Online Shopping Lingo: Abbreviations and Acronyms

Visiting coupon, refunding or bargain sites may, at first, seem
Like visiting a foreign country. You see phrases such as:

GDA! BBW B & M BOGO on soaps, HTH

And you think WHAT? Huh? What are they talking about? What
Language is THAT?

(Translation: Good Deal Alert! Bath & Body Works
Brick-and-mortar store has buy-one-get-one on soaps, hope this

I mean, it's enough to make you want to TYHO!
(Tear Your Hair Out – I made that one up.)

Before you click away in frustration, let me reassure you that
It IS possible to speak like a native – you just need a guide to
The terminology, acronyms, abbreviations, definitions and common
Word usage found on rebate and premium product lists, coupon and
Online code lists, and reimbursement and trading forums.

Each site you visit may have its own particular phrases, but
Generally speaking the most common terms are found in the list


B & M = Brick & Mortar

B1G1F = Buy One Get One Free

BOGO = (the same as B1G1), Buy One, Get One (usually free)

C / O = Cash Off or Cents Off

CPN = Coupon

CRT = Cash Register Tape

CSR = Customer Service Reps

CVS = A pharmacy / drug store like Rite-Aid

DB = Dear / Darling / Darn Brother

DCRT = Dated Cash Register Receipt

DD * = Dear / Darling / Darn Daughter

DG = Dear / Darling / Darn Girlfriend

DH = Dear / Darling / Darn Husband

DND = Do Not Double

DS * = Dear / Darling / Darn Son

DUPES = Duplicates

DW = Dear / Darling / Darn Wife

EB = Extra Bucks (CVS)

ECB = Extra Care Bucks (CVS)

ESR = Easy Saver Rebate (Walgreens monthly rebate)

FAB = From another Board

GC = Gift Certificate

GDA = Good deal alert

GWP = Gift With Purchase

H / F = Handling Fee

HT / HGT = Hang tag

ISO = In Search Of

LMK = Let Me Know

LOL = Laughing Out Loud and / or Lots of Luck

LPG = Lower Price Guarantee

LSASE = Long self addressed stamped envelope

MIB = Mint in Box

MIL = Mother-in-Law

MMV = Mileage May Vary

MS = Mystery Shopper

NAZ = Name Address Zip code

NED = No expiration date

NIB = New in box

NOCC = No Credit Card

NWOT = New WithOut Tags

NWT = New With Tags

OBO = Or Best Offer

PLMK = Please let me know

POB = Post Office Box

POP = Proof of Purchase

PP = Purchase Price

PPHF = PayPal Handling fee

PREM (Premium) = An item received from a refund offer.

PSTG = Postage

Qualifier (Q) = Proof of Purchase.

RAOK = Random Act of Kindness

RP = Rewards Programs

SAHM = Stay At Home Mom

SASE = Self Addressed Stamped Envelope

SMP = Particularly Marked Packages

TMF = Try Me Free

TOS = Terms of Service

TTFN = Ta ta for now

TY / ty = Thank you

UNL = Unlimited

UPC = Universal Product Code

W / L or WL = Wish list

WAHM = Work at home mom

Winetags = coupons found around the neck of a wine bottle

YMMV = Your Merchandise (or Mileage) May Vary

* (Add an S for step _ so DSD is Dear / Darling / Darn Step-Daughter)

Demonetisation: Impact on E-Commerce Platforms

India is still recovering from the unexpected demonetization of rs 500 and rs 1000 notes. A huge change is encountered in the routine of every business and the e-commerce industry has not been spared even. One of the most significant economic change in the lifetime of Indians experiencing vast spread tremors. While some people were hailing it as a masterstroke move against against black money, terrorism, and currency counterfeiting. Whereas, certain section of people were creating hue and cry against it. This change is placing a tremendous impact on trade and consumer demand. A lot of discussions and discussions are already going on these topics, so I will spare you on that!

The e-commerce platforms are reeling under pressure due to undelivered orders because a lot of customers have opted for COD, but are still offering the old currency notes only. Such drastic economic change has led to an increase in the use of cashless services but the e-commerce platforms are finding it very difficult to complete orders that have been marked for cash on delivery.

On one hand, there have been a huge increase in digital payments but on the other hand the percentage of undelivered online purchases too have gone up. All of this has claimed in huge returns as the customers who place online orders and choose for COD mode for payments, urge the delivery person to accept the old currency notes or take back the order.

Due to demonitisation, the e-commerce platforms have stopped COD mode of payment which is credited for close to 60% of online shopping in the country. COD is one of the popular payment options for a large section of India consumers who shops online. This is due to the sheer convenience it offers to its customers who wish to receive their orders first and pay later.

In order to compensate, these platforms have added credit card on delivery as one of the payment options to put customers at some ease who are running out of cash. More discounts are offered by restructured websites on online payments as well as zero cost EMI schemes.

The spokesperson of amazon has said that the company has incurred ten times growth due to credit card on delivery mode. However, this is not helping the sellers much who have complained that these efforts are not compensating for the loss incurred over COD mode.

No doubt, there will be a lot of inconvenience in the initial period but in the long run, everyone is hopeful of a better growth, reduction in cash on delivery services, along with a quick return investment.

Contract Of Employment Explained

Contract of employment like every other contract is an agreement between and employer and an employee which describes and states the condition of employment. It is always advisable for one to be sure of what the contract states before signing and accepting the contract as once signed it is binding on both parties. A well prepared contract of employment is a statement of the capacity in which the employee is employed, it covers and shows the name of the job, pay, allowances, hours of work, holidays, leave, pension arrangements, and should refer to the relevant company laws and policies as is applicable to the employee.

In a more refined way, a contract of employment is defined as an employment agreement voluntarily entered into by the employer and employee which stipulates and defines the conditions of employment. Most contracts of employment are in written form which makes it applicable and governed to the general law of contract. This then means that every contract of employment should be binding on both parties as well as valid. It then means that for the contract of employment to be binding just as I general law of contract, there should be an offer, an acceptance and a furnished consideration. In this case the offer is the written employment letter which is accepted by the employee and the consideration being the wage the employer is ready to pay the employee.


A well written contract of employment should include all of the following;

o Parties to the contract should be clearly stated: The name and contact address of the employee who is being employed should be clearly stated as well as the name and address of the employer.

o Date of employment should be clearly stated: The resumption date of the employment should be stated in the contract of employment. This will help in knowing when to start calculating the employee’s entitlements.

o Remuneration: The salary agreed on should be put down in writing. The scale or method of calculating the remuneration should also be put down in writing. Also the interval of payment should be written, either bi weekly or monthly depending on the policy of the firm.

o Terms and conditions of work relating to hours a day: The expected number of hours to be put in by the employee per day should be clearly stated in the contract of employment.

o Leave entitlements: The employees leave entitlement should be stated, number of days he is entitled to, his leave allowance, other types of leave he may be entitled to (sick leave, casual etc).

o Pension entitlements: The employee’s pension entitlements should be clearly stated if any.

o The job title: The title of the job being offered should be stated. The job tasks as well should be written.

o Confirmation: The number of months or years as the case may be the employee will serve successfully before his/her appointment will be confirmed should be stated.

o Disengagement: The number of days or months notice required by either of the parties before the contract will be terminated should be written as well.

After the contract of employment has been established, the employer and employer as well have duties to perform to keep to the terms of the contract. In the case of the employee, he has to keep to all of the following;

o Has to do his job personally: The employer was employed to work and carry out his duties by himself. It then means that by the terms of the contract, he has to do his job and duties by himself.

o Has to abide by the laws and policies of the firm: For every organization, there are laid down rules and regulations as well as policy guides that direct the affairs of the organization. The employee is bound by the contract of his employment to abide by the rules and regulations surrounding his employment contract. Disobedience to any of this may result to outright dismissal or termination of appointment.

o The employee should not by any means compete with his employer. He should not have any interest that will be against that of his employer.

o He is to conduct himself well and properly at all times. He should not be involved in any action that will be detrimental to the firm. He should come to work early and comport himself during office hours.

o He should be accountable to his employer on all assignments given to him during his period of employment.

o An employee should add value to his employer which is the main reason for his employment. He should be able to prove the skills he claimed to have prior to employment.

On the other hand the employer has some duties to perform for the employee to make sure that the contract of employment between them is sustained. The following are expected to be carried out by the employer;

o The employer is expected to pay the wages of the employee. As part of the employment contract, there is an amount that was agreed by both parties as wages for the employee. The employer is expected to pay such wages and as when due.

o He should provide the necessary and required tools to enable the employee carry out his duties effectively.

o The employer should also make sure that there is an enabling environment and good working conditions for the employee to perform his duties.

o The safety and safe working conditions should also be assured by the employer to avoid putting the employee at risk during his period of employment.

o The employee should be rewarded when he has performed well. He should also be motivated by the employer at all times. The employer should not see the employee as a slave, rather as a partner in progress, because without the employee, the employer will not succeed.

Car Charity Donations: How To Go About Them Seamlessly

Every once in a while, the need for a new car arises, and when it does, many people are often at a loss on what to do with their current or old car. The options most of them have in mind include delivering the old car to a junk yard, selling it, or possibly relinquishing ownership to a friend or relative. Yet, car charity donates provide a fourth and better option, which is totally hassle-free.

First things first, car charity donation reiterates the transfer of ownership of an automobile one no longer needs to a charitable organization. People do this for various reasons including tax relief, but before one jumps onto the bandwagon of car donation, they need to know the basics of how car charity contributions work.

People have been told that the process of donating a car to a charitable organization is as easy as calling them to come and drive or haul it away. Well, this is true, but like everything else in life, one has to prepare their car for donation to avoid unnecessary complications that may come afterward.

Since the donation process involves a complete transfer of ownership, it is advisable to capture clear images of the inside and outside of the car, if possible, with dates. This is necessitated by the fact that once the car leaves the custody of the donor, so does its official documentation including proof of ownership documents. Some unscrupulous individuals or organizations are likely to take advantage of this loophole to defraud otherwise good-intentioned citizens of their cars for selfish gain. Having clear images of the car just before the donation can help with the recovery process should the need arise.

Another element of preparation worthy considering prior to donating a car to charity involves keeping track of repair and maintenance records. This applies to cases where the car needs to be fixed before before donation. The service and spare part receipts increase the value of the car when dealing with the taxman.

Once these preliminary preparations have been completed successfully, it is time to call the charity organization to come for the car or drive it there. Most people tend to focus only on this step to show how easy it is to donate a car to charity. It is, but for the individual who seeks to draw the full benefits of donating a car to charity, the outstanding preparations are inevitable. When a representative from the organization finally comes for the car (they normally do), it is critical to ensure that they leave behind a document showing the full details of the organization in question, the car, as well as the time and reason for pickup . This should be some sort of receipt acknowledging the donation.

The above step concludes the donation process. What follows is beyond the donor's influence. All they can do from this point onwards is to wait until the car has been sold. Typically, the charity organization notifies the car donor of a sale within a span of one month after the sale is made. If they fail to do so, the donor has the right to make an inquiry about the same. When the organization sells the car, they are obliged to supply the donor with a written acknowledgment of the sale.

The donor can then proceed to claim a tax relief from the IRS using the donation documents and any other relevant documents. Also, of critical importance is that the donor may be required to inform the relevant authority about the change of ownership depending on the state in which they benefit. This serves to protect the donor from bearing the burden of tickets and other car-related costs, which should be paid for by the next owner of the car.