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1. AmazonAmazon, based in the United States and one of the largest online retailers in the world, offers, other than various other categories such as books, electronics, home décor, bags and luggage, jewellery, etc., clothing and accessories to its customers. Products within this category have been segmented according to gender, such as men’s and women’s clothing and shoes; according to brands, such as Arrow, Chemistry, Manyavar, or United Colours of Benetton; according to type, such as tshirts and tops, ethnic wear, pants and trousers, or lingerie and innerwear; or even according to stores, such as of that belonging to a specific designer, and so on. The site offers a 30 day return on its all its products within this category with ‘no questions asked’.2. FlipkartFounded in 2007 by Sachin and Binny Bansal, Flipkart is an online megastore based in Bangalore, Karnataka. Other than the basic categories such as electronics, home and furniture, books and media, etc., the portal offers two separate categories namely ‘men’, ‘women’, and ‘baby and kids’, which comprise all kinds of fashion products such as footwear, clothing, watches, accessories, bags and wallets, sunglasses, fragrances, and options in grooming and wellness merchandise. Flipkart also hosts a blog of the name ‘Flipkart Fashion Files’ where various authors contribute articles on global fashion news, trends, daily tips, and so on.3. SnapdealBased in New Delhi and founded in 2010, Snapdeal is an online retailer that offers products in various categories ranging from Mobiles and tablets, electronics, to daily needs, sports and outdoors, or even real estate and financing. Within the fashion category, their merchandise is segmented into men’s, women’s, and kid’s fashion, which are further divided according to type of clothing or type of fashion product. Snapdeal offers a variety of options within each fashion segment for both men and women, such as Ethnic wear, which consists of sarees& more, anarkalis, dress material, stitched and semi stitched salwarkurtas, salwars and churidars, and so on.4. PayTMLaunched in 2010, Paytm is one of the newest online platforms to be competing with global giants such as Amazon and eBay, and it has already been touted as a potential e-commerce giant, inviting large investments from major financiers. The firm began with providing services such as mobile recharging, bill payment, travel bookings, and later expanded to offer products within various categories such as home and kitchen, gifts and sweets, sutomative, electronics, and so on. In the fashion category, the firm offers men’s, women’s and kid’s products, and comprises different segments like types of clothing like ethnic wear, types of accessories like watches or footwear, or types of products such as eyewear or luggage, etc.5. eBayeBay is an e-commerce giant based in the United States, which facilitates sales between both ‘consumers and businesses’, and ‘two businesses’. Founded in 1995 and one of the very few online retailers to survive the ‘dot-com’ bubble of the late 90′s and early 21st century, eBay offers great deals in all kinds of categories such as mobiles and accessories, laptops and tablets, cameras, etc. Within the fashion segment, it provides products in women’s and men’s clothing, shoes, jewellery, baby and mom’s, t-shirts, and bags and luggage.6. JabongBased in Gurgaon and founded in 2012, Jabong is an e-commerce platform that essentially offers fashion products in a range of categories like apparel, fashion accessories, beauty products, fragrances, home décor, etc. Since it is fundamentally a fashion portal, it offers a great variety of options for women, men, kids, in accessories, brands, sports, and so on, while additionally providing a separate section for sales, trending outfits, and even a fashion blog called ‘The Juice’. It provides its customers with options that range from local brands and designers like RohitBal to high street fashion brands such as Dorothy Perkins, Wendell Rodricks, etc. Jabong has partnered with different agencies to facilitate its position as a leading fashion portal, such as the NBA in 2014 to launch the first online NBA store in India, or the Lakme Fashion week for the coming 4 seasons, and even launched an online fashion week in the year 2014, that featured celebrity mentors like YamiGautam.7. MyntraBased in Bangalore, Karnataka, Myntra was founded in 2007 with an initial concept of providing personalized gift items that later shifted to offering branded fashion products. Officially merging with Flipkart in 2014 to compete with other e-commerce giants, Myntra moved to an app only business model to offer its customers a more focussed and service-centric experience. On the app itself, it offers all kinds of fashion options for men, women, and kids, and features a home page that announces sales, arrival of new items, or any such information.8. Fashion and YouFounded in 2010, Fashion and You is an e-retailer that deals primarily with premium fashion brands and lifestyle products, and offers exclusive, mega discounts on most of its products. It claims to be associated with more than 1500 Indian brands and in excess of 200 brands, globally, and aims to be the topmost style destination for all fashion enthusiasts. It offers high street fashion and lifestyle brands across clothing, accessories, cosmetics, jewellery, fragrances, footwear, and so on.9. YebhiLaunched in 2009, Yebhi is an Indian, online shopping and services portal for lifestyle and fashion products. It offers categories like shoes, apparel, mobiles and tablets, eye wear, furnishing, etc.10. KoovsHeadquartered in Gurgaon and founded in 2010, Koovs is an online fashion retailer that offers menswear, womenswear, jewellery, cosmetics, and so on. It provides its customers with a separate section that deals exclusively with new discounts, trending lifestyles, and also features collaborations between fashion giants and designers.

There are many methods to credit repair and if you have poor credit scores then you should consider restoring your credit. You will enjoy an increase in your financial freedom when you take steps toward bad credit repair.Bad credit can be detrimental to your financial well being. You might have constant phone calls to your home from bill collectors and the battle may seem impossible. You might make less money than you can financially afford to pay toward your monthly bills. This is called being “upside down in your bills”. It is possible to get on the path toward credit repair even though it might seem impossible.You might have bad credit for many reasons. You could have medical bills, credit card bills, and many more bills that are overwhelmingly high. No matter what the reason is, when your credit scores are low it is viewed a number of ways. First, your debt to income is reviewed. Creditors look at the amount of money you OWE on your credit versus the amount of money that you MAKE. Also, if you have many debts that are small amounts unpaid, this looks very bad too. However, the biggest way a company looks at your credit score is that it shows you don’t pay your bills. This means you cannot be trusted with paying back a credit or a loan. The better your credit score is then the more a business will trust you with paying back the loan.When you have bad credit it is next to near impossible to get a loan for anything. You won’t be able to get credit cards, buy a home, a car, or get credit for anything you might need. In most cases, if someone does extend you a line of credit then your interest rate is very high. When you are given a high interest rate then you are almost paying double for the initial line of credit.When you make the decision to repair your credit with a ‘repair my credit toolkit’ then you are taking the first step to a better financial situation. Remember, bad credit means higher interest rates. It also means when you have a financial emergency, you can qualify for a line of credit to help you make it through your problems. You have the financial freedom to buy things like boats, cars, and more. You also have a better interest rate on your line of credit.Through our credit repair tutorials you will find that the first thing you need to do to take a step toward free credit repair is to get a copy of each of your credit reports. There are three primary credit reporting agencies. These companies are Equifax, TransUnion, and Experian. You are entitled to one free report from each of these agencies a year. You should compare the three reports and write down all of your debts that appear to be damaging to your credit.When you begin your credit score repair the quickest way to get started is to highlight all of the small amounts that you can afford to pay. If you have any amounts that are less than $100 on your report then you should pay them immediately. These look the worst on your credit. If you think you can repair your credit on your own then you can. You should start with the smaller amounts first. You should call one creditor at a time. Call each of the creditors and ask them for the payoff amount. Most creditors who show negative on your credit will be happy to get anything. Most of your creditors will accept a deal to pay 60% of the debt owed rather than the full amount. If they accept a deal with you then you should have this agreement faxed to you. You should also demand a receipt for payment and attach to the agreement.Once you pay on a debt on your credit report it may take up to 60 days to reflect on your credit report as being paid. Keep in mind that although you pay a debt off on your report, it will remain on your report.If you need credit repair help because your debt and bills seem too overwhelming for you to handle then you can find many places that offer free credit repair. You should be cautious about people you use to help you repair your credit because there are a lot of fraudsters out there who will make promises they cannot keep.
The most important thing is that companies who offer to repair bad credit for free should never charge you for anything up front. They might offer services that do have fees in addition to repairing your credit. These fees might include the cost of copies being made and other things. However, you should not agree to any fees if a company tries to charge you for repairing your credit.Another thing people forget is that when they go in to ‘restore my credit’ businesses they might hear that debts can be erased from a credit report. Many people who are dishonestly trying to provide services to people with bad credit will make promises like this. No one can erase negative information. The only type of information that can be removed from a credit report is information that is incorrect. If there is a debt on your credit report that is not valid and that you do not owe then this is the only thing that can be erased. Information that is accurate will remain on your credit report for 7 years from the date the debt is recorded. A bankruptcy will also remain on your credit report for ten years. If you had bills like credit cards and you fell behind on them for a month or two and then caught back up on them, this too will reflect on your credit report. Falling behind on your bills can remain on your credit report for up to seven years, even if you have been caught up for a year.A credit repair company helps many people with bad credit report repair issues. Most of the companies will sit down with you and total all of your debts. They will offer you consolidation services to help you pay back your debts. Consolidation of your debts is often the best solution if you are paying a bill here and a bill there. It is easy to lose track of which bill to pay this month or next month and a credit repair company can help you get back on track financially.A credit repair company will use credit repair software to help you organize your debts. You will work with a consultant who will go over all of your bills and your current income. It is important to remember that your most important bills are the bills of necessity for living. These are your rent, electricity, water, trash, and food. Any other bills you are used to paying will be set aside with your debt and not listed as living expenses.The company will also help you look at your spending habits. You might be used to shopping online or eating out at a restaurant every day during the work week. Your spending habits will be assessed and stopped. You can save a lot of money by taking lunch to work with you or by going home for lunch instead of eating out.Once the company has assessed your bills, your income, and your spending habits they will figure out how much additional income you can afford for a monthly payment toward your debt each month. The great thing about this is that when a company consolidates your debt for you, then you make only one monthly payment toward your debt. The company will disburse your monthly payment among your creditors accordingly.If there are things on your credit report that are not accurate the company will help you prepare a credit repair letter to the reporting agencies to dispute things on your credit. They will help you every step of the way work toward getting your credit back on track.When you make a decision for bad credit report repair and to go with a company then you will receive a detailed written contract. By law, if you go through a company that is for profit, nonprofit, banks, credit unions, and creditors, you are allowed three days to back out of the written agreement. They must give you a full explanation of all of your legal rights. In addition, they cannot demand any form of payment until all promises have been kept by the company. If the company is demanding money up front then you should go with a company who is not in it for the money. Remember, there are many nonprofit governmental agencies designed to help people get their credit back on track.There are many things you should be aware of when you are thinking about credit repair. If you receive an email about credit repair then you should be leery. Be sure to research the company and confirm they can really help you. Most emails sent out about credit repair are commonly fraudulent and dishonest. Just remember never to pay any money up front for your credit help.
Another thing you should keep in mind is that some fraudulent companies tell consumers that they can help them create a second credit file. They might offer a new social security or tax identification number. Not only does this promise not work but it is considered illegal. The term for a promise like this is called ‘file segregation’. No one can give you a new social security number but the Social Security Administration office. There are very rare instances of new numbers being given out in situations of witness protection programs with the government, and serious cases of an identity being stolen. Remember that what you feel to be serious and what they consider serious are very different. There are also thousands of identity thefts that occur on a daily basis. This also has caused the Social Security Administration to consider these issues even less today. If a credit repair company makes a promise to you that sounds too good to be true then it probably is.Many people say “I want to restore my own credit.” You can. The first thing you should do if you have credit problems is get counseling. You can call your local Consumer Credit Counseling Service (CCCS). They can give you advice on how you can build your credit record back to something acceptable. They can also help you find an agency that can help you if they cannot and you can trust the information you receive from them. The CCCS can help you make payment plans with bills you have fallen behind on. The services offered through the CCCS are usually free but if they do charge you then they are at a very low cost. If you need to find the nearest CCCS office so you can get started on your credit repair, then you can call toll-free 1-800-388-2227.When you make a decision to repair your bad credit you are taking the first step toward your financial freedom. You can repair your credit on your own or you can seek credit counseling from a credit repair firm. This is usually the best option for people who are upside down in their bills and the phone will not stop ringing from creditors. A company can help you prioritize your monthly bills. They can also give you the benefit of one easy monthly payment that will be applied to all of your debts. You won’t have to worry about your creditors anymore because they will take care of everything for you.When you repair your bad credit then you can have the financial freedom to have credit extended to you for those things you really want or that house you have been working so hard to qualify for. Don’t let your bad credit be a detriment to your financial freedom with poor interest rates and denials anymore. You can get back on track with a positive credit score.

Social investing has received a lot of interest in recent years – especially following the financial crisis. Most people, however, are left wondering: What is social investing? Let’s answer this question.To understand what social investing is, we must first consider how traditional investors look at the world. In traditional investing, investors weigh investment decisions by looking at two broad factors – risk and financial return.Risk, Return – and Social ImpactEach investor has a certain comfort level across the risk-return spectrum, and he or she does their investing within that band of the spectrum. An investor might be comfortable giving up some of their return if an investment is safer. On the other hand, the same investor might be willing take a little more risk with an investment if it translates into a higher return.In social investing, a third factor is thrown into consideration – social impact. Social impact means that the enterprise supported by the investment yields some benefit to society beyond the income it generates for investors. Conversely, an enterprise can also have some negative impact on society, and a social investor will also take this into consideration when making investments.Just as traditional investors are willing to make a trade off between risk and return, social investors are willing to make a trade off between risk, return and social impact. If an enterprise is doing something that’s improving the environment, for example, a social investor may be willing to give up some financial return or assume greater risk on that investment depending on his or her individual comfort level.In short, social investing can be defined as considering the social impact of an enterprise when making investment decisions. By this standard, a number of investment approaches fall under the umbrella of social investing: mission investing, responsible investing, double-bottom-line investing, triple-bottom-line investing, ethical investing, sustainable investing and green investing.Social ScreeningWithin the universe of social investing, there are two broad categories: social screening and impact investing. In the social screening methodology, an investor comes up with a list of social standards that he or she wants his or her investments to meet.The investor eliminates any company that does not meet these standards and then invests in the “socially responsible” companies that do meet the standards in a way that meets the investors risk and return objectives.A number of socially responsible mutual funds have emerged that use such an approach. They adopt a social screening methodology, define a large basket of investments that adhere to those standards and then have their management company invest within that basket to meet the financial objectives of the mutual fund.Impact InvestingThe second broad category of social investing is known as impact investing or, sometimes, community investing. In impact investing, rather than investing in companies that do no harm, investments are made in companies that do social good.Enterprises that fall under the impact investment heading perform services that have a charitable or social purpose but also have a business model that can generate income and support a financial investment. They straddle both the charity and business worlds.Impact investment enterprises might be structured as non-profit or for-profit companies but rarely do they take the form of the large public companies listed in the capital markets. As a result, making an impact investment is more difficult and usually takes the form of a private investment in the form of a note or loan.Impact Investment SectorsSo what exactly are these impact investment enterprises? To get a better sense, let’s look at some of the sectors that qualify as impact investments.Affordable housing is one sector familiar to most people. Most people support an organization like Habitat for Humanity by making donations, but a foundation, for example, might support them by providing a low interest loan to fund the organization’s projects.Microfinance is another impact investment sector. A microfinance institution makes small loans to entrepreneurial people in developing countries to give them the opportunity to start or grow their own business and lift themselves out of poverty. A microfinance institution works similar to a bank, so it is able to generate income and support investors.There are many other similar sectors that generate income and have a social mission at their core: fair trade, community development organizations, social enterprises, etc. In each sector, companies can often find investors who are willing to give up some financial return or take on a bit more risk because of the social impact that these organizations have.