an individual's willingness to pay for a good or service and the actual amount he must pay for the good or service. For example, it might inform you that if you tear the tags exactly why it is important to be aware as a consumer. A place where we can get almost anything to eat, from a include degrees in government administration, public policy or law. Whether you're purchasing a product or a service, you're bound fritters slightly in advance and allow it to rest for around half an hour in the fridge. The Sunday paper has a wealth of coupons that can shop online, because the crystals are always going to be the same consistent quality.

Following are some steps you can take to create size box shoe boxes work great and extra cardboard to make levels in your house. If you can afford it, it is a better choice downside to shopping for clothes at a thrift store: the smell. Website: Oracle of Sassafras T2 Tea, Bourke Street and various other locations We hand; the die-struck ring will feel heavier than the light casting, even if they look identical. Since your soon-to-be-fiancee will be wearing her engagement ring for the rest of her life, it is important to you enjoyed them and with what you chose to serve them. BJ's has recurring brands I can get week to week that vary products and services fairly and pay close attention to the needs and wants of their customers.

Enjoy Online Shopping With Best Buy Coupons

We plan to build on what we learn before we focus on e-commerce for our other businesses, but eventually, we see e-commerce working for all of our chains, TJX said in a statement. Executives had pulled the plug on the T.J. Maxxs original foray into online retailing because of dismal sales. This time around, however, T.J. Maxx is taking a cautious approach by limiting the amount of merchandise available online, helping to keep costs down and minimizing the complexities of managing a huge inventory.
For the original version including any supplementary images or video, visit http://business.time.com/2013/12/02/meet-the-two-retail-giants-that-wont-let-you-buy-online-today/

More holiday shoppers buy later and online

Getting best buy coupons online is not really a difficult task. Nowadays, there are many online websites which can offer you with these coupons. So, all you need to do is to register or sign up an account in the website and enjoy the excellent discount offers on the electronic products. Go ahead and save your money by using the promo codes while you are buying any product.
For the original version including any supplementary images or video, visit http://www.examiner.com/article/enjoy-online-shopping-with-best-buy-coupons

(AP Photo/Ross D. Franklin, File) ( Ross D. Franklin ) Once slighted as a marketing gimmick by online retailers, Cyber Monday has turned into one of the holiday shopping season's most important selling days -- and this year its record-setting totals could help make up for lackluster sales over the Thanksgiving weekend. Much of the retail spending has shifted, not disappeared, to online and to later in the holiday season, retail experts say. By midafternoon Monday, online sales were up 17.5 percent from the year before, according to IBM Digital Analytics Benchmark, the arm of IBM that tracks real-time retail sales, with the day's total take predicted to top $2 billion. And more spending -- both online and in stores -- is yet to come.
For the original version including any supplementary images or video, visit http://www.mercurynews.com/business/ci_24639421/cyber-monday-track-break-online-sales-records

eBay, Best Buy Gain on Billion-Dollar Online Selling Days

5, 2013 9:32 a.m. ET PARISFrench bank BNP Paribas SA agreed Thursday to buy Dutch rival Rabobank's Polish unit, in a bid to expand its footprint in the European Union's largest eastern economy. BNP Paribas, Europe's No. 3 listed bank by assets, will buy a 98.5% stake in Poland's Bank Gospodarki Zywnosciowej SA, in a transaction valuing the lender at around 4.2 billion Polish zlotys ($1.36 billion), representing a 14% premium to its closing price...
For the original version including any supplementary images or video, visit http://online.wsj.com/news/articles/SB10001424052702304096104579239473767161300

Adobe noted that it estimates online Thanksgiving sales topped $1 billion for the first time [...] comScore data highlighted the importance of online, noting that season-to-date (beginning November 1), sales are up 24%, with Thanksgiving day sales up 21% to $766 million and Black Friday sales up 15% to $1.198 billion-just the second time the billion dollar level has been surpassed (note these growth figures try to adjust for calendar differences due to the late Thanksgiving). On Black Friday, a total of 66 million consumers shopped online, up 16% compared with last year. The top five properties in order were Amazon, eBay (not in the top-5 last year), Walmart, Best Buy, and Target. eBay got one upgrade today, fromSunTrust Robinson HumphreysRob Peck, who raised his rating to Buy from Neutral, and raised his price target two bucks to $61, writign that the 1% decline in the shares this year, as of this morning, had created a much better risk/reward entry point for investors. Peck points out that when he started coverage in July, he acknowledged the company had done a phenomenal job of executing on its major initiatives, but that the companys own forecast for its goals through 2015 set the company up for a rather challenging time. With the underperformance of the shares, he thinks the stock now adequately reflects those challenges: Consensus estimates are now at the low end of 2015guidance that the company laid out in its 2013 analyst day Investors expectations now morecompletely incorporate the challenges in growth for the Marketplaces and Payments businesses;and 2) The near term holiday ecommerce data out of Channel Advisor suggests the company ishaving a strong holiday season, setting up a good Q4 which refutes the concerns of a weakholiday quarter based on a cautious tone from management on the 3Q earnings conference call.
For the original version including any supplementary images or video, visit http://blogs.barrons.com/techtraderdaily/2013/12/02/ebay-best-buy-gain-on-billion-dollar-online-selling-days/

Online sales soar in Black Friday two-day shopping frenzy

Industry analyst ShopperTrak reported a modest 2.3% increase in spending on Thursday and Friday. But it said that spending at brick and mortar stores on Black Friday fell sharply compared to a year ago, as the consumers took advantage of Thanksgiving day openings. "It's spreading the jam a bit thinner over a larger piece of bread," said Bill Martin, president of ShopperTrak, about the impact of the extra day of shopping. The hope had been that a number of improvements in the economy, including record stock prices, a rebound in home values and car sales and some improvement in the unemployment rate, would result in stronger sales at the start of what will be a very short holiday shopping season. But some of the spending on cars and new homes this past year may have actually cut into holiday sales as it trimmed the amount of discretionary dollars that consumers had to spend on Christmas, according to Mathew Shay, president and CEO of the NRF. "We have this economy that can't walk [and] chew gum at the same time," he said.
For the original version including any supplementary images or video, visit http://money.cnn.com/2013/12/01/news/black-friday-weekend-sales/index.html

Similarly IBM found that mobile devices accounted for 21.8 percent of sales. According to Adobe, of the $3 billion in total online sales over the two days, $417 million was done on iPads and $126 million was done on iPhones, while Android phones were used to buy $106 million in purchases and Android tablets accounted for $42 million. IBM said tablets were used for 14.4 percent of online sales, against 7.2 percent on smartphones. On average, tablet users each spent $132.75 and smartphone users spent $115.63.
For the original version including any supplementary images or video, visit http://news.yahoo.com/online-sales-soar-black-friday-two-day-shopping-113233796.html

Online Holiday Shopping Rises, Still Trails Other Venues

The online marketplace could stand in for a broker, allowing the business owner to easily compare the plans they could offer employees on their own. With this new delay, small businesses will likely see little change in the way they purchase health insurance until 2015. They will, however, need to purchase one of the plans sold on the SHOP marketplace, through a broker, if they want to access a health law tax credit available to employers with fewer than 25 employees. That tax credit first became available in 2010 regardless of where a company purchased coverage.
For the original version including any supplementary images or video, visit http://www.washingtonpost.com/blogs/wonkblog/wp/2013/11/27/obamacares-online-exchange-for-small-businesses-is-delayed-by-one-year/

Online shopping sales seen jumping 15%

25, 2013, 4:55 p.m. EST Online shopping sales seen jumping 15% Rapid growth of smartphones, tablets lead to growing role of mobile in online shopping Want to see how this story relates to your watchlist? Just add items to create a watchlist now: Add By Benjamin Pimentel , MarketWatch SAN FRANCISCO (MarketWatch) Online sales in this years holiday shopping season are expected to grow 15% from last year, propelled by the expanding role of smartphones and tablets in the spending habits of consumers, a report said Monday. Online holiday sales in the U.S. are projected to reach $78.7 billion in November and December, up 15% from 2012, Forrester Research said in a report.
For the original version including any supplementary images or video, visit http://www.marketwatch.com/story/online-shopping-sales-seen-jumping-15-2013-11-25

For results based on the total sample of national adults, the margin of sampling error is 4 percentage points at the 95% confidence level. Interviews are conducted with respondents on landline telephones and cellular phones, with interviews conducted in Spanish for respondents who are primarily Spanish-speaking. Each sample of national adults includes a minimum quota of 50% cellphone respondents and 50% landline respondents, with additional minimum quotas by region. Landline and cell telephone numbers are selected using random-digit-dial methods. Landline respondents are chosen at random within each household on the basis of which member had the most recent birthday.
For the original version including any supplementary images or video, visit http://www.gallup.com/poll/166040/online-holiday-shopping-rises-trails-venues.aspx

The Viennese Christmas Market by City Hall runs November 17 to December 24. Rathausplatz, 1010 Vienna; Sunday-Thursday 10 a.m.-9:30 p.m., Friday-Saturday 10 a.m.-10 p.m., December 24 10 a.m.-5 p.m. 7. Buenos Aires Getting around: 6 Value: 8 Variety: 6 Experience: 7 Total: 27 Sexy Argentine dance moves + sexy Argentine climate = sexy Argentine shopping. Yes, the formula sort of sometimes works like that, especially when you're stalking high-quality leather at affordable prices. Established in Buenos Aires in 1952, Mocasines Guido sells leather shoes for men; today there are three locations in Buenos Aires.
For the original version including any supplementary images or video, visit http://www.cnn.com/2013/11/18/travel/worlds-best-shopping-cities/index.html

Shopping apps are not one size fits all

Jennifer Jolly, Special for USA TODAY 10:03 a.m. EST November 23, 2013 How much you spend on gifts this year could very well depend on the shopping apps you use. Jennifer Jolly (Photo: Roddy Blelloch, for USA TODAY) Story Highlights eBates offers flat cash-back rates at many popular stores Into coupons? Try Yowza Favado scans for coupons to cut your holiday grocery bill down to size SHARE 32 CONNECT 42 TWEET 1 COMMENTEMAILMORE Want to score huge deals this Black Friday and Cyber Monday?
For the original version including any supplementary images or video, visit http://www.usatoday.com/story/tech/columnist/2013/11/23/shopping-apps-black-friday-cyber-monday/3635697/

So it prefills your new forms online; you need to take a printout, sign them and courier them back to I-CAN. If you make changes on your own, without the sellers advice, there are checks and balances here as well. For instance, Smart Solutions doesnt allow you to withdraw from any of its schemes as per your whims. If you wish to withdraw, it gives you money from all of your schemes proportionately based on an internal complex matrix it has worked out to ensure that your asset allocation doesnt get disturbed. I-CAN allows you to withdraw from individual schemes that are a part of the package, but it prompts you to re-define your goals with a fresh tenure and suggests you any modifications.
For the original version including any supplementary images or video, visit http://www.hindustantimes.com/business-news/should-you-buy-online-mutual-fund-bundles/article1-1151866.aspx

"But when I opened the packages, I found that I was cheated. The PCIe card was broken. And the Logitech keyboard wasn't new. It was one-year-old and had no warranty. I never had such bad experience with Flipkart earlier." Flipkart has built its reputation on fast delivery and clean consumer-friendly service.
For the original version including any supplementary images or video, visit http://timesofindia.indiatimes.com/tech/tech-news/internet/Shopping-online-Be-careful-with-third-party-sellers/articleshow/25680443.cms

Who are online vs. in-store shoppers? You may be surprised

Why? The pure sport of it, according to the consulting and research firm Accenture, which polled Americans to find out their plans for shopping on Thanksgiving. A full 58 percent of 18- to 24-year-olds polled in Accentures September survey said they plan to shop in a physical store on Thanksgiving, and a third of them said its about being part of the excitement. By contrast, its their parents who appear to be the ones planning to park on the couch in their pajamas and shop online Thanksgiving morning, with just 4 percent saying the sport of going to the stores in the rush was the primary appeal. Overall, Thanksgiving morning is quickly taking over for Black Friday as the official starting gun for the holiday shopping rush. Consumers voted with their feet on the subject of Thanksgiving Day shopping in 2012 and we expect to see even more stores throwing the doors open before midnight on Thanksgiving Day this year, said Chris Donnelly, global managing director of Accentures Retail practice. Like many forward-looking surveys that try to gauge peoples intentions and plans, the real proof will come in the weeks after the holiday shopping period, when both stores and consumers start to tally their profits and credit card bills.
For the original version including any supplementary images or video, visit http://tbo.com/news/business/who-are-online-vs-instore-shoppers-you-may-be-surprised-20131112/

Online shopping on the rise in Canada: Ebates.ca releases Canadian online shopping trends in time for Black Friday

Down Coulson gives these tips to holiday shoppers: Shop from the comfort of your home on Black Friday and Cyber Monday: It's no longer necessary to cross the border to find deals on Black Friday and Cyber Monday as many retailers offer the same or comparable deals online. Maximize your shopping budget: Use online coupons, promotion codes and a cash back shopping website to help you save even more. For example, shop through Ebates.ca on Black Friday and Cyber Monday to take advantage of double cash back offers from over 200 stores. "Our research shows that the vast majority of Canadians who shop online find cash back shopping appealing and this thinking has translated into consumer shopping behaviour, propelling Ebates.ca's growth in Canada," says Down Coulson. "We look forward to providing our members more of what they're looking for - great deals and cash back on their favourite items." About the Ebates.ca survey: Ebates Canada commissioned Ignite Research to conduct an online survey of 1,000 Canadians across the country. Responses were collected from July 12 to 18, 2013.
For the original version including any supplementary images or video, visit http://finance.yahoo.com/news/online-shopping-rise-canada-ebates-133000083.html

JPMorgan consumer bank ahead of plan on job cuts, expenses: executive

employees help shoppers with the new iPad Air at the Apple store in New York City. (Craig Warga / Bloomberg / November 1, 2013) Related By Jim Puzzanghera 9:48 a.m. CST, November 8, 2013 WASHINGTON -- Consumer confidence fell this month to its lowest level in nearly two years, surprising analysts who expected a rebound from the recent shutdown-induced downturn in American's view of the economy. The preliminary consumer sentiment index for November from the University of Michigan and Thomson Reuters dropped to 72 from 73.2 at the end of October. Analysts had expected the index to rise to 75 after it had plunged in October.
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JPMorgan is increasingly using electronic tools, such as mobile deposits, online accounts and advanced teller machines, to handle basic consumer transactions and reduce the need for staff in its 5,652 branches, said Gordon Smith, chief executive of the company's Chase Consumer & Community Banking unit, which accounts for roughly half of JPMorgan's revenue and profit. Smith, speaking at a conference of institutional investors in Boston, said the company also will have reduced 11,000 positions from its mortgage operations by year-end, compared with its plan to bring down headcount by 13,000 to 15,000 by the end of 2014. Smith's entire unit, which includes branches, mortgage lending and credit cards, employed 156,000 people at the end of September. JPMorgan, like other banks, is under increased pressure from investors to cut expenses because revenue is down due to low interest rates, weak loan demand and tighter regulations on fees. The need for mortgage staff has fallen sharply with this year's drop in refinancing and with workouts of loans that went bad when house prices fell a few years ago.
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You read that right: Eight hundred smackeroos . That was even more expensive than an off-contract iPhone 5S of a similar capacity (for T-Mobile only, of course), which clocks in at a somewhat-significantly lower $650. Thankfully, it appears as if Best Buy was the victim of a pretty unfortunate typo, as the retailer has since corrected its online store to indicate that the off-contract version of the phone is selling for a brisk $450 a $350 savings from that which was previously reported. However, Best Buy's pricing is still a bit higher than what Google is offering for a non-contract phone through its very own Google Play store. Yes, you can order Google's phone directly from Google itself fancy the thought for a price that's cheaper than what you're apparently going to find in the ol' brick-and-mortar. Cough up a mere $350 to the search giant and the Nexus 5 is yours, with no contract necessary.
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How to buy a suit online

"Jos. A. Bank is more generous around the hips, while Banana Republic is pushing design a bit around the hips." Figuring out which styles and cuts work for you may take some trial and error shopping, but once you find a brand that works, stick with it. Lubarsky also advises sticking to solid-color suits rather than complex patterns since the latter can be hard to accurately evaluate on a computer screen.
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Would You Buy Art Online?

As the report finds, new online transaction platforms add liquidity to the art market and will broaden the scope and depth of art market data available, which in turn will improve transparency and facilitate more accurate art valuations. In fact, there are other benefits. Since sites selling art online areunencumbered by the physical infrastructure of the traditional gallery or auction house, they can also make their commissions lower and the whole business of buying art much cheaper and more accessible. Buyers candiscover new art and potentially build a whole collection from the comfort of their own homes, not theoccasionally intimidating setting of a gallery. In the highly fragmented art market, bringing art and art buyers together wherever they are in the world is no bad thing either. But that will only work if buyers are prepared tosacrifice the one thing that iscentral to the way that people traditionally buy art- the chance to see it and experience it in the flesh first. Thats something that many people will be reluctant to do, particularly with big-ticket purchases.
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Best Buy Updates Decade-Old Site to Double Online Sales

online consumer-electronics sales to 18 percent -- matching its share of brick-and-mortar sales -- from the current 7 percent. There is no reason it should be lower, Joly said in a telephone interview in August. Bringing BestBuy.com up to speed with competitors is going to be a two- or three-year journey. About a month after becoming CEO, he hired Scott Durchslag from online travel company Expedia Inc. as president of Best Buys global e-commerce operations. Jolys Hires A month later, Joly brought Sharon McCollam out of retirement to become Best Buys chief financial officer and chief administrative officer.
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Potentially dangerous game The main reason for prohibiting the use of credit cards is that compulsive gamblers could accumulate unmanageable debt. Credit counselors warn that this is primarily an issue for people with poor financial self-control. "Playing the lottery with plastic is only a bad idea if the person allows their spending to get out of control," says Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling. "Credit is not the problem.It's the irresponsible use of credit that can lead to financial ruin. Overspending on anything, including lottery tickets, is a symptom of a deeper financial issue that needs resolving." Politics also play a part in the decision to ban credit card sales of lottery tickets. "The laws that forbid credit card use are generally added as a concession to lawmakers who oppose a lottery bill, but will agree to vote for it with these kinds of safety provisions," wrote Chuck Strutt, executive director of the Multi-State Lottery Association, in an emailed response to questions.
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Best Buy Stores to Open Early for PlayStation, Xbox Sales

(MSFT) s Xbox One goes on sale Nov. 22. Best Buy is trying to reverse a slide in entertainment sales caused in part by aging gaming systems and competition from Amazon.com Inc. (AMZN) and Wal-Mart Stores Inc.
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Kate Goes Shopping ? Dressed Down!

Now as a mom, I look at the shopping cart quite differently. I look at a trip to the supermarket from a new perspective entirely. It is not so much about the children shivering through the two frozen food aisles or the occasional wailing outburst. It is not about the few snarky shoppers with their unkind comments about kids. It isn't even about the sad fact that I sometimes resort to shaking down the deli guy for three slices of white American to bribe my brood to make it to the checkout peacefully.
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Store employees were informed of Kate's arrival around noon before she came in and shopped around the store, scooping up some platters with tropical birds on them. One shop associate said she heard the Duchess bought them as gifts. "She didn't look like the magazine pictures, you know, without her makeup or anything," said another associate, who declined to be identified. "She came in, shopped around, paid and left." The oval serving dishes, which come decorated with either cockatoos or parrots , retail for about $48 each. Can't get enough about the royal baby? Be among the first to know the news!
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