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    How to Get Started or Re-started in Your Mortgage Business
    Whether you're new to the mortgage business or been sitting on the sidelines for a while, this is a great time to get involved and jump-start your mortgage business.The U.S. housing market is still encouragingly active...thirty year interest rates although fluctuating are still below 7.00%...home equity interest rates have risen enough to force many folks to refinance and eliminate the higher rate line of credit...and, over 21 trillion dollars in adjustable-rate mortgages are ripe for conversion in the months ahead, to other mortgage products.Here's what you need to do:1. Make a list. Yes...you need to make a list of everyone you know. You've heard this before...the moneys in the list...and it's absolutely true. Make sure that you have their address, phone number, and email address if possible, plus and any other information you may have about them.2. Send a personal letter to each of them. Tell them that you are now in the mortgage business and you are r
    like the Web because they save money. Offering quantity discounts per product is a great way to increase the size of an order, while making your customer smile.

    Gift Certificates: If your products are gift-worthy, don’t make your customers choose what to buy. Offer gift certificates so they can send them to the gift recipient. Gift certificates should be easy to use, with a simple code entered upon checkout.

    Multiple Ship-To Addresses: This allows customers to shop once and have gifts sent to multiple people. By offering the ability to

    Dead Wood: High Value Antiques or Dangerous Rot?
    Every organization must reckon with ‘old-timers’: staff who have served many years but may be past their most productive prime.What should you do with these folks?Firing them seems a mercenary way to run a business. But keeping them on staff can demotivate and demoralize others, increasing your payroll without improving profits.A journalist recently asked me point-blank, ‘What should companies do with their “dead wood”?’My answer was a question; ‘Is the “dead wood” raw material for valuable antiques, or is it dangerous rot?’Many long-serving staff have a wealth of experience, customer knowledge and good ideas. They can be valuable in training new staff, contacting and caring for customers, spreading goodwill for the company through public relations or community outreach programs.Long-serving staff may not be able to master the latest technology or move at the current pace of change, but their knowledge and proven skills could still be harnes
    Often the simplest Web stores have the most success. But shoppers like special features depending upon the type of store you have, how you market and use them, and if you don’t overwhelm the shopper. Below I list as many features as I could think of, just to jog your creativity.

    Coupon Codes: This seems like a no-brainer, but sometimes shoppers who don’t have a coupon code feel cheated, like, “someone’s getting a discount, but not me.” You might want to consider labeling it, “Voucher Code,” or “Promotional Code,” or some other term which does not necessarily imply a discount.

    Continue Shopping Button in the Basket Screen: When a shopper at your store gets to their basket, do you give them the option to shop some more, or is your site pushing them to checkout immediately? Continue Shopping buttons should take them to the last product or category page, or, worst case, the store home page.

    Remember Me: Amazon does it, and people like it. Upon returning to the store, the shopper is greeted with, “Welcome Back, Bob Smith.” This could be enhanced with order histories, preference settings, recommended products based upon purchase history, etc.

    E-check Acceptance: The more payment options, the better. Electronic check acceptance is just like a credit card, without requiring a credit card account. Most banks have a simple process for accepting e-checks. Check with your host, ecommerce platform software provider, and your bank for information about what is available for your site.

    PayPal Acceptance: Like e-checks, it’s just another option for payment method.

    Order Status Lookup: Once a customer places an order, they wait anxiously, worrying. Help them love your site more by providing a place for them to log in and check the status of the order – has it been shipped? If so, what is the tracking number?

    Order History: Some customers like to look back and see what they’ve ordered in the past. Giving them this information is both helpful, and an excellent marketing tool. If your products are consumable, consider having an easy-order system where they can reorder previous products from their purchase history.

    Quantity Discounts: Face it. People like the Web because they save money. Offering quantity discounts per product is a great way to increase the size of an order, while making your customer smile.

    Gift Certificates: If your products are gift-worthy, don’t make your customers choose what to buy. Offer gift certificates so they can send them to the gift recipient. Gift certificates should be easy to use, with a simple code entered upon checkout.

    Multiple Ship-To Addresses: This allows customers to shop once and have gifts sent to multiple people. By offering the ability to h

    Every Industry is a Service Industry
    The other day I was involved in a discussion group in which a sales rep for a small IT company was asking for suggestions on acquiring more leads. Several good suggestions came up. One person offered that the most important thing the sales person needed to do was understand his company's product. Another recommended creating a detailed client profile. Still others offered thoughts on everything from cold calling to direct response.I think we confused the poor fellow.Here was a person who was trying to attract more customers to his company, but he wasn't being given any clear direction as to how to go about doing so. No wonder he was so eaten up with anxiety. He wanted simple solutions for bringing in business leads.We were all off base in the suggestions we gave him.Time and again companies face the same difficulties: Attracting customers. Retaining the customers they have attracted. Helping customers be successful with their p
    not necessarily imply a discount.

    Continue Shopping Button in the Basket Screen: When a shopper at your store gets to their basket, do you give them the option to shop some more, or is your site pushing them to checkout immediately? Continue Shopping buttons should take them to the last product or category page, or, worst case, the store home page.

    Remember Me: Amazon does it, and people like it. Upon returning to the store, the shopper is greeted with, “Welcome Back, Bob Smith.” This could be enhanced with order histories, preference settings, recommended products based upon purchase history, etc.

    E-check Acceptance: The more payment options, the better. Electronic check acceptance is just like a credit card, without requiring a credit card account. Most banks have a simple process for accepting e-checks. Check with your host, ecommerce platform software provider, and your bank for information about what is available for your site.

    PayPal Acceptance: Like e-checks, it’s just another option for payment method.

    Order Status Lookup: Once a customer places an order, they wait anxiously, worrying. Help them love your site more by providing a place for them to log in and check the status of the order – has it been shipped? If so, what is the tracking number?

    Order History: Some customers like to look back and see what they’ve ordered in the past. Giving them this information is both helpful, and an excellent marketing tool. If your products are consumable, consider having an easy-order system where they can reorder previous products from their purchase history.

    Quantity Discounts: Face it. People like the Web because they save money. Offering quantity discounts per product is a great way to increase the size of an order, while making your customer smile.

    Gift Certificates: If your products are gift-worthy, don’t make your customers choose what to buy. Offer gift certificates so they can send them to the gift recipient. Gift certificates should be easy to use, with a simple code entered upon checkout.

    Multiple Ship-To Addresses: This allows customers to shop once and have gifts sent to multiple people. By offering the ability to

    For Direct Mail Lead Generation Success, Clone Your Best Customers
    I don't relish being proven wrong. But a while back I sat down to discover who my best clients were. I wanted to increase my revenues. I figured that the best way to do that was to discover who my best clients were and to then go after more firms that were like them. I had hunches about who my best clients were, but my hunches were proven wrong. So I adjusted my marketing plan accordingly. And doubled my income that year over the previous year. If you want to increase your revenues and lower your cost of acquiring new customers using direct mail, then I invite you to learn from my mistakes. Measure your gross sales by client The first thing I did was look at my books for the previous three years, and break out my income by client. I wanted to know which clients had given me the most business in dollar volume. I had a hunch that my most lucrative clients were businesses that sold their products and services using direct mail, or used direc
    settings, recommended products based upon purchase history, etc.

    E-check Acceptance: The more payment options, the better. Electronic check acceptance is just like a credit card, without requiring a credit card account. Most banks have a simple process for accepting e-checks. Check with your host, ecommerce platform software provider, and your bank for information about what is available for your site.

    PayPal Acceptance: Like e-checks, it’s just another option for payment method.

    Order Status Lookup: Once a customer places an order, they wait anxiously, worrying. Help them love your site more by providing a place for them to log in and check the status of the order – has it been shipped? If so, what is the tracking number?

    Order History: Some customers like to look back and see what they’ve ordered in the past. Giving them this information is both helpful, and an excellent marketing tool. If your products are consumable, consider having an easy-order system where they can reorder previous products from their purchase history.

    Quantity Discounts: Face it. People like the Web because they save money. Offering quantity discounts per product is a great way to increase the size of an order, while making your customer smile.

    Gift Certificates: If your products are gift-worthy, don’t make your customers choose what to buy. Offer gift certificates so they can send them to the gift recipient. Gift certificates should be easy to use, with a simple code entered upon checkout.

    Multiple Ship-To Addresses: This allows customers to shop once and have gifts sent to multiple people. By offering the ability to

    Continuing Education For Nurses Becomes A Necessity
    The Nursing profession, having a renaissance of sorts, in the past 5-7 years finds itself in today’s professional spotlight. This renaissance is a result of the increasing demand for nursing services. In addition to this demand, comes increased competition among nurses to keep all knowledge and skills current.As a result, it is not surprising that every nurse has to do all that is humanly possible to keep up with the competition. There is an influx of new horizons in the medical field that require a nurse to continue their education in order to remain competitive and relevant.It is this set of circumstances that makes continuing education for nurses a necessity. Today's nurses must continue seeking to increase their knowledge of specific medical areas, as well as refreshing their knowledge of both past, and current skills.The increasing need for health professionals has also created an influx of nurses. Even with the growing number of nurses, the demand for
    r, they wait anxiously, worrying. Help them love your site more by providing a place for them to log in and check the status of the order – has it been shipped? If so, what is the tracking number?

    Order History: Some customers like to look back and see what they’ve ordered in the past. Giving them this information is both helpful, and an excellent marketing tool. If your products are consumable, consider having an easy-order system where they can reorder previous products from their purchase history.

    Quantity Discounts: Face it. People like the Web because they save money. Offering quantity discounts per product is a great way to increase the size of an order, while making your customer smile.

    Gift Certificates: If your products are gift-worthy, don’t make your customers choose what to buy. Offer gift certificates so they can send them to the gift recipient. Gift certificates should be easy to use, with a simple code entered upon checkout.

    Multiple Ship-To Addresses: This allows customers to shop once and have gifts sent to multiple people. By offering the ability to

    Housing Starts - Why Business Won't Be Usual
    Some will blame current economic pressure on a subprime market that was more enthusiastic than realistic. Housing starts are down with consumer confidence following suit. According to The Conference Board its “March [2007] consumer confidence index fell to 107.2, the lowest level since November and a decline that was larger than Wall Street expected.”The good news is the Dow has performed well in the midst of this news while labor statistics remain strong.Federal Reserve Chairman Ben Bernanke's testimony before Congress on March 28th, 2007 found him concerned about the impact of defaults on subprime loans. Bernanke indicated that, “Although the turmoil in the subprime mortgage market has created severe financial problems for many individuals and families, the implications of these developments for the housing market as a whole are less clear. The ongoing tightening of lending standards, although an appropriate market response, will reduce somewhat the effective demand
    like the Web because they save money. Offering quantity discounts per product is a great way to increase the size of an order, while making your customer smile.

    Gift Certificates: If your products are gift-worthy, don’t make your customers choose what to buy. Offer gift certificates so they can send them to the gift recipient. Gift certificates should be easy to use, with a simple code entered upon checkout.

    Multiple Ship-To Addresses: This allows customers to shop once and have gifts sent to multiple people. By offering the ability to have parts of the order go to different recipients, you’re making it easier for your customer to buy more and more on each order.

    Multiple Shipping Methods: Like multiple addresses, this allows the customer to send some items overnight, while paying less to send others at a slower rate. Options are always great for web shoppers.

    Frequent Buyer Program: Offer your customers rewards for returning to shop. These programs could give points that are redeemable on your site, or discounts based upon shopping history. You might have a permanent discount for shoppers who purchase a total of over $5,000, or points that are worth 10% of an order that can be used on the next order. A return customer is often worth much more than a new customer.

    Gift Registry/Wishlist: What better way for word-of-mouth than for people to tell others, “I want something from this site”? With this service, people set up an account and select items to place in their registry. Their friends and family come to the site, search the gift registry for items that have not been bought already, and place an order.

    Tell-A-Friend: Another excellent word-of-mouth tool. Have your customers tell others about your products and services. Tell-A-Friend systems can be as simple as an e-mail link, and as powerful as a page that allows multiple e-mail addresses and a personal note. Be sure the system sends the URL of the page the person was on when they clicked on it, so the recipient isn’t wondering what the sender was referring to.

    Mini-Cart: This is a little place on every page that shows the contents of the shopping cart. This allows the customer to quickly know what they’ve added to their cart. It could be simple, with quantity of items and total. Or, it can have features like full list of items in cart, shipping calculator, and the ability to change quantities or remove items right in the mini-cart.

    Live Chat: If your products or services are complicated and would benefit from a live conversation to answer questions, this feature can be very popular. You’ve seen the banners on other sites saying, “Click here to speak to a representative.” Some of these services allow you to watch a shopper

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