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Top Quote Online – Life Insurance #file #income #tax

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Advice and Quotations on the leading providers for Life Insurance, Critical Illness Insurance, Income Protection Insurance and ASU Cover

Compare the leading health insurance contracts. Individual, International and Corporate Schemes available.

Review Your Insurance Policies Regularly

Just remember that as time goes on, your personal and financial situation changes. You might have more or less liabilities, an extra child, you have inflation to take into account and possibly improved salary/wages. For these reasons, it is vital that you review your insurance policies regularly to ensure that you have the best premiums and the correct amount of cover. Also remember that if you contact your insurer or broker, you may be able to set up an increasing or index-linked policy to offset inflation.

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Family Income Benefit
published on the 9th October 2015 by Kathryn Knowles

Family income benefit provides cover for your household and those dependent on you after your death, so that they may be able to continue paying for their monthly outgoings such as school fees, food and other utilities, allowing them to continue with. read more

Mortgage Payment Protection Insurance or Accident, Sickness and Redundancy insurance can be obtained through quite a number of insurance providers, including Aviva, LV and Best Insurance. Mortgages are big commitments for lengthy durations and. read more

Over 50 Life Insurance
published on the 28th August 2015 by Kathryn Knowles

There comes a time in everybody’s life when life insurance policies seem the most effective way to plan for your future and that typically happens as you reach an age where your retirement grows closer and closer and your health begins to fade. read more

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  • Our ability to match another quote is achieved by a commission sacrifice meaning we receive less to ensure you pay less.
  • Copyright 2005-2016 Top Quote Online .
    Top Quote Online is a trading style of Cura Financial Services Ltd for internet purposes only. Cura Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.


    Barron’s Top 10 Income Investment Ideas #income #tax #savings

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    Barron’s Top 10 Income Investment Ideas

    There are still plenty of places to find decent income in stock and bond markets, even with many key interest rates at or near historically low levels. Investors can get yields of 4% to 9% on a range of investments, including junk bonds, utility stocks, telecom shares, and real estate investment trusts. These look appealing in an environment of sub-2% inflation, 1%-to-3% Treasury yields, and minuscule yields on bank deposits and money-market funds.

    • Yield-oriented sectors of the stock market didn’t generate outsize.

    Get The Full Story


    Top Quote Online – Life Insurance #efiling #tax #return

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    #income protection insurance

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    Advice and Quotations on the leading providers for Life Insurance, Critical Illness Insurance, Income Protection Insurance and ASU Cover

    Compare the leading health insurance contracts. Individual, International and Corporate Schemes available.

    Review Your Insurance Policies Regularly

    Just remember that as time goes on, your personal and financial situation changes. You might have more or less liabilities, an extra child, you have inflation to take into account and possibly improved salary/wages. For these reasons, it is vital that you review your insurance policies regularly to ensure that you have the best premiums and the correct amount of cover. Also remember that if you contact your insurer or broker, you may be able to set up an increasing or index-linked policy to offset inflation.

    Latest Articles

    Family Income Benefit
    published on the 9th October 2015 by Kathryn Knowles

    Family income benefit provides cover for your household and those dependent on you after your death, so that they may be able to continue paying for their monthly outgoings such as school fees, food and other utilities, allowing them to continue with. read more

    Mortgage Payment Protection Insurance or Accident, Sickness and Redundancy insurance can be obtained through quite a number of insurance providers, including Aviva, LV and Best Insurance. Mortgages are big commitments for lengthy durations and. read more

    Over 50 Life Insurance
    published on the 28th August 2015 by Kathryn Knowles

    There comes a time in everybody’s life when life insurance policies seem the most effective way to plan for your future and that typically happens as you reach an age where your retirement grows closer and closer and your health begins to fade. read more

    Popular Insurance Articles

    Insurance Quotes

    This is a sample of the companies that we research for you.

  • Our ability to match another quote is achieved by a commission sacrifice meaning we receive less to ensure you pay less.
  • Copyright 2005-2016 Top Quote Online .
    Top Quote Online is a trading style of Cura Financial Services Ltd for internet purposes only. Cura Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.


    The Top 1000: Canada s Power Book – 50 Top Income Trusts #income #protection #insurance

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    #canadian income trusts

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    50 Top Income Trusts

    Footnotes

    1. Figures are reported in U.S. Dollars.
    2. Figures are reported in U.K. Pounds and converted to Canadian Dollars.
    3. Figures have been annualized in the latest year.
    4. Figures have been annualized in previous year.
    5. Figures have been annualized in previous 3 through 5 years.
    6. Foreign Currencies are converted into Canadian dollars at the relevant period end for balance sheet items and the average for the relevant period for earnings items.

    na: not available, nb: no debt, nm: not meaningful, nr: not ranked.

    Figures for fiscal periods other than 12 months are annualized for rankings and calculating returns. Foreign currencies are converted into Canadian dollars at the end of the relevant period for balance sheet items and at the average exchange rate for the relevant period for earnings items.

    On-line:

    Newspaper:

    Advertise:

    Copyright 2016 The Globe and Mail Inc. All Rights Reserved.

    The Globe and Mail. 444 Front St. W. Toronto. ON Canada M5V 2S9
    Phillip Crawley, Publisher


    Stingy Investor: The all-Canadian trust guid – the top 100 Canadian income trusts #cheap #income

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    #income trusts

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    The all-Canadian trust guide
    the top 100 Canadian income trusts

    It’s time to grab a cold drink and dream of raking in loads of income while retiring on the beach. There’s only one hitch – it’s darn hard to find dependable, high-yield investments these days. Government bonds provide only a trickle of cash, while most stocks pay meagre dividends.

    So what’s a yield-hungry investor to do? Over the past few years the answer has been to flock to the generous payouts offered by income trusts. What makes this burst of popularity all the more remarkable is that only five years ago, many investors had never heard of trusts. Even today many people who have stuffed their portfolios full of them would find it difficult to define exactly what an income trust is.

    Income trusts get their name because they were originally developed to hold income-producing assets in trust for investors. While many variations have since evolved on that simple theme, the basic idea still holds true. A trust operates a business, a real estate portfolio, an oil well, or a public utility in much the way a standard corporation would. But unlike corporations, which must pay tax on their income, trusts pay out most of their profits as “distributions,” which avoid corporate taxes. As a result, income trust investors receive fat distributions that are then subject to personal taxation.

    Thanks to their ability to spin off cash, trusts have gone on a tear in recent years. Part of their new-found popularity is the result of falling interest rates. As yields on GICs and bonds have plunged below 5%, the higher yields from many income trusts have attracted investors like moths to a flame. Also important has been rising commodity prices, which have propelled the cash flow at many natural resource trusts into the stratosphere. As a result, the median income trust has gained an eye-popping 17.8% annually over the last five years; only a few trusts had the temerity to actually lose money.

    But what comes next? While trusts have enjoyed a great bull run, one worry is that the rush of money into the field has encouraged the formation of many new trusts that aren’t always of the highest quality. In some cases, those trusts are wooing investors with the promise of high initial yields. The question is whether those yields can be maintained in years to come. Another worry is whether investors are now paying so much for trusts that they’re doomed to disappointment in the years ahead, as prices settle back to more sedate levels.

    To help you assess the risk involved in selecting individual trusts, we’ve dug deep into the sector and graded Canada’s top 100 trusts on their ability to provide healthy dividends for a reasonable price. Although we’ve used some high-powered math to arrive at our ratings, the results can be understood by anyone who’s ever read a report card. Top-of-the-class trusts earn an A. Solid but unspectacular stocks get by with a B or a C. At the other end of the spectrum, bottom-of-the-heap prospects go home with a D, or even an F.

    Before stringing up your retirement hammock, we should emphasize that we’re not saying that you can make a fortune by buying every A trust and dumping every F trust. The market just isn’t that predictable. But we do think A trusts deserve your attention. They have the ingredients for success over the long haul. On the other hand, you’d better be careful when it comes to bottom-of-the-class trusts. While no one can predict how they’ll perform over the next few months, they don’t strike us as the shiniest prospects for the long term.

    We stress that our grades are based purely on the numbers. We didn’t factor in our personal opinions about a sector or a specific trust. Instead, we scoured the Thomson Baseline database, which provides background financial information on all sorts of trusts. We restricted our ratings to Canada’s largest trusts by market capitalization, then trimmed the initial list because some trusts have been around for less than a year or lack the robust cash flow data we need for detailed analysis. Finally, we doled out marks based on three objective criteria:

    Yield: No surprise here – the more money a trust puts in your pocket, the better. We gave high marks to any trust that yields more than 5%, since that payout is greater than what most government bonds and many corporate bonds deliver.

    Reliability: We like it when a trust is paying a high yield, but we like it even more when we feel confident that the trust’s underlying business is in good shape and that it can continue to pay its distribution for the foreseeable future. To ensure our top-rated trusts were operating with a cushion of safety, we awarded high marks to trusts that pay out less in distributions than they generate in cash flow from operations.

    We gave trusts additional marks if they used low amounts of debt, since low debt reduces a trust’s financial risk. (We measured each trust’s reliance on debt with a so-called leverage ratio, defined as the ratio of total assets to unitholders’ equity.)

    Finally, to make sure we weren’t recommending trusts in steep descent, we awarded top marks to trusts that showed relatively stable or growing book value per share. Our reasoning here was simple: we like trusts that can grow their business much more than those headed for the boneyard.

    Value: We awarded the highest marks to trusts trading at low prices in comparison to their cash flow. We measured this a couple of ways, because while we wanted low price-to-cash-flow ratios in an absolute sense, we also wanted a trust’s price-to-cash-flow ratio to be low based on its own five-year history. By using both an absolute and a relative measure of cheapness, we rewarded trusts that provide lots of cash flow for a reasonable price, and also rewarded trusts that have been around for at least five years.

    Putting our marks together we arrive at final grades for each of our 100 trusts. Only two managed to earn an A, but 12 managed a solid B. We think both classes are well worth your consideration as investments. Don’t get too caught up in which trust got an A and which got a B – because we reserve the very best marks for trusts with lots of data and a long history, we expect that as the trust market matures some of the B and C trusts will join the A list.

    Top of the class


    How To Earn A Second Income At Home – TOP 10 Best And Real Work

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    How To Earn A Second Income At Home

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    Revealed: The top investments for monthly income #online #income #tax

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    Revealed: The top investments for monthly income

    Investment funds paying monthly income are uncommon but treasured by savers wanting frequent payments to supplement pensions or other income.

    Of the 2,000 unit trusts or equivalent funds available to private investors, just 20 pay income on a monthly basis. Those which do are an eclectic mix of portfolios holding shares and bonds, or often both. By investing in these most savers are aiming to derive a high, frequently paid income, but because several of these funds have delivered strong returns in recent years, their appeal is spreading to a wider audience.

    But unlike the cash Isa accounts which pay income monthly – see the table below for the current top payers – savers’ capital is at risk.

    Darius McDermott of Chelsea Financial Services, the broker, is a fan. He said: “Investor demand for these funds is picking up and I expect it to continue as investors gain greater control over their pensions. But it is hard to get high levels of income at the moment, so the higher yields often indicate more risk is being taken.”

    How the monthly income funds work

    Related Articles

    The fund manager of a monthly-paying fund invests savers’ cash in a portfolio of shares, bonds or both. He is limited in how much income he can pay out by the amount of dividends or interest these underlying holdings earn.

    He also has to try and pay out the income in more or less equal, monthly instalments, which he can do by holding some income back.

    Brian Dennehy, financial adviser and founder of broker FundExpert.co.uk, said: “Smoothing the dividend payments helps the fund manager out if they have a bad month. It can also give investors a bigger payout towards the end of the year, as the excess cash is handed back.”

    The income payments are taxed in the same way as other income funds, so if these are held in an Isa there is no further tax to pay.

    The funds’ “distribution yields”, quoted as a percentage, give an indication of the yearly income investors can expect based on historic payments.

    The funds the experts are backing

    Premier Monthly Income , managed by Chris White, is unusual among monthly payers in that it only invests in shares. Mr White invests in high-yielding British firms, comprising mainly blue chips such as BP and GlaxoSmithKline. The fund yields 4.7pc and over the past three years has returned 55pc (capital growth and income payments combined).

    Jupiter Monthly Income holds 85pc in shares with the rest in cash and bonds. It yields 5.1pc, and has returned 39pc over three years. A newer fund with a similar investment mix is Schroder Managed Monthly High Income , yielding 5.9pc.

    Threadneedle Monthly Extra Income , which also invests around 80pc in shares, yields a lower 3.9pc – which is still considerably higher than the wider UK stock market yield of 3.3pc. This monthly payer is favoured by Lee Robertson of Investment Quorum, the wealth manager, who said: “For me the important thing is that the yield is growing as the fund’s portfolio is positioned to benefit from the steady increase in companies’ earnings as the recovery continues.”

    Mr McDermott tipped the recently launched Kames Diversified Income fund . The fund is only six months old but it is targeting a 5pc annual distribution, derived from a portfolio invested 40pc shares and 60pc in bonds.

    Then there are the monthly payers where the underlying investments are mainly or only bonds.

    That does not necessarily make them less risky, as the capital values of bonds can fluctuate violently. The highest yielding is currently the Alliance Trust Monthly Income Bond fund , paying 5.9pc. The manager has purchased bonds issued by the likes of BT and Orange. The total return for investors over the past three years is 21pc. Other, respected bond based monthly payers include Fidelity Moneybuilder Income , which yields 3.9pc; Invesco Perpetual Monthly Income , yielding 4.7pc, and the Henderson Fixed Interest Monthly Income fund , which yields 5.9pc.

    While offering the perk of monthly payments these funds do not necessarily grow annual payouts. Dividend focused investment trusts are better for that purpose.

    Cash Isas: Best accounts that pay monthly


    The best MDM solutions for September2017, TechRadar, top mdm solutions.#Top #mdm #solutions

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    TechRadar pro

    The best MDM solutions for September2017

    Top mdm solutions

    As the rise of BYOD (Bring Your Own Device) has become an unstoppable force across the business landscape, managing what can be a host of mobile devices is now a critical consideration for every enterprise.

    With an expanding fleet of mobile devices, businesses need a platform that enables high levels of oversight and solid data protection. An MDM (Mobile Device Management) system is now vital.

    Before you choose, take a look at our selections for the top ten leading MDM solutions, and the reasoning behind why we picked them.

    Top mdm solutions

    1. VMware AirWatch

    AirWatch has continued to gain market share and reputation as one of the top MDM systems available. This is an enterprise-level EMM (Enterprise Mobile Management) solution that can handle large numbers of devices with varying operating systems.

    Gartner’s Magic Quadrant 2016 places AirWatch as a leader in this sector pointing to its ease of setup and intuitive management interface. Once each device has its appropriate app installed it can then join the secure cloud of control that AirWatch can manage. The structured low-start pricing scheme is also highly attractive enabling organisations to scale MDM support as they grow.

    Top mdm solutions

    2. BlackBerry UEM

    BlackBerry simply refuses to die in the face of the iPhone and Android onslaught. Still massively popular in specific sectors such as government, BlackBerries continue to demand the loyalty that only Apple can match.

    With Blackberry UEM it is nderstood that customers need to manage a mixed mobile device environment. Multi-platform support is now catered for, but of course the core features speak to BlackBerry stalwarts with rock-solid support continuing for its trusted network. UEM may not have the bells and whistles of AirWatch for instance, but for BlackBerry-dominated businesses it is a must-have upgrade.

    Top mdm solutions

    3. IBM MaaS360

    IBM stepped into the MDM market with the acquisition of Fiberlink Communications two years ago. Since then, IBM has been improving this product and with a low entry point for device deployment it has been gaining market share. Watch out, though, for the hike in price when some of the add-on features are enabled. Other MDM platforms have some of these as standard out of the box.

    IBM’s long history with enterprise security is clearly evident with MaaS360. If you are looking for a very low-cost offering on which to build your MDM platform, no one has ever got fired buying IBM.

    Top mdm solutions

    4. MobileIron

    A good MDM should not add another layer of complexity to a business. The fast and seamless addition of new devices should be at the core of its features and MobileIron offers just this level of functionality.

    The MobileIron Core is where application priorities can be set. MobileIron Sentry is where secure gateways can be implemented, including VPN connections. Security policies can be easily enforced, with any device that has been jailbroken rejected by the MDM system.

    With multiple OS support and a growing ecosystem of third-party applications to extend the MDM’s capabilities, MobileIron’s [email protected], [email protected] and [email protected] offer a dynamic system that any size of business can easily integrate into their operations.

    Top mdm solutions

    5. Citrix XenMobile

    XenMobile is another highlight in the Leaders Quadrant of the 2016 Gartner Magic Quadrant for Enterprise Mobility Management Suites. The platform has low starting costs along with deep integration, even if this does require using the company’s own Citrix Worx apps. This does, however, mean that businesses can gain a high level of security across their mobile applications.

    If native apps tied to a particular OS are not a priority, the Citrix ecosystem coupled with its strong security-focused MDM could be a fast and easy purchase for businesses looking to solve any BYOD headache they currently have. And with a detailed and comprehensive management console, organisations can buy the vast experience with mobile connectivity Citrix has been developing for decades.

    Current page: Introduction and MDM solutions 1 to 5


    Online Creative Writing Courses Offered Free by Top Universities and Educational Websites #creative #writing #online

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    Online Creative Writing Courses Offered Free by Top Universities and Educational Websites

    Free Creative Writing Courses

    Creative writing requires the application of hard work, discipline and much practice. Use these free creative writing courses online to hone your skills and become a better writer.

    Open University

    Open University offers a plethora of writing courses, on topics such as poetry and fiction. Read through these lessons on the website or download them as a single eBook.

    Massachusetts Institute of Technology (MIT)

    MIT offers courses in fiction, editing and publishing, in addition to courses on writing essays. The fiction course has required reading with titles like Frankenstein by Mary Shelley and The Picture of Dorian Gray by Oscar Wilde. Textbooks for the writing and editing course include Signs of Life in the USA: Readings on Popular Culture for Writers by Maasik, Sonia and Jack Solomon and Easy Writer: A Pocket Guide by Lunsford, Andrea and Frank Horowitz. The advanced essay workshop entails readings from literary magazines and the science essay course assigns eight sets of readings on topics like literary techniques and public health.

    Purdue University

    The Purdue Online Writing Lab (OWL) offers free online writing lessons. Subjects include poetry and proofreading. These quick lessons can be downloaded and printed.

    Yale University

    Yale University offers a free online course in modern poetry. Texts include The Norton Anthology of Modern and Contemporary Poetry. Vol. 1, Modern Poetry, in addition to selections from the course packet, with readings from The Complete Poems of Elizabeth Bishop and Selected Poems from Ezra Pound. Students can choose from 25 audio lectures, on poets like Williams Carlos Williams, Hart Crane, Langston Hughes, and more.

    The Crafty Writer

    This free online tutorial offers individuals text lessons in the form of an article on topics like writing short stories, character development, poetry, and more. Lessons also recommend books for purchase.

    Science Fiction and Fantasy Writing

    This science fiction and fantasy writing course is offered online for free by science fiction writer, Jeffrey A. Carter. A multitude of lessons are available, in a variety of subjects like language and style, creating characters, rewriting, alien creatures, conflict and plot, and much more.

    Creative Writing Prompts

    This website offers free writing prompts. Use this as a resource to get your writing started.

    WritingClasses.com

    This website offers two questionnaires for writers. Answer questions about characters in order to help your development process for writing.

    Free Online Creative Writing Courses At a Glance

    Related Articles

    Master’s and doctoral degrees in creative writing can lead to careers in and out of academia. Get the truth about the requirements, courses and.

    What will you learn in a writing degree program? Read about the degree requirements, pros and cons of an associate’s and bachelor’s degree, as well.

    The schools below may include sponsored listings but are popular choices among our users.

    Popular Schools

    Online Programs Available

    1. Ashford University

    Program Options

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    2. Johns Hopkins University

    Program Options

    Certificate

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    Top 50 Ecommerce Websites – Paul Rogers, top ecommerce websites.#Top # #ecommerce #websites

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    Top 50 Ecommerce Websites

    Having spent the last few months going through lots of ecommerce websites for various different work projects, I thought it’d be a good idea to write a post about my favourite ones.

    I chose the following websites based on their design and uniqueness and the order is not based on which ones I prefer.

    I plan on updating this piece every few months and will be adding new ecommerce stores soon if you have any suggestions, please feel free to drop me an email.

    Top  ecommerce websites

    LVMH s premium wine spirits website is a prime example of a luxury e-commerce environment a clean, minimalist design is complemented by wealth of content and features including the clever Event Planner and the content-rich Journal19 blog.

    Built with Hybris

    Top  ecommerce websites

    LVMH s first fashion multi-brand e-commerce platform is a beautifully executed high-end shopping experience. Highlights include sleek product photography, a super clean product page layout and elaborate personal shopping options including Video Chat and Facebook Style Bot amongst others.

    Top  ecommerce websites

    Cult brand Glossier s e-commerce store is full of quirky design features matching the product packaging perfectly bridging the offline / online experience. Wealth of customer reviews user generated content are true to the firm s ethos as a leader in socially driven commerce. Interesting functionality includes product subscription services and customer review statistics e.g. most liked positive review, average age of customers buying this product and more.

    Built with Spree

    Top  ecommerce websites

    The watch brand s website is easily shoppable thanks to well laid out product listing pages with a smart swatch selector and information-rich product detail pages which include everything from the product s story to a downloadable user manual. A highlight from Nixon s website is the very slick customiser tool allowing you to build your very own watch.

    Built with Demandware

    Top  ecommerce websites

    The trainer streetwear multi-brand site is packed with effective conversion tools including a rapid guest checkout, a next day delivery countdown timer in the basket, a range of payment methods covering everything from Apple Pay to Klarna and the newly added Buy Now, Pay Later option.

    Top  ecommerce websites

    Built with Spree

    Top  ecommerce websites

    Built with Magento

    Top  ecommerce websites

    Built with Magento

    Top  ecommerce websites

    Built with Hybris

    Top  ecommerce websites

    Built with Demandware

    Top  ecommerce websites

    Built with Shopify

    Top  ecommerce websites

    Built with Magento

    Top  ecommerce websites

    Built with Oracle

    Top  ecommerce websites

    Built on a bespoke platform

    Top  ecommerce websites

    Built on a bespoke platform

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    Built with Adobe CQ

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    Built with Drupal

    Top  ecommerce websites

    Built with Magento Enterprise

    Top  ecommerce websites

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    Top  ecommerce websites

    Built with Demandware

    Top  ecommerce websites

    Built with Magento 2

    Top  ecommerce websites

    Built with Magento

    Top  ecommerce websites

    Built with WordPress

    Top  ecommerce websites

    Built with Magento

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    Built with Lengow

    Top  ecommerce websites

    Built with Magento

    Top  ecommerce websites

    Built with Demandware

    Top  ecommerce websites

    Built with Magento

    Top  ecommerce websites

    Top  ecommerce websites

    Top  ecommerce websites

    Top  ecommerce websites

    Built with Demandware

    If you know of any uniquely designed and attractive ecommerce websites that I ve not listed, please feel free to provide details within the comments area below.

    Paul is an experienced eCommerce Consultant, specialising in working with the Magento platform. Paul works with online retailers, agencies and product companies from all over the world and is focused mainly on growing stores (customer acquisition, customer experience, strategy etc) and fixing issues with the Magento platform.