Online Shopping – loss or profit
This is possible now to shop your required products through a single click online. e-shopping has certain benefits as well as some drawback therefore; this is a tricky transaction to deal with total care. You should know about every aspect of the same by going a little deeper in to this facility.

To avail the maximum advantage of online shopping you should know about the product you are willing to purchase online, its availability whether this is available ready stock or a waiting list is there, delivery period etc. This would save you from frustration once you place the order and keep on waiting to know in the end that the product you ordered has a month’s delivery schedule.

Discounts- Are they real
Availability, quality and discounts are the main factors in online shopping. One should know about these discounts before clicking an order through different sources, which are available on different sites and local market. Some times same products are available on lower prices on a different site therefore, you must search on a few other similar sites before placing your order finally. Some shopping sites make them look too attractive and alluring to resist the temptation that proves costly in the end.

Quality and value
Make sure before placing the order that you are getting your required item from the fresh stock and this is not a part of stock clearing sale or unsold leftovers. Moreover, this is wise to see the real value of the product and its quality offered before being click happy. Go for minor details of the product in question especially dresses or footwear, go in detail of the fabric, style, size and the credibility of the manufacturer before placing the order. Therefore, quality and discounts are two main factors along with discounts, which you should be very careful before taking your final decision.

Other points to look at
There are a certain points, which you should keep in your mind before you finalize a deal-
• Payment mode – Online payment mode is one big problem for online shoppers, one must be sure about its security. The payment should be through either credit card or COD.
• Check sample thoroughly with every single detail available on site more so if the item you are going for is a costly item. You should know every single detail about it to be sure.
• Customer care- This is better to contact customer care with a verbal conversation through the phone numbers provided on the shopping site to go for the detailed information of the product you are willing to purchase. You can ask about every terms, conditions, quality, guarantee, policies and warrantee to avoid complications at a later stage.
• Delivery charges- You should know in advance about the delivery charges schedule, as some companies do not mention this in their price list and when you have decided and made up your mind, they add up it in their bill. You should also know whether this is applicable in case of replacement or return of item as well.
• Delivery schedule- This is another crucial point that should be very clear because that is frustrating if you want product immediately and they have a waiting period or a long queue.
• You should know in advance if they charge any amount if you want to cancel your order.
• This is advisable to go for a product for the company concerned has a local service center.
• Whether or not they issue a guarantee or warrantee on the product, how would you avail it?
• Keep a print copy of your order for your future reference.
• You should know their exchange policy in detail in case of a faulty product including details of period allowed for doing so. Every company goes according to its own policies so this is better to be aware of them in detail.

Go for reliable companies only
This is wise to be very careful before finally closing a deal clicking buy button because once you have made-up your mind and placed an order most of the companies do not want to cancel the order once grabbed. This is more difficult in cases of cash back because orders through COD are easier to cancel since you have not paid yet. In addition, this is wiser to deal with established companies because the care for their own reputation and to keep it intact these companies are more cautious and reliable. Be careful to not to deal with companies who would make you spend more than what you shall get back on phones asking them to return your money.

Save for your better future
Our elders used to say that we should save more than fifty percent of our income for our future. That is not practical today due to cost of living and increasing inflation however saving up to 20-25% is wise especially while you are in private sector. The best way to do this is to make a plan and budget your expenses well within your earning and priorities. There are some time-tested ways those will keep your expenses down and savings according to your future needs.

I am sure you are not one of them who go broke by twentieth of every month due to your costly and unnecessary purchasing habits. This is not that big a problem to manage savings despite all the temptations. You can save enough money out of your income if you only try to spend with a planned budget and intelligently although it needs lot of commitment and determination. Look at your expenses, life style and way you spend, take some strict steps to cut down on some unnecessary expenditure.

Planned or unplanned
You have a fixed monthly income to meet your requirements and save out of it. Therefore, you have to make a perfect budget that will not only keep you expenses under control but unable you to save a fixed amount as well. You should understand that every one spends money according to his different needs, some of them are fixed and some keep on changing according to need. Likewise habits of spending also depend from person to person some of us are who spend with caution while some of us spend on temptations and money available in pocket or credit card. You cannot cut down on essential expenses but you certainly curve down the other type with a little bit of self-control.  savee up to 40% 

There are some small but sure ways; those may come in handy if you are seriously planning to keep your budget under control. You cannot stop paying your electricity bills but you can sure reduce it. Try to replace your bigger energy consuming old-fashioned bulbs with CFL and switching off unnecessary fans and lights making your habit and see the result at the time of your next electric bill. This may look good and satisfy your ego by going to your office in a car but you can save a lot of money if you can avail the services of carpool or public transport system that would make a big difference. In addition, to add to benefits, this would be lot more eco-friendly as well. Just give it a thought before making any purchase- Do you really need it.

Sale will fail you
I am sure every one goes through some very catchy posters and display boards while passing through markets or advertisements in newspapers which read- 60%+30% discount on purchase of so and so amount, Discount for three days only, Get one free with purchase of two etc. However, have you ever thought about the logic behind such offers of sales? I know that is sales strategy planned very carefully being marketing professional, I know all about these. And to make things more funny you may find a different display with –buy 2 get 2 in place of buy 2 get 1 free after three days when the sale was to end. Never get tempted by such offers, as they are not the real offers. Always keep a list ready of your essential items and buy strictly by that.
Expensive partner

Have you tried a piggy bank?
Sounds funny? In fact, this is a good way for saving good amount at the end of a month. You only have to keep your loose coins and smaller bank notes into the piggybank while going out of you home in the morning. That makes a big amount in the end and comes in handy while you have an emergency. I once counted those coins way back and was amused to see that they counted almost three thousands plus in shape of coins worth 1, 2 and 5 rupees. Avoid having cash in hand more than your requirement.

Are you ashamed of haggling?
You are loosing a lot if you are not used to haggling as some of the shopkeepers are in habit of keeping their prices up by up to 300% in some cases. Yes we conducted a survey a few years back that disclosed that lots of markets especially in smaller towns and crowded markets have the tendency of keeping prices up by up to 300% thinking that their customers would ask for lower rates even if they kept their rates right. This is truer in case of female customers as they never buy any thing without a good bargain. And trust me this is not applicable for small shops only but bigger stores, malls, broking houses and even at banks where they allow certain discounts if you have good relations. 

Dinner and lunch - skip some of them

Do you go out for dinner frequently?
Most of us do, but that has become part of our life style these days and we cannot avoid it. I am not sure about it this could be fine for once in a while but too often is not a done thing. This is one of those habits responsible for sending our budget out of control. This is not a bad habit for going out for dinner or lunch for smaller reasons is not good for your savings. You can see the difference on cutting some of them at the end of the month. Homemade food is not only good for your pocket but your health as well.

Maybe your partner is a little too expensive
Yes, that is possible because generally one of us is more expensive and loves to go out for shopping too often. Have you ever tried to take him or her in confidence and talked about it? Chances are that your partner is not aware of importance of savings for the time being. Still no result- go for a separate saving account, recurring deposit or FD without letting your partner know about it with your savings and once you have enough to show, let your partner know about it. I am sure this would be a big inspiration for your partner. While on the subject closed-ended mutual funds also are good option for saving purpose as you cannot withdraw before maturity therefore chances of savings are better.

Use me

Few more options to help you save
Avoid keeping cash more than you need it is one good way of spending lesser. Avoid going to ATM without serious need of cash and convert your saving account into fixed deposit account when your cash deposit goes up beyond a certain limit with special instruction to your bank. With many schemes, which make it automatically- you only have to instruct your bank about it. You can withdraw as well when you are in serious need of cash from such accounts without any problem through ATM also despite your balance showing not enough amounts available. You only have to insert your card again to make sure your need is real.

This relation is different
Yes, friends the relation between husband and wife is different from all other relations. This is the only relation where just two persons can possibly participate, understand and take care of each other unlike other relations where more than two persons are possible. As they, say the relation of mother or son or mother and daughter but in all such relations more than one son and daughters may exist. Therefore, the relation of husband and wife is the unique most relation. Now the question is weather you have some differences with your wife some times or your relations are always normal. Most of us would answer in yes but that is not true, all of us have a fight with each other however small or big.

The problem begins when the relations between a husband and wife become sour and they remain strained for longer time than we can afford them. Most of the husbands do not know a proper solution of this problem and keep thinking about a way out of this particular mind-blowing, head spinning. There are some simple solutions for such minor or major problems, which would not only keep you away from those strained moments but you shall also be able to enjoy full attention and love of your wife.

Try to keep tensions away
I am sure you know the reason of tension in between you and your wife because there is no one else who knows her better that yourself. The best way to keep her happy is to admit your mistake unconditionally if you are at the wrong end. I have done it on a few occasions even this was not me at most occasions who was entirely responsible for the tension in between my wife and me. There is no harm bending down a little some time because your wife is some one special for you and this is your duty to keep her happy. This is also part of the love for me. One cannot expect any one to be a perfect at every occasion so there is no harm if we came good at her expectations for a change. You know it very well that she always tries to make you happy and offers her apologies so you should also do it once for the sake of your companion's happiness.

The best way to please her is to know the reason of her displeasure or why is she not satisfied with any thing in particular. Once you know the reason of her anger, you would be in a better position to bring her back to terms. You can always do it with a lovely sentence specially designed for the purpose. I am hopeful that this should please her and she would be back to normal within no time. After all the tension, she is your wife who loves you and this all was a little misunderstanding nothing much. These relations are full of sentiments, which need some healing touches from time to time and such acts make them still sweeter.

Give it a right treatment- Play it cool
While you feel that, she is seriously annoyed and wants you to realize your mistake, grab the chance with both hands and step forward immediately- think positively and play it cool. This is your relation that is at stake and you have to keep it healthy and going. Never hesitate to accept your mistake that would help make relations stronger and balanced. You perhaps know the golden rule of a happy family that says if one of you unconditionally accepts the mistake; the chances of a broken family reduce immediately. Accepting your mistake never makes you small but help makes relations normal and long lasting. Try to make atmosphere normal with some light talk that helps bringing normalcy back. There are some golden rules to keep your wife happy and good mood.
- Never make complaints about your wife’s behavior to any one to keep dispute in between you two. Your relations would be back on track but talking about it may have a bad impact on your relations.
- Never ever, make conversation that would make you feel bad at a later stage.
- Keep you tone under control even if you are very upset.
- Never leave her alone while the relations are not that well.
- Never eat alone, that would force her to eat with you because women have a tendency to become soft on this issue sooner.
- Never try to blame her for every thing; you cannot clap with one hand.
- Never try to overplay the problem, this is better to play it down.
- Try to pacify her as soon as possible that would keep you and your family forever happy.

Marriage or matrimony is a social or legal contact between two families that create relationship.According to different cultures of society the defination of marriage is changing,but in the real sense if we are talking then it consists of traditional relationship that usually based on thinking of two person.This custom is also called a wedding ceremony.Wedding consists of marriage between two two person of opposite sex.In some culture marriage is fixed when child are very small.They have no idea about marriage.Marriage make the two family as one.Marriage is one of the beautiful gift of God given to human beings.Because every person wants partener to spend his/her whole life and marriage is the best way to get that partener.

There are two type of marriage found in our society are:-

i) Love Marriage.

ii) Arranged marriage.

First of all there is a custom of arranged marriage in which parents fix the girl for boy or boy for girl and after that marriage takes place.But now a day defination of arranged marriage is also changed.Now arranged marriage are mostly done in Asia.This type of marriage is carried forward from ancient period.In the modern world many thing has been changed and today in arranged marriage boy and girl talk to each other ,understand each other then only marriage takes place which is not happen previously.But there are some places in Asia where marriage is still fixed by parents and no one interfare in that matter so that’s why parents are called the gatekeepers of society.

Arranged Marriage

There are several pros and cons of arrange marriage.But before discussing about its benefit and drawback it is necessary to describe, what is arranged marriage? Arrange marriage are nothing just it is a decision of someone else except than two(boy or girl).This type of marriage is also called premarriage.This someone include parents,family members,priest etc.Sometime matrimonial sites also arrange for marriage but in that case there is some chance for boys or girl to know each other.

Positive impact of arrange marriage.

• In arrange marriage the first and the most powerful reason is that there is full support of parents from both sides.
• This type of marriage is done under the guidance of guardian and elders of family so there is less hope of conflict in both the family as well as boy and girl.
• Lots of confidence are built in parents mind as well as in boy and girl mind.
• The most important and the necessary thing that is trust and it increases due to the support of families.
• If they are doing love marriage then they can’t concentrate on their studies their goal etc.In that point of view arrange marriage is better because boy and girl leave the decision of marriage on to parents and they only concentrate on their studies and what they have to achieve in life.
• The last and the most important reason is that the next generation got the secure atmosphere under the guidance of his /her grand parents.

Negative impact of Arrange Marriage

As we see the positive impact of arrange marriage we always keep in mind that every thing has some positive and some negative impact.So we must aware of the drawbacks of arrange type of marriage.

• The first and the most important drawback is decision means the the most important decision of person’s life is takem by someone else.
• There is no contact between boy and girl and a result they are not able to understand each other feelings,commitment etc.No any kind of understanding relationship between boy and girl.Even they don’t know about their hobby,feeling,what he/she like.In other words you can say that they are unfamiliar to each other.
• The upper reason lead to collide in family and sometime it goes to divorce.May be the trust shown by family members will less day by day.Then relationship become stronger day by day and as a result divorce takes place.
• A small mistake of girl creates big issue and lots of tension increase between family members and this may cause the unwanted thing like divorce.
• This arrange marriage created the most critical issue for our society is dowry.If some money is shorted in marriage then they says thet marriage is not going to take place and this kind of activity spoils the life of girl.
• This arrange marriage became the biggest obstacle in getting an independent life.For every decision they have to be depend on their parents.If they yes then its ok otherwise boy and girs have to be agree with their parents.
• Parents involve in personal activity of boys and girls.
• This arrange marriage become the medium of spreading caste system and dowry sytem to society.
• If we are talking about society then arrange marriage stops the growth of our society.

As we know that every thing has some positive and negative impact.If you are deciding to do arrange marriage then you have to keep som decision of yours and the negative impacts,you try to ignore them as much as possible.You have to become responsible about your marriage.I am not telling that disrespect your parents but you have to keep the decision of marriage in your hand don’t leave it on others.It’s your life and you have right to do this.After seeing the girl/boy communicate with your parents that he/she is better for you or not.If both of you have same thinking then its o.k.Now days the most convenient and the safest way of searching your life partener is matrimonial site.If you find your choice in that site then you have some time to judge your partner.And this way you reduce the evil of society that is dowry.

If both of you are agree then check the horoscope and then this will give you time to know each other.There is a gap of 4-5 month in marriage because this provide a time to make coordination between boy and girl.And in this tme you confirm about boy/girl family background.This will increase the power of relationship.if you are aware of any wrong activity then first you judge whether that thing is right or wrong.If this thing is right then at right time you are aware of the fact otherwise it spoils the career of boy/girl.

Love marriage

If we are talking about love marriage then it is a combination of two individual on the basis of affection,mutual understanding and commitment. Love marriage is famous depending on the different cultures.

In love marriage the boy and the girl choose their life partner according to their choice.No one force in this matter.However it become the main part of the marriage and youngesters are free to do love marriage.It saves you to get marry from someone whom you don’t know.If you choose your partner right then it is a matter of pride and if you choose your partner wrong then you can’t put blame on your guardian.It completely based on the readiness of two lovers to choose each them as husband and wife.If you done true love and spend time with your love then whole life trust is built in between the husband and wife.

Negative impact of love marriage

• There will be collision between you and family if they want to do arrange marriage of you.If the girl belong to other caste then it become a big issue and lead to create bitterness in relationship.If marriage take place any how then the relationship between two family are not so strong as in arrange marriage .May be the next generation miss the love of grand parent’s.
• If you decide to marry to whom you love then sometime the situation create in which you have to choose one between Your parents and your love.If you choose your love then you have to leave your parents and if you choose your parents then you have to leave your love.
• As we know that more closeness in relationship lead to collision in relation and finally it lead to divorce .
• If you only love some one you can’t know everything about your partner.May be he/she is good when you are far away from each other and if they started living each other then you are aware of the habits of your partner and what he/she likes.May be what he/ she likes you not like the same then it lead to create problem in marriage life.
• In love marriage you are not free to do any thing.In other word you loose your independence and freelance of your life.
• If you do Love marriage then you have to spend lots of time with your life partner and leave you best friends otherwise she feel that you are doing any wrong activity.

Positive impact of love marriage

• In love marriage you take the most important decision of your life by your self.No one interfare in that matter.In other words you can say that what is right for your life you can choose it by yourself.
• Love marriage is important because you devotee your whole life to that partner who understand you well ,love you so much and always take care of you and in any need he/she always be there.
• If you do love marriage then you can share your day to day feeling with your partner which is not going to happen in arrange marriage because in it you need some time for understanding each other.
• You can easily save money by doing some small sacrifices which you and your love understand well.
• Iif you do love marriage then there will be less or no chance of divorce.In other words you can say that love marriage means long term relationship.
• The most important fact of love marriage is that you spent your valuable time with that person you love most in your life.And in thios way sharing become more precious.
• The most important and necessary fact about love marriage is that it remove the most big evil of our indian society is dowry system. Due to dowry system many girls have to loose their life in sake of some money only.Though love marriage it reduced to some extent and likely to me more reduced in coming future.Knowing someone before marriage provide lots of relief and respect for their partners.If we can’t someone and get married they we need extra time to understand each other and this cause collision in marriage system.But not all the sometime it lead to happier journey if marriage.In arrange marriage girls get comfortable and safer life .

And lastly I want to tell that whether your marriage is arrange marriage or love marriage it depends on you how you run your life.It only dependon you to prove your marriage a big success or a massive failure.