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Digital Savvy Customers Forcing Insurance Providers To Use Technology

Technology users could mean an upgrade in the insurance industry in the near future.

Nowadays, more and more people are relying heavily in the use of computers, tablets, and smartphones. They use these things for work, research, communication, and even for shopping. Millennials for one expect to be able to shop for products and services and have these delivered in their inbox or front door in an instant. With these changes, different retail providers, including insurance providers, may be forced to use technology to a greater extent if they wanted to remain competitive in their respective markets.

And insurance providers may have more to gain from these too. Industry experts are now claiming that when this is partnered with micro insurance products, insurance providers may be able to reach a wider audience that will now include the low-income individuals.

Is this a viable idea? According to a 2016 US insurance auto shopping study, 75% use insurer websites when trying to get quotes or researching for additional information on a product. This type of behavior is not only exclusive to auto insurance products. This is also true for other products or services where people are now using the power of the Internet to research about the product of service that they want to avail.

The buying behavior of people has already changed since the introduction of the Internet. Insurance providers should seize this opportunity to improve their services and consider increasing their revenue by allowing people access to their products or services with the use of an online portal where people could easily compare or purchase online products like those of chartered accountant liabilility insurance, life insurance, or auto insurance.

Today, these tools are simply dubbed as InsurTech (Insurance Technology) products. There are now companies that are specifically creating these. These are now claiming that they could provide better stability for underwriters in the world of insurance that is often threatened by disruptive changes.

According to the Insurance Regulatory Authority in Kenya, InsurTech providers are now providing ways for insurance companies to promote and sell their products and services through the tools that they provide. With the new technological tools, insurance companies are also hoping to be able to come up with new products to meet the changing needs of their potential clients.

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How Do Funeral Directors Face The Sadness In Their Profession?

Being a funeral director is a difficult job because of the need to face sadness every time there is death. Doctors, paramedics, fire-fighters and the police also face death in their jobs but it is different because there are many instances when their quick response saves a life and turns a situation into a happy ending.

Come to think of it, how do funeral directors explain the different types of funeral services to a grieving family that lost a child or a husband to violence? Even if the loved one simply slipped away peacefully after a long bout of sickness, acceptance is still difficult for a family. Compassion is certainly an important part of a funeral director’s job but so with composure. How do the funeral directors facilitate the intersections of life and death several times in a day?

In an interview with, Bruce Humphrey of Humphrey Funeral Home said that they do not have to say anything except, sorry. They do not shake the hands of the bereaved family or make the effort to hug them. The presence of a funeral director is often enough because it shows that there is someone who will support them during the times of grief. Humphrey further said that it is wrong to say that he knows what the family is feeling because he does not have a real idea on what the family is feeling at the moment.

According to David Garvie of Ogden Funeral Homes, it is important to be calm in the face of an emotionally-charged situation. When confronted with death, a family experiences a traumatic situation so that the funeral director must strive to be the pillar of stability and compassion. When emotions are too high, Humphrey says it is better to give them space and be patient.

Facing death can be extremely stressful but you can gain support and compassion from the funeral directors in Perth. Making a decision on the funeral services can be tough but planning can be facilitated by the funeral director. He will discuss the more affordable option and whether you prefer cremation or the traditional burial at your chosen location.

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Phuket’s Elephant Sanctuary: Promoting Novatel In Patong And Tourism

Elephants are considerably loveable and cute creatures. Despite their gigantic size, some elephants in the right now are used and some, even abused by both legal and illegal logging corporations and trekking industries. Nowadays, there are hundreds of animal sanctuaries in which majority of these sanctuaries are currently under fire by the public for display an unacceptable behaviour towards, mainly elephants and some, even abusing them or not giving them the proper care that these creatures deserve. Fortunately, there’s an elephant sanctuary in the island of Phuket in the Kingdom of Thailand. Phuket Elephant Sanctuary is considered as a revolution to the animal tourism because of its philosophy to help elephants around the world to have a place to retire, and have a home which will rehabilitate them. If you are planning to visit the sanctuary any time soon you should consider staying at Novatel in Patong because it’s one of the best 4-star hotels in the town of Patong and you can even take advantage of the hotel’s location because it’s extremely close to the shopping district and there’s plenty of transportation choices if you want to visit the elephant sanctuary.

The Phuket Elephant Sanctuary has been attracting the attention of some of the Hollywood celebrities such as Leonardo di Carprio, Aaron Paul and even the members of the band Coldplay, who have learned about the sanctuary and eventually visited it. These celebrities have nothing but praise especially to the management of the sanctuary owing to the fact that they don’t make the elephants do some funny tricks or carrying people as they ride up the mountains. In fact, the sanctuary and its management are making sure that these elephants will be well taken care of and are comfortable while they are in their natural habitat. It’s also the goal of the sanctuary to give these elephants some dignity and the freedom to be themselves at the comfort of their natural habitat. If you are staying at Novatel in Patong Town and you are to visit the sanctuary, you will have to pay 117 US Dollars for a day visit which includes the chance to elephants do what happy elephants usually do such as: bathing themselves, scavenging for tropical fruits, tramping through the thick mud and others.

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The Importance Of A Licensed Engineers To Oversee Boiler Operation In Schools

A plan by Minneapolis Public Schools to reorganize the Plant Operations Department will result in the demotion of dozens of building engineers with corresponding pay cuts. Building engineers have many responsibilities from cleaning schools to the operation and maintenance of boilers. However, employees who are temporarily assigned for the task are not qualified for the position because they are not licensed for boiler work.

According to MPS Chief of Operations Officer, Karen DeVet, their plan is to ensure that employees who perform boiler work will have the proper licenses. It will also allow more custodial support in schools and save them money to overcome the challenge of a $28 million budget gap. The proposal is a version of the original plan that was presented to the School Board last 2012 where the engineer-in-charge position will be eliminated to be replaced a smaller number of team leader positions.

According to School Board chair, Rebecca Gagnon, there will be fewer licensed engineers but more custodians. On the other hand, both the engineers and teachers contend that a licensed boiler operator is critical in every building to ensure that someone will be onsite if something wrong happens with the boiler.

Since the buildings are rather old, it is critical to have constant attention from trained professionals. If something wrong happens with a commercial boiler, like a water leak or even worse, the problem has to be addressed immediately and not wait for the district office to send a professional technician to fix the problem.

In a statement issued by Minneapolis Schools Association of Custodians and Engineers, the members strongly believe that the budget for Plant Operations Department must be increased to allow for licensed positions to oversee the boilers. Schools have absolute need for a head engineer with a boiler’s license to be responsible for boiler operation.

Boilers must be regularly inspected for defects at least annually or according to manufacturer’s recommendations. If there are issues with the components, Boilers repairs must be undertaken by licensed heating engineers for safety. Regular servicing ensures that the boiler is operating properly without any risks of fires or explosions.

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A Convenient Hotel Sukhumvit: Among The Most Beloved Hotels In The World

Hotels are usually rated by vacationists according to how well these hotels have been tending to their respective needs. In addition to this, the success of each individual hotel depends on how strategic the location is because whether they admit it or not, hotels are best located nearby public transport stations and airports because it makes it easier for vacationing tourists to find the best hotels in the city and the nearer the hotels are, the lesser money they will need to spend for transportation just to get to the hotel itself. And in Bangkok in the Kingdom of Bangkok, specifically in the busy district of Sukhumvit, there are many choices for a convenient hotel Sukhumvit which you can choose whenever you are planning a vacation trip to Bangkok.

Recently, hotels in Thailand received a recognition from the famous booking site,, as among the 10thworldwide in terms of having the number of Gold Award-winning properties which make the kingdom of Thailand stand among the “Loved Guests Awards 2017”. The ratings are made by based on the reviews which were written by legitimate and verified number of real guests who stayed at actual hotels. Essentially, Bangkok, being home to some good choices for a convenient hotel Sukhumvit, topped the list of awardees alongside fellow Thai city such as Phuket and Chiang Mai. In the regional competition, Bangkok stands 6th overall behind the top 3 cities of Hanoi, Seam Rep and Tokyo. Hotels that are included in the awards are judged according to seven different categories: luxury, business, boutique, beach, family spa and new. In addition to this, hotels which received such awards have gathered an average guest review rating of 4.7 which is higher out of 5.

Being in the top 10 list of most beloved hotels in a city enables Bangkok, specifically the shopping district of Sukhumvit to encourage more vacationists, both local and foreign nationals to choose among the best reasonably-priced hotels in the city because these awards and recognitions help hype up the city’s already growing tourism. These awards only prove Thailand’s unique ability to provide accommodation experience of the highest quality.

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Vespa For Sale: Brand New Vs Used

If you are having doubts whether to buy a brand new or second hand Vespa for sale, take a look at your budget. Your money will pretty much determine the type of bike that you are going to purchase although, there are times when even with the right amount of money, a second hand bike would be more suitable. Another point to think about is that, whether you buy a brand new or used unit, both has its pros and cons. To help you decide, take a look at these ideas.

Brand new unit                                                      

There are numerous advantages of buying a brand new motorcycle. For one, you can be sure of its quality and condition, especially if you choose a reliable brand. Abrand new unit comes with a warranty so if you are not satisfied with it or in case of factory defect, you can always have it repaired for free or you can ask your money back. With a brand new Vespa for sale, you can be sure that the unit is in perfect condition along with its parts and components. If your budget is not enough for it, find out if the dealer offers other payment schemes.

Used or second hand motorbike

One of the main advantages of second hand Vespa for sale is its affordability. Used motorbikes are generally offered at a much lower price compared to brand new ones. To top it all, used motorbikes can also be had in an instalment basis. There are online shops for second hand units that offer service warranty and money back guarantee and this should be the type of sellers that you should look for in order to protect your money. The only downside in buying used motorcycle is that you will never know how its previous owner handled the bike. Take note that some damages may not be visible so you can never be sure.If you are not a mechanic or expert in bikes, take a mechanic with you when you inspect the bike. Check the electronics, wheels, frame, chains, tires and its other important elements.

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