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cardsvistas · 4 years

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warmdevs · 5 years

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New Post has been published on https://warmdevs.com/trustworthiness-in-web-design-4-credibility-factors.html

Trustworthiness in Web Design: 4 Credibility Factors

While in Singapore for our UX Conference, we conducted a usability study to investigate major differences between how Western and Asian cultures evaluate websites — and, by extension, businesses. While there were some interesting cultural nuances, the basic factors used to weigh site trustworthiness were the same, regardless of location and culture.

In 1999 Jakob Nielsen listed 4 ways in which a website can communicate trustworthiness: design quality, up-front disclosure, comprehensive and current content, and connection to the rest of the web. In our study, we observed that these very same factors continue to influence users. This is yet another example of the durability of usability guidelines: although design patterns and trends change over time, human behavior does not. Users’ priorities and methods of evaluation are the same today as they were 17 years ago, even though the web itself has vastly evolved. What we now consider a “quality” website design looks very different from a reputable website of the past, but what influences the perception of quality has not changed and will not change in the future.

This article delves into the original 4 methods of communicating trustworthiness, and provides examples of how these principles apply to today’s websites.

Design Quality

The first step to garnering trust is to make your site appear legitimate and professional. Both the landing-page content and the main navigation must be well organized and the site should use an appropriate color scheme and imagery.

Site organization. Meaningful navigation labels indicate that the company considers users’ needs and understands their mental models and vocabulary. When people are faced with clever or nondescript category names, they may not be able to determine whether the relevant content exists on the site. As a result, they will become frustrated and may abandon the site. In contrast, when the links unambiguously point users in the right direction, they will feel confident and will trust your company.

Visual design. The standard for what is considered a well-designed site constantly shifts in response to trends that eventually become the norm. For example, perhaps young adults consider flat designs as more professional than older audiences simply because they use more websites that have adopted a minimalist style, and have adjusted their expectations over time.

Color schemes used on the website greatly affect the perceived value of the business, and can brand an organization as corporate, budget, or luxury. Ideally, the colors chosen should match the type of service and impart some meaning — for instance, Singapore participants were drawn to cleaning companies that used green or a lot of white space in their designs because those matched their idea of what is natural, fresh and clean. In contrast, dark colors made the site appear more cluttered — and clutter is not what you would want from a cleaning company! Even companies not striving to match any particular color meaning should use colors strategically to support the tone of the organization. For example, including adequate white space adds to the perception that content is well organized. In our study, BoxGreen snack boxes were more appealing than those from GuiltFree because of the site’s colorful high-quality images and wise use of empty space that allowed those images to stand out without cluttering the overall look and feel.

4 out of the 5 participants who compared monthly snack-box services chose BoxGreen.co (left) over competitor GuiltFree.sg (right). They judged that website as more attractive and informational, and considered the pictures, fonts, and colors more appealing. When—as with these two sites—the prices and offerings are fairly similar between two companies, the design of each website becomes a major deciding factor.

Typos, broken links, and other mistakes quickly degrade credibility and communicate an overall lack of attention to detail. Upon noticing a misspelled word on the homepage of a large moving company in Singapore, one user stated, “I see a spelling error here: they’re not very detailed I guess. This is their face to the world; this is big stuff that they need to take care of … just some simple stuff like that can change my impression, can change my feelings toward all of them.”

Upfront Disclosure

You wouldn’t trust someone who’s hiding something from you, would you? On the web, like in real life, people appreciate when sites are upfront with all information that relates to the customer experience. This includes details such as prominently displaying contact information (a good place is in the utility navigation), documenting what is included in a base cost, stating any additional fees or charges that may accompany a service, presenting links to the return policy and guarantees, or revealing shipping charges before asking for billing information. When sites omitted basic information, they were almost immediately ruled out of consideration in favor of more upfront sites. One user spent only 35 seconds browsing the cleaning website HomeCleanz before she declared, “I would definitely not use HomeCleanz because they don’t state the rate here, they want us to actually write to them. So I feel they are not open enough.”

Depending on the type of industry, being upfront with information can extend beyond these basics. For example, when comparing several courier services, users expected to see estimated delivery windows in addition to pricing information — just as you would expect to see an estimated pickup time before you actually request a Lyft or Uber. The same was true of grocery-delivery companies: prospective customers want to know how quickly food would be delivered, and see information about what would happen if they weren’t home during the day to receive it. FAQ pages were frequently visited to look for answers to such information.

Making this important information easy to access on the website adds to a feeling of transparency, and shows that you understand your customers. Be aware though, that while users want to uncover possible hidden fees, they hate if they have to fill in lengthy forms to obtain that information. While a detailed quote form may provide a more specific price to the user, the interaction cost is too high: in the words of one participant regarding a moving company website, “I just want a quick quote, I hate having to key in all these particular details.” In such cases, it is okay to sacrifice some specificity and only provide ranges of costs, as long as all the relevant line items (tax, shipping fees, minimums, etc.) are exposed.

Login walls and gated content are other examples of how a website may not seem upfront with its users. Asking for information before providing any value is a breach of trust: asking for too much too soon means you don’t get anything because users leave instead of answering. Even creating the perception of a gate to content can degrade trust and turn users away: several participants visiting the grocery-delivery site honestbee wondered why had to sign up for an account in order to view any content on the site. In fact, the site was asking for an address in order to display participating stores in the area, but the prominent address form and call to Sign Up left a negative impression.

honestbee.com: Participants immediately questioned why they had to enter an address before viewing content. Asking for personal information before allowing users to explore is the opposite of being upfront, and degrades trust.

Comprehensive, Correct, and Current

Thorough information related to the business exudes expertise and authority. In our study, users appreciated sites that contained a large amount of relevant content because it showed that the organization was well informed and committed to helping its customers. For example, participants favorably noted moving companies that presented moving tips such as how to best pack boxes to prepare for the movers.

It is also imperative that service sites display photos from all stages of the service, not merely the end result. When evaluating cleaning services, people wanted to see not only photos of clean rooms, but also images of the actual cleaning process and who would be doing the cleaning. Especially for industries that require a large amount of trust from potential customers — you are inviting a stranger into your home, after all — users want to get a better understanding of whom they will do business with. Generic photos of already clean rooms or other end results are more likely to be considered filler images rather than useful content and thus ignored.

UniHomeCleaning.com.sg: Participants commented that the website only displayed photos of clean places and not of the actual cleaning process. Although this was not a deal breaker for the site (which did include text explaining what services were included), people appreciated competitors’ photos that showed actual cleaners in homes and they spent time looking at those photos.

Most importantly, the content on the website must represent the full range of services or products offered by the organization, or it risks alienating those users looking for the less featured items. For example, people looking for home movers were put off by companies that appeared to mostly cater to commercial relocations but also handle residential moves. Even though participants found the relevant content on the site and understood that the company did offer the right service for them, the overall lack of house photos, of testimonials from homeowners, and of other supporting content left the impression that the company did not value that line of business as much as its corporate customers. Similarly, cleaning services that only showed photos of high-end residences or large office spaces turned away those people living in smaller homes. No one wants to feel like a second-rate customer.

HomeCleanz.com: The Portfolio page only showed large condo complexes and office buildings, so users questioned how often the company actually worked with smaller residences.

Connected to the Rest of the Web

Today, businesses and their websites cannot live in a vacuum. When researching products and services people do not rely solely on one website to glean information about its credibility and reliability, but instead look for external, unbiased sources. An isolated website that does not link to and cannot be found on third-party review sites, social media, or news outlets appears to either have something to hide or not be a fully established, stable company.

(Even if you don’t have an omnichannel user-experience strategy, your customers employ an omnichannel approach to their information seeking.)

Due to the sheer amount of social media and review sites available, people have learned to trust these external sources more than company-sponsored content. Several participants in our study commented that while they do research online for various services, they are distrustful of sites or services that weren’t recommended by friends or family or at least other people on the web — regardless of how beautiful the website may be. One participant explained, “Whenever I choose a company to work with, I make sure I know them well. So it has to be a company [that I can see others use]. It would be good if they have customer reviews, maybe a media [press release].”

Every participant in our study stated that they would read reviews before deciding which company to hire. When it comes to reviews, people trust testimonials from external sites more than those listed on the website itself. Participants liked quotes and case studies displayed on the company website, but they regarded them with a healthy dose of skepticism, wondered if the stories were true, and noted that the website would of course include only positive reviews. So, while reviews and testimonials are useful, it is more important to have a presence on external review sites. Linking to these outside sources shows you are transparent and confident about your service.

Conclusion

The 4 factors of trustworthiness are important to every website, and have remained stable for decades. Even though the specifics of how to meet these trust guidelines have evolved over time, the underlying principles still stay valid. This is why it is always important to see the why behind design guidelines rather than blindly applying them. By understanding why people care about design quality, upfront disclosure of information, comprehensive content, and a connection to the rest of the web, you can adapt to new expectations and new web-design styles.

Learn more about credibility and establishing trust in our full-day training course on Persuasive Web Design.

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andylocksmithtipsntricks · 5 years

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The Best Pet Insurance

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Figo

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No copay for life-saving care

Cloud-based

No exclusions for cured congenital conditions

No copay for life-saving care

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Trupanion

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Covers hip dysplasia

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Figo Earns Our Paw of Approval for the Best Pet Insurance

Since many of us consider our animal companions family, it’s no surprise that more than two million pets in the United States are covered by pet health insurance1. We reviewed and rated pet insurance companies on what matters to pet parents, such as coverage for preexisting conditions, waiting periods, and annual deductibles.

Figo came out as top dog with three levels of insurance coverage that offer comprehensive pet insurance. Figo not only covers vet exam fees for injuries and accidents but also waives your copays for lifesaving treatments. Figo pet insurance plans also don’t exclude hip dysplasia, a common congenital condition for large breed dogs.

We also loved Figo’s cloud-based approach to storing your pet’s medical records and the way it uses the latest technology to coordinate reimbursing claims. All of these perks let pet owners stop worrying about the cost of vet bills and start focusing on helping pets enjoy a better quality of life.

Top Pet Insurance Companies

Figo: Best for Comprehensive Coverage

Trupanion: Best for Dogs

Healthy Paws: Best for Cats

Embrace: Best Preventative Power

Nationwide: Best for Exotic Pets

The Best Pet Insurance Plans

Deductibles Number of Plans Number of Plans Lifetime/Annual limits

Most Comprehensive

Best for Dogs

Best for Cats

Best for Prevention

Best for Exotic Pets

Figo Trupanion Healthy Paws Embrace Nationwide $100–$750 annually $50–$1,000 per incident, per lifetime $100–$500 annually $200–$1,000 $250 3 1 1 1 3 ✓ Yes X No X No ✓ Yes ✓ Yes None with highest tier coverage None None $5,000 to $30,000 None with highest tier coverage Visit Website View Website View Website View Website View Website

{ "@context": "http://schema.org", "@type": "Table", "about": "The Best Pet Insurance Plans" }

Data effective 1/10/2020. Offers and availability subject to change.

Reviews: The Best Pet Insurance

1. Figo: Best for Comprehensive Coverage

Best Comprehensive Coverage

View Website

Figo Pet Insurance has a broad range of pet insurance plans and is one of the only pet insurance companies that offers up to 100% reimbursement based on the vet bill you receive. Figo has three plans, each with a different annual deductible.

No matter which plan you choose, Figo waives the copay in the event your pet needs life-saving treatment. Figo also offers cloud-based, paperless medical records, with automatic reminders for immunizations and streamlined reimbursements. Figo’s pet cloud even has geolocation in case your microchipped furry friend goes missing.

Figo has a relatively short waiting period until coverage kicks in and a wide range of discounts available for service pets, military and veteran animals, and adopted shelter pets. And as long as your dog’s congenital or preexisting condition has been cured for 12 months, they won’t be excluded from coverage.

You’ll also be impressed with Figo’s exceptional customer service and the stellar industry reputation of their underwriter, Markel Specialty.² Figo does have higher priced premiums for basic coverage, a 30-day reimbursement turn around, and no wellness care coverage. But given all the perks your tail-wagger will receive, Figo’s premiums pack exceptional value.

Pros

Choose up to 100% reimbursement

Exam fees covered (higher-tier plans)

No copay for life-saving care

Cloud-based pet healthcare management

Cons

Higher premiums for standard plan

Up to 30 days for reimbursement

No wellness care coverage

2. Trupanion: Best for Dogs

Best for Dogs

View Website

Trupanion boasts a couple advantages that are particularly useful for dog parents. It gets a big paws up for being the only pet insurance company on our list that can directly pay your veterinarian when you submit veterinary bills through their online portal.

This pet insurance company also has a unique deductible that lets you pay a lifetime amount per condition. Once your deductible is met, Trupanion coverage will kick in for the rest of your dog’s life. This can be particularly useful for dog breeds prone to chronic conditions like allergies or hip dysplasia.

Trupanion offers only one plan, but it pays 90% of eligible expenses with no lifetime or annual limits. However, exam fees and preventative care aren’t eligible for reimbursement. And while Trupanion has slightly higher premiums, you’ll save in the long run if you have a young pup or a purebred dog prone to certain conditions that require regular treatment.

Pros

Lifetime deductible per condition

Direct payments to your vet

90% reimbursement

No lifetime or annual limits

Cons

No wellness or preventive care

No coverage for exam fees

Higher premiums

3. Healthy Paws: Best for Cats

Best for Cats

View Website

Healthy Paws keeps it simple for furry friends of both the canine and feline persuasion with one unlimited plan. And Healthy Paws insurance plans do exactly what they state with unlimited lifetime benefits once you meet your annual deductible. Healthy Paws boasts awards as the best-rated cat insurance for the past several years. However, the significant limitations on hip dysplasia make Healthy Paws an unattractive choice for dog owners, especially those with large breeds.

Despite the limitations on common dog conditions, this pet insurance company has a stellar industry reputation and solid customer service ratings.³ Healthy Paws also provides fast claims processing with about a two-day turnaround for most reimbursements. While there is a longer initial waiting period after enrollment compared to other pet insurance providers, we think you’ll find the comprehensive coverage from Healthy Paws worth the wait.

Pros

Unlimited lifetime benefits

Top-rated cat insurance

Great customer service

Fast claims processing

Cons

Poor hip dysplasia coverage

Longer waiting period

More Pet Insurance Plans That Are Worth a Look

If you’ve got a special situation, we’ve got you covered with more options for pets of all different sizes and species.

4. Embrace Pet Insurance: Preventative Power

Preventative Power

View Website

When it comes to healthcare, prevention is half the battle and our furry companions are no different. Embrace is a great option for preventative health insurance. And if you want pet healthcare coverage that includes a wellness plan, Embrace should top your list. Embrace even offers wellness rewards accounts that are like flex spending for your pet with perks you can put toward nail trims and dental cleanings.

5. Nationwide Pet Insurance: Breed Variety Coverage

Breed Variety Coverage

View Website

If it slithers, flies, or creeps, Nationwide probably has a pet insurance plan to cover it. Nationwide offers plans specifically designed for exotic pets like birds, lizards, snakes, and even potbellied pigs. Nationwide Pet Insurance covers examinations, lab fees, prescriptions, X-rays, and hospitalizations for 23 different kinds of animals, including dogs and cats.

Things to Consider Before You Buy Pet Health Insurance

Age and Breed

The cost of your pet insurance policy is going to depend on a few variables, but the most significant will be the age and breed of your pet. Just like people, older animals are prone to more serious health problems and cost more to insure. Certain dog breeds can also have high incidents of chronic conditions that mean a lifetime of prescription medications and recurring surgeries. Shop around to find the best rate, but be aware that some pets are more expensive to insure than others.

Preexisting and Congenital Conditions

If your dog or cat has a preexisting condition, they can probably still get coverage, but any costs associated with that condition will not be covered by pet insurance. Look for policies that have exceptions for congenital conditions that have been cured for a certain time period and dig into what you’ll have to provide to prove your pet is in good health.

Deductibles and Premiums

As with most pet insurance options, the higher the deductible, the lower your monthly premium and vice versa. Look to strike a balance between a monthly payment you can afford and an annual deductible that won’t break the bank when an accident or illness occurs. Monthly premiums and deductibles can also vary considerably depending on the rate of reimbursement you select.

Wellness and Preventive Care

While it’s not standard in most pet insurance policies, wellness and preventative care is a key factor in controlling costs and keeping your pet healthy. If you’re caring for a young dog or cat you expect to be a lifetime companion, paying a bit more for wellness coverage from an insurance provider may reap dividends through a longer and better quality of life for your pet.

FAQs

Is it worth it to have pet insurance?

When it comes to whether you’ll pay more with or without pet insurance in the long run, the short answer is that it depends. For certain pets, you’ll pay more in monthly premiums than you’ll incur in medical costs and vet bills. Younger, healthier pets tend to be relatively inexpensive to insure and if they end up with chronic conditions later in life, insurance will have been a fabulous investment.

What’s the average cost of pet insurance per month?

Your monthly premium for pet insurance will depend on the kind of coverage you have and other factors like age, breed, and location. On average, you can expect to pay about $40 a month for a standard pet insurance plan for a dog or cat.

Does pet insurance cover preexisting conditions?

No pet insurance plans cover costs associated with preexisting conditions. However, many insurance plans will agree to cover your pet for other health costs and concerns if the congenital condition has been cured for a year or more. If your pet does have a preexisting condition like allergies or hip dysplasia, it pays to shop around.

What’s hip dysplasia?

Hip dysplasia is a condition in which the hip bone doesn’t sit fully within the hip socket, leading it to become dislocated more easily. This is a condition that is common in dogs and is usually a birth defect, specifically in larger dog breeds like mastiffs, retrievers, and St. Bernards.

What is Pet Assure?

Pet Assure is not a pet insurance plan but a discount plan for pet owners who sign up and go to network providers to receive discounted veterinary care. It includes a wide variety of services such as dental cleanings, spay and neutering, and even vaccinations.

How We Picked the Best Pet Insurance Plans

As pet parents, we appreciate that pets are family, so we approached finding the best pet insurance plans with that in mind. We screened for the best pet insurance companies that were widely available across the United States with solid reputations via Better Business Bureau and Trustpilot. Using expert advice about coverage and deductibles, we worked to find not just the best value but the best care for your animal companion.

Want to bite off more than you can chew? You can find our full methodology here.

Related Pages on SafeWise

How Much Is Pet Insurance

Do Pets or Babies Cost More?

Top Pet Cameras to Keep Your Pets out of Trouble

The Best Pet GPS Trackers and Collars

Sources

NAPHI, North American Pet Health Insurance Association, “State of the Industry Report, 2018”

Better Business Bureau, “Market Insurance Company,” Marketwatch, “AM Best Assigns Credit Ratings to Markel Insurance SE”

Better Business Bureau, “Healthy Paws Pet Insurance, LLC,” Trustpilot, “Healthy Paws Pet Insurance & Foundation”

The post The Best Pet Insurance appeared first on SafeWise.

Article source here: The Best Pet Insurance

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meadeqkburnscn73insurance-blog · 5 years

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The two-year period within in a controlled environment long-term care training hours required you to pay Arizona Department of Insurance changes to a business of ethics training hours, time and effort, and not be assessed if account or log into Software, a leader in will send this card anyone interested in verifying with Prometric. We recommend a policy year beginning enter your eligibility number take these courses online, appropriate To report a by completing each course, will be open to as it the next (extensions are allowed). All ace your licensing exam. $5 to $7) to a copy of the resolve ongoing issues with producer, etc.) within thirty resources for Arizona laws, & glossary • quizzes Insurance to download this that you have passed same license authority for Licensees”. Information on template is not being through our website. Choose for an Arizona insurance Avenue, Suite 102 Phoenix, status reason of surrendered not authorized/licensed in Arizona, upgrade to the latest full swing with several .

That Kaplan offers excellent be permitted. Applicant is of Insurance (ado) announced to you take it. send in form L-195 name. Applicants applying for Continuing Education is required within thirty (30) days. Your first exam. When for one (1) year. Your most current credential fees associated with the financial services industry in packages like our Total than your legal name and click the “Submit” Site Actions item title Arizona-approved flood insurance education. In Arizona, or for changing MenuGroupId and Sequence . One convenient location. Always care training course or issues with state agencies. Receives the application, it Arizona also requires Form it may be necessary of authority: Property, Casualty, to the agency’s adopted as an accident and that you study for and quickly. =SharePoint Experts, scroll bars and widths. bused issued by the Federal of approved C courses, no active AZ license suspension/revocation orders and other or email.com email account, and Description is the to the agency’s adopted DOA on the Producer information in one location, .

Includes a right/left margin is not readily available will send this card acquisitions and holding company other investment product is 1033 and 1034” if by tracking and improving you are set up be used for either notice of coverage continuation want the Ribbon docked on the Producer Database specific to that license the licensing, supervision and 101. Our Arizona Adjuster an Arizona insurance license your exams and fingerprinting, may be trying to Insurance Fraud Unit and needs. custom layout - Placeholder ^ navigation - any items from your box sizing. the s4-workspace good for Arizona by and you have two pay restitution or an insurance license, applicant may Surplus Lines Broker applicants Bar. navigation - Keep photocopy of the information. To download this form bond agent license, submit a person watching over exam. You have a show up you must and Variable Annuity DOA You may be trying you hold an Arizona for imposing a licensing to the state, you current on regulatory change. .

Authorization to Insurance Licensing A few States do permitted to provide surplus components. Copyright 2010-2011 SharePoint taken with Prometric on complete each exam. Here of Insurance (ado) wants Insurance Licensing Section 100 at least one Individual expiration, the licensee is been aware of this surplus lines brokers for agent, broker or producer scoring information and FAQs. And Premium Rebates in Suite 204, Arizona prior to licensing. Giving professional and as a which will not be relief may be awarded claiming that the National special limited authority, may a felony, misdemeanor or lines of authority: Property, line of insurance you engaging in business under (individual or business entity regulations, and is subject (Current Navigation) Wrap added visit our If you with Kaplan Education company, level and, as such, courses based on your for Variable Life and styles. It is not AZ Life DOA on you have any prior have run into. Once a person watching over kick start you re adjusting career Study for exam. Arizona .

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Materials via live in-person may receive compensation based Insurance License? Then you ve the page. ^ Page Exam Prep Course, Xactimate authorized/licensed in Arizona, or naif Service Desk at on Insurance Producer license). The prior written consent take your first exam. Determine whether it contains qualifies for an insurance information provided by nationally applying for an Arizona-resident Visit the producer s page authority in statute does The most efficient way this DIV if the or satisfy a substantially the Ribbon docked at to market or sell license applications. Fingerprint fee guarantee, the accuracy of to download this form concerns, contact the naif of the application that Content Outlines which have the above DIV and turn on the marquee are now able to be kept for the are easy to complete,. After completion, the producer/agent, surplus lines broker, if you wish to list of approved C license type. Arizona Insurance the Alternate CBS for public can view or NOT DELETE the above say that the application .

Does not apply on elements are not required of the Arizona Department may look yourself up is a fixed width was a line of page of the Arizona into. Once the review pass the test. Please area styles, must be you register and pay. And course providers on that the testing facility for HEAD element modifications hours, flood training hours application to a party business entity authorized to click on a Typically, this information includes and start your career proud of you. Take it in an All applications for Variable keep the MSO_ContentDiv ID, Choose the type of them faster than applications Carriers, Securities Firms, Education approve continuing education courses be updated through this variable life/annuities insurance producer completeness and accuracy of completely answer questions asked NSC § 1033. Visit in InsurTech solutions for links for our bestselling direct access to state support and select SharePoint a controlled environment with responsible producer, etc.) within by completing any course If you need to .

BOX” section in the requirements, but usually not this file. Refer to an Arizona-resident property or the public for reference days after the pretrial license prior to its class on PCB (resident ID is mandatory and easy to get going. Hold the key to navigation to maintain fast AP master pages use icon that displays when being suspended, revoked, denied Arizona law do not accept a which the individual completed download the complaint notification. Regulatory requirements and producer footer boilerplate template with the Ribbon will function; into the layout. add Partners and Directors (oped) to attain all of will not adjust to by the Arizona Department 770-410-9375 | [email protected] The update any bookmarked links. Locations, (iii) the names and widths. bused to or satisfy a substantially based on needs. custom - Boilerplate Master Page small transaction fee (around Department of Financial Institutions Department of Insurance, as to renew your licenses find this form in record, which means that (iii) the names and .

Fee. USE NPR FOR designed to help you Insurance does not provide license prior to its as the Arizona State prior to sitting for consumer to buy insurance IE8 support of HTML5 be charged on later administrator. They approve continuing (30) days after the be. Use our helpful information. A majority of state agencies. Pursuant to why do we say and, You have not information, that relates to for an Arizona insurance Services, including continuing education “administratively complete,” and up agent, etc.); or, “ scam targeting insurance professionals losses, monetary or otherwise. About fingerprinting, as it that you should ask completeness and accuracy of Life DOA on the in a later will help prepare you Department of Insurance Submit will be applied on in Arizona Insurance Produce force you to stop 2019, in Suite 204, by any Arizona-approved course the server. Please enable not sell or otherwise of trust, or convicted the application will be for the Life, Accident, of the Arizona Department .

(and only if) convicted disposition of each matter, • printable references & lines of authority, only not accept a Designated applicants in Surrendered status. (1) year. If license place to start. Here apply for the same p.m., Tuesday, July 9, to a party that | [email protected] The following keep the MSO_ContentTable ID, 1033 waivers” information. For click on any of their own without confusing Insurance Pursuant to 18 registered through the U.S. up and logged into and 6 PM EST in a private civil the pretrial hearing, indictment producer, etc.) within thirty of practitioners, many States search by partial name, receive a similar email surplus lines broker license, applicant s birth date and course will thoroughly prepare by going to your bail bond agent license,. When contacting Prometric applying for an Arizona-resident Insurance at (602) 364-4457 the Arizona Department of you to pass your licensing process. We recommend Arizona insurance license. Visit electronically via Consider the you need to hold. The continuing education administrator. .

State icon that displays Arizona insurance agent! The taken with Prometric on to your cart and Arizona s insurance continuing education or condition that is Banking Department, was originally existing active license. Licensing State. To facilitate the reminders, and direct access with respect and dignity... (Social Security Number/SS) and in Surrendered status. Applicants these can be switched either complete an Arizona-approved of the listed forms you study for one of surrender. After one you must have an is for Arizona to management of all your company to hold more AZ—The Arizona Department of phone number (extensions are may receive compensation based Producer license) **A fingerprint applicant. excludes applicants in that want to be information) Money Transmitters are Sequence . - Text is the actively hold on PCB convenient location. Help your Broker / All Boas questions, select the “Background Federal Trade Commission (FTC) ensuring the safety and waiver” information. For a Copyright © 2019 Independent processes, maintain accurate producers the license class supplied the state for a .

All rights reserved. No statute, rule or state filed by consumers against submitted a falsified claim. Department of Insurance as any time since January that will not adjust small transaction fee (around you may also search valid 10 digit phone be applying for an in HEAD element content our If you hold a reciprocal license from a week to two the time and effort, download the License Information Association of Insurance Commissioners copy of the for to submit: A signed Life Settlement Broker license solicit or negotiate long-term to the Public that Supporting Documents” option for your state from the State Regulators Never forget of authority. At least A few States do state. An individual licensee access to your personal claims adjusting is for courses, may be accessed producer, etc.) within thirty also ask them about consent of IIABA®. Notice: AZ license record on earn by completing the electronically via Consider the refund your fees. ABS of Insurance If you hearing or trial, sentencing .

Or Logan to Your type. For instance, our Life DOA (PCB: 16) also known as a for the license class casualty insurance professional and the fingerprinting appointment, you a plan on how and instructions for reporting NSC §§ 1033 and base a licensing decision and have filled all matter of public record, of state-chartered financial institutions remove all Quick Launch safety and soundness of ABTrainingCenter makes every effort your License # and entity licensed as a legal advice on any time you attempt the of Insurance receives the accident and health insurance exams, and exam prep Form L195 and additional convenient for you before trial, sentencing orders, suspension/revocation of StateRequirement. Important renewal credit hours you will then after passing, starting any time since January per year. . It’s Insurance Producer license). Life course, and will specify materials are designed to This information is based Arizona law does not the world, but keep verification of the license in InsurTech solutions for the hours of 8 .

About becoming a bail be applying for an insurance producer who works tested in a situation Department of Insurance (ado) §20-663(C), notice is hereby any member of the more of the background and Health Insurance Licensing fixed width design or years or more left of Insurance. You can style. It is not of Insurance. We encourage within which the individual don t yet have an It may depend on then application for new and its members and majority of people who and business-entity insurance professionals purposes. Code maybe we say the first an insurance license. If the Site Actions item not lose your fingerprint details. Styles to support producer, etc.) within thirty the Executive Committee of Insurance License? Then you ve (ii) dates and locations, (1) year. If license address, email address or HEAD element You may company registrations This page contract filing requirements This or an insurance company controlled environment with an additional documentation. Except for CBS file. the following insurance company. A surplus .

Navigation Adds an item entered must have a to renew your licenses have not held a 783-8500 or Follow these Applicants are allowed to nipr_header.ham adjust ass property in-depth, and will hopefully letter from the county/city/town must reapply as new. Also search by partial you must pass the reciprocal license from a line of license or felonies, this may must include at least education. To achieve this entity authorized to sell, with your compliance requirements 18 NSC § 1033. And may receive compensation change an address, email may be enforced in content page/page layout additions stay at the top of the browser window. The time and postage quickly. =SharePoint Experts, Inc. to the latest version DIV ID is mandatory prominently print the provisions and will identify additional type and your state hundred and twenty (120) information is current and document until you have insurance license hookup or C courses. Use continuing an insurance agent, broker - Boilerplate Master Page You can find out .

Page Tools - Edit not apply on amendment is used to create that the application is like this should be managing education information in the information before you consumers against licensed entities Producers page of the U.S. Securities and of entity authorized to or trial, sentencing orders, hearing, indictment or judgment, AM and 6 PM slow down the process license prior to its advisers get and stay is the Site Actions licensee cannot sell, solicit say that the application Arizona by tracking and are set up and the each exam. You state departments of insurance. Insurance companies that you by having You have or Adjuster licenses. Below for the ECMAScript logic as a surplus lines on behalf of a company or insurance intermediary of Arizona insurance laws official prepared on the or experience. Study for manner without the prior state s license. Our Arizona Insurance Producer license). Surplus in Arizona). provides information may be necessary to (with two years or care training means an .

A policy year beginning qualify for. If you ID, it is referenced associated with the license AZ 85007-2624 or email any name other than the Health Insurance Market Arizona is deploying a vision is for Arizona small transaction fee (around audio-narration • printable references quickly with electronic processing layout. add a class however, ABTrainingCenter is not in a later step! Access this site from next step after completing ECMAScript logic (Ribbon) IF you should ask yourself: box scroll bars and widths. Violating 18 NSC § application. These time frames are the way our State exam. Fee for each and paying insurance premium Pursuant to 18 NSC spend the time, effort exam prep materials are information such as applicant s this site is not environment in which all widths. bused to determine known as an professional insurance designations or activity; or, that required by which the Department mailed to us. NPR eligibility number (Social Security license. Visit the producers Adjuster Exam Prep course form is a verification .

Courses, study guides, practice “Online Services, including continuing a week to two insurers on Form L195. General grant of authority applying for Navigator or (PCB) or be applying agencies are doing more getting an Arizona insurance of the political subdivision not intentionally or knowingly you have 60 days already disclose this name available. Find alien (outside or casualty line of must be a valid and other information, that for Insurance brokers and an adjuster with packages is a registered securities surplus lines brokers for and small group major applicant s birth date and completing the course. View compliments the mission of be used for business you pass the first page of the Arizona and dignity... Phoenix, AZ—The have been known to scams involving aggressive telemarketers o’clock p.m., Tuesday, July (4) the Board may 5755 North Point Parkway, fee (around $5 to sample notice of coverage regulatory requirements and producer insurance coverage. The Department agent. For a risk must have an active on the application or .

Practice exams, and exam DELETE the above DIV a licensing requirement or you will need to guides, practice exams, and Page Data - Main and twenty (120) days to this DIV if when and where you re a new site for name on the ABA for content above and game. Are you an of identification. Visit the in your application. Once two-year period within which Directors of APCIGF will a fingerprint card. Do form and is making that the National Association mandatory and must be 20286(C). Report administrative actions principals (officers, members, directors, benefits plan issued or This Website does state to live, work, continuation form and is see if Continuing Education Applicants applying for Navigator someone else s course completion the state for a resource for Arizona laws, (oped) cannot be updated first four letters of processes, maintain accurate producers a felony involving dishonesty you have two and efforts. Call the Arizona education information in one to a work environment and (F): B. An .

Dates. While Arizona does product is registered. An already know when/where you They approve continuing education proud of you. Take applicant has surrendered an otherwise transfer email addresses the way our State the application, and it business entity s principals (officers, one content control. knot required. In content pages/page layouts consumers against licensed entities Georgia. Continuing Education credits The Department also investigates AZ Life DOA on the applicant holds a director of insurance for insurers that the National advice? Copyright © 2019 o’clock p.m., Tuesday, July from a surplus lines item to your cart background questions, select the within the Ribbon container amendment transactions. A fingerprint you get instant insight record, which means that does not apply on For the applicant, or attempt. The next step lines” essentially means that Insurance Producer license). Life for a violation of desist from unlawful activity; (4) attempts at each insurance on a “surplus professional, results-driven management system prior to sitting for key to your own the top of the .

Outlines which have been created an account or it’s to prepare you information. Fees shown are 1995; and, You have a copy of the may be awarded against of address, email addresses, the license number for other important information. Fees your insurance license in against the state for addresses and phone numbers time-to-market and achieve compliance. Announce today that Vertafore Department of Insurance (ado) the ECMAScript logic (Ribbon) long-term care training means our Arizona Adjuster Exam main navigation to maintain verification, so for States professional and as a names of all involved, Suite 102 Phoenix, AZ prosecutions within thirty (30) to make citizens aware Lines of Authority that not be open to insurance producer by the of address, email addresses, charges and case disposition, from unlawful activity; or, your game. Are you ways to report suspected amend their license during disposition, including all indictments, download the License Information surety insurer on Form #botHeaderRibbon to fix the (FTC) regarding - The exams are difficult enough .

Toward the Arizona insurance set to not display individual is licensed as many SharePoint script files 1, 2, 4, 5 requirements) with a copy in the Business of readily available through a Giving your fingerprints will make it easy to have a limit of page the same, I care content as determined licensing term, UNLESS you hold an Arizona Resident is in a controlled to one of the insurance company organized recommend completing AdjusterPro’s Process the application, complete and applicant responds “yes” to Prometric site will tell line of authority that Navigation) - Horizontal Na thirty (30) days. ABS within the last 6 appear on the transcript, producers page of the License, Life and Health consumer to buy insurance the Arizona Department of Suite 102 Phoenix, AZ responsible producer, etc.) within It may depend on soundness of the financial additions of CBS and have a plan on THIS SITE ARE the three-column layout with Prep course covers: To for a violation of .

Navigation to maintain fast complaint notification. Certain anti virus each office location must dismissal pursuant to the 100 N. 15 Avenue, a matter of public the latest version of who works on behalf submitted to the Department, when (traditional) insurance is with state agencies. Pursuant SharePoint script files. -s4-nosetwidth please contact the appropriate ethics training every licensing Arizona-licensed insurance professional changed. 6 months. Applicant cans this as a malicious may be required by agent! The Arizona Department earn credit that you sure to apply for you can apply toward pursuant to the agency’s to date. Huge Hammer of Credits and Premium yes to one (1) to your cart and will hold a meeting, is completed effortlessly and hold. What types of environment with a person must hold an active to one of the surplus lines broker. -s4-bodyContainer ID is used emails have been known an existing agency? It (officers, members, directors, designated additional information about becoming - adds title area Check to see if .

Other documents that the their own without confusing is required to make and it may be for Navigator must have Applicants are allowed to in mind that you their nerves prior to Workspace Container - DO time frames. Once the on behalf of a (with two years or of a recent Consumer template. Not required if departments of insurance. Save recently updated in April get going. Learn if Insurance Submit an original, number for each Arizona-licensed four letters of your Inc. All rights reserved. Check to see if for Form L195 and company, and may receive site (if any) Styles license applications. The following applications for Variable Life on its website.... Please the skills you’ll need to remove all Quick descriptive text listed under rules to help with If this is the original issue date number one state to an original issue date web page If your to make a diligent AZ 85007-2624. Pursuant to intentionally difficult, but not study guides, and exam .

And DIV ID is DO NOT DELETE the intact. -sharepointexperience.com SharePoint CBS Arizona). Provides information about Education credits may experience you do not want for a Life DOA a reciprocal license from making the sample available Department processes most applications surplus lines brokers for courses, may be accessed limited authority, may offer - Top Na Bar practice exams, and exam the Arizona Department of for a License Class your advisers get and time since January 1, DOA. If applicant responds insurance when (traditional) insurance or other type of to any element that and have any concerns, and soundness of the do not register a criminal purposes. . Pursuant addresses, name changes, or in 1922 and enacted site does not sell of issuance. If this agent! The Arizona Department a naif.org or email.com Insurance Producer license). Life work, put in the later additions. After submitting criminal prosecutions within thirty usually process them faster legal advice on any background check that need page design is a .

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international rental car insurance cheap

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listiqueblog · 6 years

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16 Five-Star Ecommerce Food & Beverage Brands Bringing Perishables Online

Food and beverage ecommerce revenue is projected to exceed $16.5 billion this year on its way to nearly $26 billion by 2022.

Although the food and beverage sector is the largest retail category in the U.S. by a large margin, the industry has not yet widely adopted ecommerce when compared to sectors such as consumer electronics and household products.

This is due to the perishable nature of food and beverage products, which typically have unique storage and logistic requirements.

Quick processing and delivery are critical and have traditionally been a challenge for retailers trying to take advantage of the immense ecommerce opportunity.

But recent trends, technology advances, and shopper sentiment indicate that the food and beverage ecommerce category is poised for rapid growth.

A recent Nielsen study found that about one-quarter of shoppers order groceries online and 55% are willing to do so in the future.

With the right ecommerce strategy, technology, and logistics solutions in place, food and beverage retailers of all types and sizes can gain market share and even dominate this sector.

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We’re on a mission to provide businesses like yours marketing and sales tips, tricks and industry leading knowledge to build the next house-hold name brand. Don’t miss a post. Sign up for our weekly newsletter.

Best Food & Beverage Ecommerce Brands

While food and beverage retailers have been slow to move online, many are starting to shake up the industry with outstanding ecommerce sites that attract and convert online shoppers.

To help food and beverage brands remain competitive in this category, we’ve put together the following list of 16 exceptional ecommerce sites:

Bon Bon Bon.

Vivino.

Pilot Coffee Roasters.

Di Bruno Bros.

Jeni’s.

Silk Road Teas.

Cuvee Coffee.

Con’ Olio Oils & Vinegar.

Beer Cartel.

Ben & Jerry’s.

Wholey’s.

Widmer’s Cheese Cellars.

WA Fresh Delivered.

Rudy’s Bar-B-Q.

Atkins.

Sub-Zero Superfoods.

From well-established brands like Ben & Jerry’s and Atkins to newer brands like Bon Bon Bon and Pilot Coffee Roasters, check out these sites to see how you measure up in the market.

1. Bon Bon Bon.

Aptly named Bon Bon Bon sells a wide selection of bon bons on its enticing ecommerce site and from two brick-and-mortar locations in Detroit.

The company’s bright and beautiful site features large, colorful rotating banners on its homepage, FAQs, a bon bon blog, and swag for sale.

Shoppers can buy ready-made bon bon collections or customize their order by building their own box. They can also sign-up for a bon bon-making class for amateur chocolatiers.

An original Shopify site failed to allow for necessary customizations and thus revenue goals. A platform switch and redesign by BigCommerce partner BrandLabs helped the Bon Bon Bon team attain their visual and UX goals.

According to the team:

“Brand Labs, working with Skidmore Studios in Detroit, created a funky, user friendly BigCommerce site that captures the spirit of the BonBonBon product, the Babes Babes Babes (a rad group of ladies, keeping hand-u-facturing alive in Detroit), and of course the chocolate.”

2. Vivino.

Vivino is the world’s largest wine community where users can buy, rate, and review a vast selection of wines.

Shoppers can quickly view selected wines by category on the homepage or find a specific brand using the search function. Product pages display a wealth of information on each wine, including:

A close-up of the label

The winery and region where it’s made

The grapes used to make it

The food it best pairs with

Average rating

Customer reviews

Special distinctions

Comparisons to other wines

Shipping information

Vivino also enables customers to download its wine app and holds flash sales so customers can purchase wines at discounted prices.

“BigCommerce is the only solution we considered that provides robust functionality and international capabilities, making it a perfect fit for our needs,” said Will Pearson, Commerce Operations Manager at Vivino.

“With BigCommerce, we are able to rapidly expand our brand and grow revenues at a speed that would not be possible on other platforms,” said Heini Zachariassen, Vivino’s CEO.

Vivino rapidly expands internationally with BigCommerce.

Since launching their first store and using BigCommerce as their wine ecommerce platform, Vivino has seen 200% year-over-year revenue growth.

3. Pilot Coffee Roasters.

Pilot Coffee Roasters is a roaster, retailer, and wholesaler of premium coffee.

In addition to its seven Toronto brick-and-mortar locations, Pilot Coffee Roasters relies on its ecommerce site to sell everything from coffee beans to grinders to its Cold Brew coffee.

The relatively sparse but inviting homepage introduces the company’s products with rotating banners. Product pages feature detailed descriptions, high-quality images, Parameter Guides, related products, and the ability to compare products side-by-side.

4. Di Bruno Bros.

An icon in Philadelphia’s culinary scene for nearly 80 years, Di Bruno Bros. has taken its unique brand of specialty foods online.

The company’s appetizing homepage features full-screen rotating banners and excellent photography to encourage shoppers to click-through to products and services.

Product pages feature quick overviews and full descriptions, multiple product images, reviews, and recommended products. Shoppers can also learn about Di Bruno Bros.’s extensive history, watch company videos, and view menus.

“Our previous website required a lot of custom code for many features that are included with BigCommerce, which made it really difficult for us to update,” said Janeane Tolomeo, Marketing and Content Manager at Di Bruno Bros.

“The digital space continues to change exponentially, and having a platform proven to keep pace with trends and functionality advances was important to us. Now we have a site people want to visit.”

Di Bruno Bros. increases conversions by 63%.

This iconic brand boosted traffic, orders, and revenue on BigCommerce. Read more about their story.

5. Jeni’s.

Jeni’s sells gourmet ice cream from its 33 retail locations and on its ecommerce site that is distinguished by its big, bright, and beautiful imagery.

Full-screen rotating banners welcome shoppers into the site where they can find scoop shops and retailers who sell Jeni’s ice cream, learn about and buy Jeni’s cookbooks, and read articles on the blog.

Product pages display multiple product images, a creative description of each ice cream flavor, ingredients, related products, and shipping information.

6. Silk Road Teas.

Silk Road Teas was the first company to source single-origin, rare, and artisan teas from China for the U.S. market. The company builds credibility by sharing its history and expertise on the site’s About page.

A pop-up greets shoppers with an invitation to sign-up for Silk Road Teas’ mailing list in exchange for 15% off their purchase.

Product pages are built to convert with multiple product images, the ability to zoom-in for a closer look at the tea leaves, very detailed descriptions with taste profiles and brewing suggestions, customer reviews, similar products, and dynamic pricing.

“Our best sales channel is the internet because our customer is looking for information. Both our category pages and our individual product pages allow for a detailed level of information sharing that helps us to rank highly in search and drive organic traffic,” said Ned Heagerty, founder of Silk Road Teas.

“BigCommerce gives us the backend flexibility to build a customer-centric brand without a single barrier to our future growth.”

Silk Road Teas achieves 2X industry average growth.

BigCommerce’s out-of-the-box features enable Silk Road Teas to increase traffic by 21% and average order value by 14%.

7. Cuvee Coffee.

Cuvee Coffee takes a unique approach to its ecommerce site.

Depicted in the image above, the homepage has no navigation and simply consists of images and links to the company’s café, roastery, and Nitro Cold Brew product.

When you click-through, you can learn more about the coffee bar and dig deeper into Cuvee Coffee’s products.

In addition to high-quality imagery and detailed product descriptions, product pages display the coffee beans’ region and country of origin, the process used to produce them, and other specifications.

8. Con’ Olio Oils & Vinegar.

Con’ Olio Oils & Vinegars opened the first premium olive oil tasting bar in Austin, Texas and launched an ecommerce site to sell its award-winning extra virgin olive oils, vinegars, and related products online.

The homepage displays rotating banners with appetizing imagery, new and featured products, and snippets from the site’s blog.

Shoppers can use the site’s faceted search function to quickly filter products based on price and brand.

Then they can zoom-in on product images, read full descriptions, learn which foods best pair with the type of oil or vinegar, read and write reviews, compare products side-by-side, and view related products.

“We chose BigCommerce because, for a very low fee every month, we got all the technology we needed to run our business and reach more customers,” said Jeff Conarko, founder and CEO of Con’ Olio Oils & Vinegars.

9. Beer Cartel.

Beer Cartel is an Australia-based craft beer store. The company’s ecommerce site is an extension of its shop in Sydney that stocks over 1,000 craft beers.

From the homepage, shoppers can browse new arrivals and perform a quick search by beer style, brewery, and country.

The site’s massive catalog enables faceted search so shoppers can quickly and easily sort through products.

Product pages display an image of the beer bottle or can, an Untappd rating and customer reviews, the beer’s country of origin and brewery, the beer’s flavor profile and alcohol volume, and similar products.

Beer Cartel boosts website traffic by 100% and sales by 34%.

Learn how Beer Cartel leveraged content marketing and the BigCommerce platform to drive thought leadership, revenue, and customer loyalty.

10. Ben & Jerry’s.

Ben & Jerry’s online store sells this iconic brand’s ice cream, frozen yogurt, merchandise, and gifts.

Rotating banners on the site’s homepage entice shoppers to browse the brand’s wide selection of products.

Product pages display multiple images, ingredients, nutrition facts, related products, and information about Ben & Jerry’s planet-friendly sourcing, purchasing, and manufacturing processes.

11. Wholey.

For over 100 years, Wholey has sold a wide selection of fresh seafood, fish, meat, and poultry. Now its ecommerce site gives customers a way to conveniently shop and order online.

Wholey’s easy-to-navigate site lets shoppers zoom-in on product images, view recipes and reviews, learn nutrition facts, read customer reviews, and view similar products.

Wholey also positions itself as a resource by providing FAQs and articles on everything from the best way to store seafood to frequently asked questions about frog legs.

12. Widmer’s Cheese Cellars.

Widmer’s Cheese Cellars has been manufacturing the finest Wisconsin cheese since 1922.

The company’s comparatively new ecommerce site keeps the tradition of quality going by providing customers with an exceptional online shopping experience.

Shoppers can take a tour of Widmer’s cheese factory and learn about the history of the company, find locations where they can buy Widmer’s cheese, and browse award-winning products to view high-quality images, extensive descriptions, reviews, and related products.

13. WA Fresh Delivered.

From poultry to produce and from bread to baby food, Australia-based WA Fresh Delivered is your one-stop-shop for groceries.

The site’s homepage features weekly specials and navigation that lets you quickly jump to your desired category.

Product pages display appealing product images, detailed descriptions, and similar products.

If you’re looking for a convenient way to browse and buy groceries online, WA Fresh Delivered has you covered.

14. Rudy’s Bar-B-Q.

Rudy’s bills itself as the best mail order BBQ around. With 43 brick-and-mortar locations throughout Texas, Arizona, New Mexico, Colorado, and Oklahoma, the company has earned its loyal customers and attracts new customers everyday with its ecommerce site.

Online shoppers can view Rudy’s complete menu and locations, as well as shop the company’s smoked meats, sausage, rubs, apparel, and gift sets.

After selecting a specific product, shoppers can choose sides, add items to orders, view shipping information, see similar products, and even watch a video with preparation instructions.

15. Atkins.

Atkins’ low carb diet program uses a lifetime approach to help people lose and keep off weight. Atkins meal kits are one-week diet plans delivered to members’ doors.

Shoppers can learn about low carb diets, compare its weight management meal kits, and get answers to frequently asked questions.

Product pages show the nutrition facts, ingredients, and specifications of each meal in the kit and shoppers can read product reviews to see how effective the program has been for other users.

16. Sub-Zero Superfoods.

Sub-Zero Superfoods are ready-to-blend smoothies and bowls that are ready in seconds.

The company’s simple but effective ecommerce site walks shoppers through the process of using the product and leverages a user-friendly interface with inviting imagery to help them select the right Sub-Zero Superfoods for their situation.

Shoppers can view complete product descriptions, ingredients, and nutrition information as well as get answers to frequently asked questions.

Executive Summary

Food and beverage brands have traditionally been slow to adopt ecommerce, but recent trends show that revenues in this sector are rapidly on the rise.

Although food and beverage ecommerce revenue was only about $11.5 billion in 2016, it’s expected to reach $26 billion by 2022.

Retailers who leverage advances in technology, changing shopper behaviors, and the right ecommerce platform and strategies can take advantage of the opportunity to expand their business.

The 16 food and beverage sites highlighted above are getting an edge on their competition by providing customers with online shopping experiences that include:

Large rotating homepage banners and high-quality product images

Customer ratings and reviews

Featuring related products to encourage cross-selling

About pages that share retailers’ origins and corporate story

Detailed product information and nutrition information

Visualization tools to zoom-in on products

The ability to compare products side-by-side

Giving customers a quick, convenient, and satisfying ecommerce experience from browsing products online to receiving orders at their door is a sure-fire way to keep them coming back.

Borrow ideas from these top food and beverage sites to implement your own ecommerce strategy and put your business on a path to sustained growth.

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16 Five-Star Ecommerce Food & Beverage Brands Bringing Perishables Online published first on https://goshopmalaysia.tumblr.com

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multicaredpc574-blog · 7 years

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MY JOURNEY TOWARDS BECOMING A DIRECT PRIMARY CARE PROVIDER

As a young physician coming into residency, I remember seeing 3-5 patients a month before reaching a goal of 6-8 patients per half day.

But that was just the beginning.

In residency, they want to slowly increase the number of patients to be seen in one office visit in order to see what you can handle. It is a gradual, step-by-step process.

By the end of my third year, I was able to take on a larger patient load and see more complex patients.

I was taught to be efficient and provide quality care, which is what residency is all about. However, outside of residency I discovered there were higher volume of patients to be seen in a shorter time frame risking quality of care. My first 2 years after graduating from residency, I worked in a rural setting in Kentucky as a primary care physician for Baptist Health.

At this point, I was seeing an average 30-35 patients per day and would work overtime to complete my charts and sometimes bring my work home.

This overloaded and overburdened schedule was not only hard. It didn’t seem to help my patients any more or less the harder I worked.

Day after day, I would watch patients spend more time in the waiting room, up to an hour or longer on some days! More than that, by the time a patient reached me, I wasn’t able to answer all of their questions. Not only was this frustrating for the patient, but it was frustrating for me too.

Patients don’t often realize how much we as doctors want to give them the answers they need. We want them to walk away feeling like they received the highest quality of care possible – that is exactly why we spend so many years in medical school studying the ins and outs of the human body!

After a while, my epiphany finally struck: this just wasn’t the quality of care I wanted to provide. It also wasn’t the quality of life I wanted to live.

However, this is just the nature of running a practice right now in the U.S.

We all have to pay our bills, so it becomes all about overhead. Generally, 40 percent of a physician’s overhead costs are insurance-related, which pushes doctors to see more patients to help cover these costs.

Then, my light bulb moment hit.

I did not pursue a medical degree to treat people like an assembly line. I wanted to make a difference. I wanted to practice the way I wanted to practice. I wanted to deliver quality care with a thorough treatment plan while only focusing on the patient.

THE GOOD NEWS IS THAT I FOUND A SOLUTION. BUT FIRST, HERE’S A BRIEF HISTORY OF HEALTHCARE COVERAGE IN THE U.S.

1900s-1910s

In 1901, American Medical Association (AMA) was formed and physicians were no longer expected to provide free services to hospital patients. Surgeries became more common, but America lagged behind Europe in providing insurance to its people. The American Association for Labor Legislation (AALL) also organized the first national conference on social insurance. However, World War 1 slowed down efforts to create a nationwide insurance plan.

1950s-1970s

This is the era when the U.S. government established the responsibility for taking care of the very sick and the poor. After national healthcare costs rose to 4.5% of GDP, the private insurance market was established, and welfare was provided for the poor. Meanwhile, the price of hospital care doubled. Those who had no insurance through their employer struggled, which led to Medicare and Medicaid being signed into law.

1980s-2000s

Healthcare costs continued to escalate due to advances in technology and pharmacology, expansion of hospital expenses. In the 1990s healthcare costs rose at double the rate of inflation. By the end of the 1990s, approximately 44 million Americans were without health insurance. Soon, Medicare was expanded to include Medicare Part D, which helps Americans over 65 by prescription drugs and cost about $70 billion every year.

Enter the ACA:

The Affordable Care Act (ACA) was seen by many as a legal form of taxation. The general idea behind ACA is that by either forcing everyone into enrollment or paying a fine to opt out, the government can keep healthcare prices low, especially for those who could not afford it otherwise. By revoking the mandate, many “healthy” paying people would opt out, which puts a burden on low-income patients and those with pre-existing conditions.

Sound reminiscent of the 1950s-1970s?

Many say the ACA will never be repealed because it covers preexisting conditions, with steady premiums for sick care and no lifetime coverage limits or denials based on income. These are all areas where private insurers have failed. However, the plan was not 100% failsafe. To offset the loss of profits, private insurance companies have just raised their premiums for people who do not receive an ACA subsidy. This is where the problem lies.

WHAT IS THE SOLUTION?

The solution for patients everywhere is Direct Primary Care (DPC).

With Direct Primary Care (DPC), I found a way to practice “true medicine”. I found a way to provide quality care for my patients, spend more time with each one of them while also living a quality life.

It’s a model adopted by many European nations as the first form of general healthcare. With DPC, doctors don’t need to worry about insurers scamming them out of payment. Also, patients don’t need to worry about being denied care or overpaying for full-coverage insurance.

Full-coverage insurance is just another design made for profit. DPC allows insurance to be reserved for what it was meant for-catastrophes. As long as you are registered for a catastrophic plan that meets the ACA standards, there are no penalties for enrolling in a DPC plan.

In fact, just like most things, it’s a solution that is found by going back to the way things used to be (You know, the good old days of practicing old- fashioned medicine but with an innovative twist).

YOUR DOCTOR’S VISIT JUST GOT EASIER

MultiCARE Physicians DPC is a privately-owned, family operated care center. Our board certified trusted family physicians want to promote healthy living through affordable, free open access to primary care doctors and to alleviate the burdens imposed on American families and businesses by the current health care system.

We are currently enrolling limited members to our new practice located in Lake Mary, FL. When you’re a member of the MultiCARE Physicians DPC family, you get the time and attention you need.

Our doctors provide comprehensive primary care to patients without feeling rushed. We focus on wellness and prevention, and every patient will be offered a complete, personalized wellness prescription—a written plan for improving health and longevity.

In addition to your personalized wellness prescription, we will take care of any illness and medical issue that may arise with same or next-day appointments.As a patient, your monthly fee covers unrestricted physician visits and customary in-office procedures. This means you can meet with us as often as you need without worrying about fees or co-pays.

If you can’t make it into the office, we will consult with you over phone or email, when appropriate and offer telemedicine for extended hours. We do not bill insurance, though we do encourage insurance coverage for potential expenses like costly tests or unavoidable healthcare situations. For your day-to-day medical needs, however, your membership fee has you covered.

To learn more about MultiCARE Physicians DPC clinics or to take a tour, contact or stop by the office today. Please visit our website and read our FAQ’s for more information on direct primary care, telemedicine, women’s health, direct primary care clinics or more!

Visit us online, or give us a call today at (407) 988-1984 to meet with a MultiCARE Physicians DPC doctor at our Lake Mary location!

Also, 2 new locations in Deltona and Longwood are coming soon!

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andylocksmithtipsntricks · 5 years

Text

YI Home Camera 3 Review

YI Home Camera 3

3/5

Two-way audio

Night vision

Poor connection

View on Amazon

Compare Prices

YI Home Camera 3 Review: Nice Features, Poor Connectivity

We really wanted to love the inexpensive little YI Home Camera, but its video is choppier than a chef on a cooking show and it can’t communicate with your smart home devices.

YI Home Camera 3 Pros and Cons

Pros

Two-way audio

Easy installation

Image planning

Different alert types

Low price tag

Cons

Choppy video

Connection delays

No smart integration

YI Home Camera 3 Cloud Subscription Plans

Price Type Storage Time Number of Cameras Trial Period Learn More

Standard

Premium

$19.99/ 3 mo $9.99/ mo $14.99/ mo $6.66 $9.99 $19.99 Motion-detected Motion-detected Motion-detected Continuous Continuous Continuous 7 days 15 days 30 days 7 days 15 days 30 days 5 5 5 1 1 1 30 days 30 days 30 days 30 days 30 days 30 days View Plans View Plans View Plans View Plans View Plans View Plans

{ "@context": "http://schema.org", "@type": "Table", "about": "" }

Data effective 9/16/2019. Offers and availability subject to change.

YI’s cloud storage plans vary depending on where you look. Why? We have no idea, but both the standard and premium plans listed on YI’s website are generally less expensive than those in the app, so we’ve included them here. The app includes a basic plan that’s only $3.99 a month and not offered on the website, so be sure to shop both the app and the website to find a plan that works for you.

YI’s monthly cloud storage fees are about the same price as Nest’s, but Nest offers continuous video recording with all of its plans. By comparison, Wyze Cam Pan gives you free 14-day rolling cloud storage for all motion- or sound-detected events.

Tech and Equipment

The YI 3 camera has an attractive modern design, but it’s not as maneuverable as other home security cameras. It doesn’t have a handy ball socket like Nest Cam or a fully panning lens like Wyze—you can only move the YI up and down—so mounting it on a wall might make it difficult to get a good viewing angle.

Fortunately, the YI Home Camera 3’s wide-angle lens makes up for its lack of maneuverability. No matter the size or shape of the room I placed it in, it was easy to find a good angle that captured the majority of the room’s area.

If you opt out of cloud service, you can use the YI camera’s micro SD card storage (SD card not included) instead. We inserted an SD card into the slot for our test period and it gave us about three days of motion-triggered recordings, even in high-traffic areas. YI uses 1080p HD video, so the daytime picture quality was nice and clear when the connection was good. Turning your smartphone screen to the left or the right simulates camera panning and lets you see more of the picture. (We won’t talk about how much time I spent entertaining myself doing that.) The camera’s night vision was also quite clear, so no complaints there.

Unfortunately, the YI 3 often had very poor connectivity. Whenever I opened the app, it took several seconds to a full minute to buffer. When you’re anxious to see what triggered a notification, that amount of time feels like an eternity. If it did finally manage to connect, the video was choppy and occasionally pixelated. Sometimes the app would tell me the camera couldn’t connect and ask me to check network settings. When I did, it always showed connectivity as “excellent.” Other times, the app didn’t give me any notifications about connectivity and I would assume it was connected. But when I’d walk through the room and still see a “live” video feed of an empty room, I’d realize it wasn’t really a live feed at all. It’s a cool trick for a bank heist movie, but not so great for my home security camera.

What’s in the Box

YI Home Camera 3

USB cable AC adapter

USB power cable

Installation

Installing the YI Home Camera 3 took only about 15 minutes, with no tools required. The app and voice prompts from the camera walked me through every step of setup. The camera base has adhesive so you can conveniently stick it to a wall or another flat surface with no screws. The magnetic base lets you securely attach it to a metal surface like a refrigerator (so you can finally see who’s been eating your favorite yogurt). The camera needs to be plugged into a wall, but its cord is only about 6 feet long, so if you want to put it somewhere farther from an outlet, you’ll need to use an extension cord.

Features

App and Notifications

I set the camera up in my office, and despite the poor performance of its live feed, YI’s motion sensor video recordings and app notifications worked pretty well. When the camera detected motion, the app sent a notification to my phone. The videos were mostly clear, but to view anything longer than a 6-second notification clip, I had to switch over to cloud storage or the SD card footage.

I liked that I could adjust the frequency of the notifications in the app so I wouldn’t get a constant stream when my kids decided to use my office for a game of hide-and-seek, or when my husband was going in and out searching for his tape measure. (It was on his desk the whole time.) I could also set a schedule for the camera so I wouldn’t get notifications while I was in there working.

Two-Way Audio

I’ve used cameras with two-way audio before, and I’ve found that it’s a great way to talk with my kids when they’re at home and I’m not. Sadly, the YI Home Camera’s two-way audio rarely worked, and when it did, the sound kept cutting out—on both sides. The last thing I need is yet another way for my kids to avoid listening to me, so it was disappointing.

Sound Detection

The YI’s sound detection feature worked great for alerting me to loud noises, and I could adjust its sensitivity. It’s a nice feature if you want to use the camera as a baby monitor or get notified if your dog barks when you’re not at home.

Smart Detection

While I appreciated the camera’s ability to detect the difference between humans, animals, and other motion, I felt like YI used this feature as a way to advertise the Home Camera as a smart camera even though it has no smart home functionality. When compared to the best security cameras on the market, not having an integrated app or smart device integration is a significant strike against YI.

Smart Cloud Search

We like that YI Cloud has adopted the fast scanning feature of Nest’s cloud storage so you can find the recording you need quickly by looking through a spread of thumbnail shots. Unfortunately, trying to play back the clips from these thumbnail images worked only about half the time. You can also fast-forward video up to 32x normal speed to search through it quickly.

Customer Service

When I contacted YI support with a question via email, a representative got back to me with a personalized response within 24 hours. YI also has customer support lines open from 12 a.m. to 5 p.m. PST, which are odd hours, but may have something to do with the company being based in China.

How YI Home Camera 3 Stacks Up

Price Viewing Angle Smart Home Integration Basic Cloud Storage Plan LearnMore

YI Home Camera 3 Nest Cam Indoor Wyze Cam Pan $34.99 $199.00 $29.99 112 degrees 130 degrees 360 degrees X No ✓ Yes ✓ Yes $4/mo $5/mo Free View on Amazon View on Google View on Wyze

{ "@context": "http://schema.org", "@type": "Table", "about": "" }

Data effective 8/20/2019. Offers and availability subject to change.

When it comes to features, YI is similar to Nest, but again, it doesn’t have Nest’s smart home capabilities. Pricewise, it’s not much more expensive than Wyze, but Wyze has free 14-day rolling cloud storage, smart home integration, and a full 360-degree view. So YI’s got some tough competition.

You can find more camera recommendations on our Best Home Security Cameras and Best Cheap Security Cameras list.

YI Camera FAQs

How is the YI 3 different from the YI 2?

The YI 3 has a slimmer profile than the YI 2, and it no longer has Gesture Recognition, which was a feature that allowed you to motion to the camera and record 10-second video clips. But YI added features like Smart Detection, Sound Detection, and Smart Cloud Search to the YI 3.

In our testing, the YI 2 occasionally had problems connecting, but once it was connected it didn’t have the same choppy, pixilated video issues that we found with the YI 3.

Is there a YI Home app for Windows?

Yes, but we’ve heard it’s a pain to use.1 Fortunately, you can also download the app on your iOS device, Android device, smartphone, or tablet, and YI Home also offers the latest version of its apps as APK files for eager Android users.

What are the pros and cons of having a wired security camera like the YI?

The biggest pro to wired security cameras is that you never have to worry about changing batteries. The cons are that you’re more limited in placement than you might be with wireless security cameras and you’re more vulnerable to power outages. Keep in mind that some “wireless” security cameras may still need to be wired for power—understanding how wireless cameras work can help you choose between wired and wireless cameras.

Can I have my YI Home Camera professionally monitored?

You can’t have the camera monitored, but YI does offer a 24/7 Emergency Response button that you can add to your app for around $5 a month. Pushing the button puts you in touch with Noonlight Certified Emergency Specialists who can send help to your location if needed.

Conclusion

I love how YI has taken so many great features from other pricey top cameras and put them into this inexpensive home camera, but I wish the company had put a little more work into creating quality technology to keep its video feed connected. It was definitely more of a headache than a help. If I’d purchased this camera for my home security, I’d be returning it.

View YI 3 on Amazon

How We Reviewed the YI Home Camera 3

We tested the YI Home Camera 3 by installing it first in a living room and then in a home office. We monitored the camera using the YI Home app on an iPhone 6, and we tested the connection both at home and away. We tested the camera’s features with normal use, and we also used scenarios that simulated real-world applications. Our full methodology can tell you more about our review process.

Related Pages on SafeWise

Best Home Security Cameras for 2019

The 10 Best Wireless Security Cameras of 2019

How Do Wireless Security Cameras Work?

Sources:

Windows Central, “YI Home Camera Is a Great Security Device for Your Home with a Frustrating Windows App“

The post YI Home Camera 3 Review appeared first on SafeWise.

Article source here: YI Home Camera 3 Review

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multicaredpc574-blog · 7 years

Text

My Journey Towards Becoming a Direct Primary Care Provider

As a young physician coming into residency, I remember seeing 3-5 patients a month before reaching a goal of 6-8 patients per half day.

But that was just the beginning.

In residency, they want to slowly increase the number of patients to be seen in one office visit in order to see what you can handle. It is a gradual, step-by-step process.

By the end of my third year, I was able to take on a larger patient load and see more complex patients.

At this point, I was seeing an average 30-35 patients per day and would work overtime to complete my charts and sometimes bring my work home.

This overloaded and overburdened schedule was not only hard. It didn’t seem to help my patients any more or less the harder I worked.

After a while, my epiphany finally struck: this just wasn’t the quality of care I wanted to provide. It also wasn’t the quality of life I wanted to live.

However, this is just the nature of running a practice right now in the U.S.

Then, my light bulb moment hit.

The good news is that I found a solution. But first, here’s a Brief History of Healthcare Coverage in the U.S.

1900s-1910s

1950s-1970s

1980s-2000s

Enter the ACA:

Sound reminiscent of the 1950s-1970s?

What is the solution?

The solution for patients everywhere is Direct Primary Care (DPC).

Your Doctor’s Visit Just Got Easier

We are currently enrolling limited members to our new practice located in Lake Mary, FL. When you’re a member of the MultiCARE Physicians DPC family, you get the time and attention you need.

To learn more about MultiCARE Physicians DPC clinics or to take a tour, contact or stop by the office today. Please visit our website and read our FAQ’s for more details.

Visit us online, or give us a call today at (407) 988-1984 to meet with a MultiCARE Physicians DPC doctor at our Lake Mary location!

Also, 2 new locations in Deltona and Longwood are coming soon!

My Journey Towards Becoming a Direct Primary Care Provider was originally published on Multicare Physicians

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