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Leading In and Beyond the Library

Leading In and Beyond the Library | Insurance | Scoop.it

This paper explains the key role that school librarians and libraries should play in state- and districtwide efforts to transition to digital learning, or the effective use of technology to improve teaching and learning.


Via Karen Bonanno
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Bibliotecas

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Jo Laretive's curator insight, February 1, 2014 8:18 PM

A useful paper for planning goals and visions for your school library.

Nevermore Sithole's curator insight, February 3, 2014 1:48 PM

Role of school libraries and librarians in teaching, learning and research

johanna krijnsen's curator insight, February 19, 2014 2:26 PM

Digital learning and Education technology

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Help Your Customers Understand Green Words And Phrases

Help Your Customers Understand Green Words And Phrases | Insurance | Scoop.it

The green movement, at first glance, has given garden center owners a natural path to attract an ever-growing customer base that is concerned about environmental issues. However, if you’re not careful, you run the risk of overwhelming them with mixed messages and misconceptions.
Words and phrases like local, organic, eco-friendly and sustainable have become part of the cultural landscape. The problem is, they often mean different things to different people.

So what’s your best approach to addressing this problem? Ideally it involves knowing how your buyers might perceive each of these words, giving them a clear definition, and positioning your products in a way that would be most appealing based on these perceptions.

How The Research Was Conducted

During spring 2011, the researchers conducted an online survey to better assess the market for horticultural products in the U.S. and Canada by more fully understanding consumer perceptions of local, organic, sustainable and eco-friendly. A total of 2,511 consumers were surveyed with 68 percent and 32 percent of respondents being from the U.S. and Canada, respectively. Each U.S. state and Canadian province was represented within the survey.

The survey asked a variety of questions around horticultural purchasing and recycling patterns such as whether they were the primary shopper in the household, store type, and whether they purchased local, organic, sustainable or eco-friendly products. Respondents were also shown a list of potential characteristics and asked to mark any and all that they perceived to be related to each of these terms.

Local: Play Up Your Community Impact To Reduce Confusion

In 2007, the New Oxford American Dictionary named “locavore” as its word of the year. The locavore movement encourages consumers to buy from farmers’ markets or even to grow or pick their own food, arguing that fresh, local products are more nutritious and taste better.

That’s all well and good, but how do you measure local? Some people may equate local to something grown or produced in the same county in which they are buying it. Others may say that as long as it comes from within the state, it’s local. Still others may point to a “Made In The USA” label as locally produced.

The other problem is that while the typical standards for local generally imply distance boundaries, there are no specific determinations for local production practices. As a result, local and organic have been used interchangeably by consumers, although they are not the same and imply different production and sourcing methods.

According to the survey, your younger customers in particular are more likely to perceive organic, or no synthetic pesticide use, as a characteristic of local. Not only is this misleading, it is also dangerous to an organic industry that is based on strict regulations and federally approved labels.
What you can do: If you want to position yourself as a local supplier, promote local production as a vehicle for boosting the economy or giving your customers a fresher product. Survey results indicated that if consumers believed purchasing local supports the local economy and implies a fresher product, they are more likely to perceive that local meant decreasing miles to transport. The more consumers purchased local produce, the more likely they were to perceive that decreased miles to transport was a component of local. In other words, a more knowledgeable consumer will have a better understanding of the value of local.

Organic: Regulations Determine Labeling

According to the Organic Trade Association, sales of organic products in the U.S. and Canada topped $26.7 billion and $2.6 billion in 2010, respectively. A key characteristic of organic production is the lack of synthetic pesticides within production. This message of pesticide-free is broadly emphasized throughout marketing material in the U.S. and Canada. However, survey results indicated that only two in three consumers associate no synthetic pesticides with organic.
As environmental friendliness and safety increase in importance for purchasing organic, the consumer has an increased probability of correctly associating no synthetic pesticide use as organic. Consumers who purchase organic products more frequently are likely to perceive organic as tasting better and being more nutritious.

The implied connection between organic and local also comes up in this discussion. The survey showed that consumers who buy local and believe environmentally friendliness is important in their purchasing decision have an increased probability that better taste and more nutrition is a perceived trait of organic.

What you can do: Getting certified, despite the price tag, is the easiest and most direct step to positioning your organic products to your customers. This also gives them the best reason to know why they might be paying more for a particular product. As with local, the more knowledgeable your customer is about organic, the more likely they will be to pay for it.

Sustainable: Not A Popular Term

Neither sustainable nor eco-friendly have specific regulations that govern how they are used. The good thing is, this allows you to use them in various ways and tailor your own definition. However, the use of either of these terms in labeling by different retailers to represent varying environmental messages can cause confusion in the marketplace.

Of the four words covered in this article, sustainable is perhaps the most troublesome because it has the most ambiguous meaning. In most cases, the definition of sustainable is thought to be represented by a three-legged stool: economic viability, environmental responsibility and social responsibility. In order to be recognized as sustainable, all three things must be present.

Survey results indicate that sustainable is often aligned with best management practices rather than environmental characteristics. More respondents also associated socially responsible with sustainable compared to eco-friendly.

What you can do: About a quarter of survey respondents indicated that they had not heard of the term sustainable, which is surprising given the term is becoming more frequently utilized to connote “good for the environment.” However, the lack of familiarity offers a unique opportunity for retailers to shape the definition to fit their production practices.

Look at the three-legged stool model, and determine where your company and your products are strongest in each of the areas. Promote these strengths among the many ways you strive to be more sustainable to your customers.

Eco-Friendly: Has Been Weakened Through Overuse

Results from the survey show that eco-friendly is often defined by environmental characteristics. For instance, almost double the number of consumers characterized the term eco-friendly as having reduced greenhouse gases compared to the term sustainable. Further, respondents were more likely to associate being green, energy saving and lower carbon footprint with eco-friendly. Biodegradable and recycling were also more likely to be perceived as characterizing eco-friendly.

The problem is, adding each of these attributes to the definition of eco-friendly can make it difficult if you want to make yourself stand out as an eco-friendly company. Plus, some consumers may see eco-friendly (along with sustainable) as more of a marketing gimmick than a true business practice. If those consumers are shopping at your garden center, they may have a negative connotation about your products. Younger consumers from rural areas are most likely to associate these terms with a sales gimmick.

What you can do: Show specific examples of what you are doing to make your operation eco-friendly. Put up signs highlighting energy savings or reduced water use, and let your customers know what you are doing to reduce your carbon footprint.

5 Tips To Help Your Customers Avoid Confusion

Understanding the differences between local, organic, sustainable and eco-friendly can be a challenge for your customers, especially given the barrage of marketing messages they likely encounter every day. But there are steps you can take to help them navigate this complex maze.
1. Be precise in the terminology you use. If you want to promote yourself as strong in one of these areas, make it clear how you fall into that particular category.
2. Help your customers understand and come up with their own definitions and perceptions of these words. You can be the voice that helps them understand what they mean.
3. Make sure your whole staff has an understanding of the different green terms, and can communicate clearly with your customers.
4. Don’t oversell any of these words and practices to the point where they might be perceived as
a gimmick.
5. Use caution when using any of these words on a label. If you do have them on a label, be prepared to back up what they mean.

Bridget Behe is in the Department of Horticulture at Michigan State University. Ben Campbell is in the Department of Agriculture and Resource Economics at the University of Connecticut. Jennifer Dennis is in the Department of Horticulture & Landscape Architecture and Department of Agricultural Economics at Purdue University. Charlie Hall holds the Ellison Endowed Chair in International Floriculture at Texas A&M University. Hayk Khachatryan is in the Food and Resource Economics Department at the Mid-Florida Research and Education Center in Apopka, Fla. Brian Sparks is senior editor of Today’s Garden Center. State funds for this project were matched with Federal funds under the Federal-State Marketing Improvement Program of the Agricultural Marketing Service, U.S. Department of Agriculture.

 

 


Via Giri Kumar
M&D Business Solutions's insight:

Puede servir como guía para el Sales & SC en la parte de educación del usuario en los terminos de seguro. Grupo focal para entender como la gente le llama a los conceptos de seguro (terminos populares vs los terminos formales que usamos las compañías de seguro).

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HHS starts features to help consumers learn insurance - USA TODAY

HHS starts features to help consumers learn insurance - USA TODAY | Insurance | Scoop.it
HHS starts features to help consumers learn insurance
USA TODAY
A new website will help explain the insurance marketplaces, called exchanges, where Americans will start buying health insurance Oct. 1 under the Affordable Care Act.

Via Skip Boykin
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multiple intelligences - howard gardners multiple intelligences theory - visual auditory kinesthetic learnings styles VAK model

multiple intelligences - howard gardners multiple intelligences theory - visual auditory kinesthetic learnings styles VAK model | Insurance | Scoop.it
Howard Gardner's Multiple Intelligences Theory, and VAK Visual Auditory Kinesthetic learning styles model - free training summary, diagrams, tools and other learning models...

Via Emma Heath
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Inteligencias Multiples. Extenso artículo sobre esta teoría y la teoría de VAK (visual/auditory/kinesthetic).

 

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Rescooped by M&D Business Solutions from School Library Advocacy
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Leading In and Beyond the Library

Leading In and Beyond the Library | Insurance | Scoop.it

This paper explains the key role that school librarians and libraries should play in state- and districtwide efforts to transition to digital learning, or the effective use of technology to improve teaching and learning.


Via Karen Bonanno
M&D Business Solutions's insight:

Bibliotecas

more...
Jo Laretive's curator insight, February 1, 2014 8:18 PM

A useful paper for planning goals and visions for your school library.

Nevermore Sithole's curator insight, February 3, 2014 1:48 PM

Role of school libraries and librarians in teaching, learning and research

johanna krijnsen's curator insight, February 19, 2014 2:26 PM

Digital learning and Education technology

Rescooped by M&D Business Solutions from Business in a Social Media World
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Social media in numbers (January 2014)

Social media in numbers (January 2014) | Insurance | Scoop.it

Looking for some updated social media stats? Here is a list that I compiled following my December 2013 post.

 


Via Cendrine Marrouat - SocialMediaSlant.com
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Buen artículo para conocer las redes sociales de mayor uso.

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Cendrine Marrouat - SocialMediaSlant.com's curator insight, January 31, 2014 5:37 AM


 
Social media stat aficionados, here is an updated list of numbers for you.

Facebook, Twitter, Google, Pinterest, Tumblr, Reddit, and more!

What surprises you the most? 
Letideoo's curator insight, February 3, 2014 6:12 AM
Social media in numbers (January 2014)
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"We put our content marketing in the context of the consumer decision journey" Brown-Forman's Marjorie Dufek talks strategy

"We put our content marketing in the context of the consumer decision journey" Brown-Forman's Marjorie Dufek talks strategy | Insurance | Scoop.it

"(...) We put content marketing in the context of the consumer decision journey. We use that model as a way to think about what the consumer expects and needs from our brand. Obviously, content is different for each brand, depending on the market and that brand’s specific needs. The McKinsey model that was propagated a couple of years ago is our starting place, and typically, we will then create content based on what is needed for each stage of that consumer journey.

For example, one thing that is common to all of our alcohol brands is that consumers really want to know how to consume the product. When we get to that part of the consumer engagement journey, where they’ve already purchased the brand, but what to know how to consume it, we provide lots of content related to that. (...) The better you understand your consumer’s needs and the consumer journey and are able to rationalize how you can make things faster, easier, cheaper, and more useful for the consumer, that’s what you’ve got to do. You always have to keep the consumer in mind. (...)"

 

NewsCred interviewed Marjorie Dufek, Director of Digital Marketing at Brown-Forman, to discuss the process of developing an effective content marketing strategy.


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Do You Have Insurance for Photography Equipment? | Tom Redd

Do You Have Insurance for Photography Equipment? | Tom Redd | Insurance | Scoop.it


You have insurance to cover damage to, loss or theft of your photography equipment, or doyou?  We have all heard the words of warning, look both ways before you cross the street, don’t talk to strangers, and read the fine print.  Maybe for photographers it should be read the fine print before you sell a print. Recently a friend of mine (who, for the purposes of this post we’ll call Bill), learned about insurance and the fine print found in policies in an unfortunate way. Bill had his home broken into and some of his expensive photography equipment stolen. Having someone violate your home is hard enough, but the loss of valuable items is like salt in a wound. Finding out that the insurance you purchased and thought protected your loss doesn’t have you covered, might take you to a different state of mind and not in a good way. Read the fine print.....


Via Thomas Menk
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Stephanie Averill's curator insight, July 24, 2014 2:04 PM

Photographers, do you have insurance to cover your equipment?

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In Shocking Development, Health Insurance Companies Still Suck - The American Prospect

In Shocking Development, Health Insurance Companies Still Suck - The American Prospect | Insurance | Scoop.it
In Shocking Development, Health Insurance Companies Still Suck The American Prospect It also attempted to address lots of other problems, and this week it's a good time to remind ourselves that many of its provisions came about because, to put it...
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Life insurance co.'s putting the hard sell to millennials -- and coming up short

Life insurance co.'s putting the hard sell to millennials -- and coming up short | Insurance | Scoop.it
Wedded to stale products and old-school sales tactics, life insurers are struggling to attract Gen-Y clients who think death is a really long way off.
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All About Insurance Provides Customers Essential Insurance Articles and News ... - PR Web (press release) (blog)

All About Insurance Provides Customers Essential Insurance Articles and News ... - PR Web (press release) (blog) | Insurance | Scoop.it
All About Insurance Provides Customers Essential Insurance Articles and News ...
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Experience Your Brand From Your Customers' Perspective - Entrepreneur

Experience Your Brand From Your Customers' Perspective - Entrepreneur | Insurance | Scoop.it
Entrepreneur
Experience Your Brand From Your Customers' Perspective
Entrepreneur
I'm a big believer that your brand is an experience, and in fact it's your customers' experience with your products that make up your brand.
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Serious Games to Excite Consumers About Life Insurance | SERIOUS GAMES MARKET

Serious Games to Excite Consumers About Life Insurance | SERIOUS GAMES MARKET | Insurance | Scoop.it
RT @elianealhadeff: #SeriousGames Serious Games to Excite Consumers About Life Insurance: Serious Games challenging us to play at bu...

Via David Holloway
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Rescooped by M&D Business Solutions from Evolution of transportation: SEAMless mobility - Shared, Electric, Autonomous (driverless), Multimodal mobility
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The invisible chauffeurs

The invisible chauffeurs | Insurance | Scoop.it
Could driverless cars shift the need for insurance away from consumers and towards manufacturers?

Via Catherine Kargas
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Catherine Kargas's curator insight, February 20, 2014 3:32 PM

Will auto OEMs assume liability for driverless cars? What will this mean for the insurance industry?

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How is Technology Impacting the Insurance Industry? - Technology Digital

How is Technology Impacting the Insurance Industry? - Technology Digital | Insurance | Scoop.it
How is Technology Impacting the Insurance Industry?

Via Jennifer Overhulse
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Impacto de la tecnología a la industria de seguros. Excelente anuncio!!! ja,ja

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Rescooped by M&D Business Solutions from The 21st Century
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7 Awesome Visual Alternatives to Google Docs

7 Awesome Visual Alternatives to Google Docs | Insurance | Scoop.it

Via Dr. Susan Bainbridge
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Gadgets para Google Docs.

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Deborah Rinio's curator insight, January 31, 2014 11:49 AM

Google Docs is pretty cool, but sometimes you want something a little different. 

Елена Ремизова's curator insight, February 2, 2014 10:58 AM

7 возможностей визуализации, альтернативы Google

Annie M Herbert's curator insight, February 2, 2014 6:11 PM

I want to add these to my Symbaloo organizer I learned about at the DE workshop I attended Friday. 

 

Great!

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How to adjust to the new consumer journey - iMediaConnection.com

How to adjust to the new consumer journey - iMediaConnection.com | Insurance | Scoop.it

All too often marketers allow their strategies to be led by the performance of an individual channel: ROI for paid search vs. ROI for display vs. ROI of social media, etc. And all too often marketers are left with the same inability to really move the needle of success. The problem is that marketers are channel-centric in their measurement of marketing performance and optimization. Advertising no longer looks the way it did in the days of Don Draper. It's not as simple as coming up with a big creative idea, printing a magazine ad, erecting a billboard, broadcasting a commercial, and sitting back with a cigar to wait for the ad-induced mass consumption of a product. No, the advent and wide-spread adoption of internet connectivity, mobile technology, and social sharing has created countless disruptions to this once direct path.

 

The consumer decision journey is no longer as simple as seeing an advertisement and driving to the store. As a result, success can't be accurately measured in a linear fashion either. There are many conversions that go unaccounted for because marketers aren't paying attention to their customers' behaviors, which are becoming more varied just as you read this article. More technology equals an increased amount of ways your customer will interact with your brand.

 

Today's consumers are savvy, wary, and extremely aware of how they are being fed advertising. Consumers are more informed than ever, with product research and trusted user reviews available right at their fingertips. There's a whole lot happening in between seeing an ad and actually deciding to drive to a store or load up an online shopping cart.


Read more at http://www.imediaconnection.com/content/34074.asp#4dI3dmSA5iAJmOyt.99


Via Russ Merz, Ph.D.
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Russ Merz, Ph.D.'s curator insight, May 1, 2013 2:06 PM

Provides a useful framework for budget allocation across the customer journey.

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Target to drop health insurance for part-time workers

Target to drop health insurance for part-time workers | Insurance | Scoop.it
Target Corp. will end health insurance for part-time employees in April, joining Trader Joe’s Co., Home Depot Inc. and other U.S. retailers that have scaled back benefits in response to changes from Obamacare.
M&D Business Solutions's insight:

Artículo que evalua la posibilidad de dar seguros de salud a los empleados "part time".

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INSURANCE: Cloud computing leaves commercial clients exposed

INSURANCE: Cloud computing leaves commercial clients exposed | Insurance | Scoop.it
Have clients storing data in the cloud? Better double-check their cyber liability coverage.

Via Peter Azzopardi
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Artículo relacionado a la situación pasada a los clientes de TARGET.

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Peter Azzopardi's curator insight, January 25, 2014 5:24 PM

 “There are concerns that because many, many companies are now sharing a server, if that server is successfully hacked into, then every client’s information will be compromised,”

 

 

Pic courtesy insuringtech.com

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Insurance Marketing: The Right Way » Benepath Insurance Leads

Insurance Marketing: The Right Way » Benepath Insurance Leads | Insurance | Scoop.it
In the insurance sales industry, lead conversion may be one of the most difficult skills to master. Life insurance leads.
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Consumers lack confidence in managing finances, a major issue for the ... - NewsMaker (press release)

Consumers lack confidence in managing finances, a major issue for the ... - NewsMaker (press release) | Insurance | Scoop.it
Consumers lack confidence in managing finances, a major issue for the ...
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Coventry medical insurance customers roiled in Piedmont contract tussle - The Citizen.com

Coventry medical insurance customers roiled in Piedmont contract tussle - The Citizen.com | Insurance | Scoop.it
The Citizen.com Coventry medical insurance customers roiled in Piedmont contract tussle The Citizen.com Coventry healthcare insurance policyholders in Fayette and Coweta counties got a troubling letter in the last few days — notice that the main...
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Cybersecurity, money laundering top threats facing the financial ...

Cybersecurity, money laundering top threats facing the financial ... | Insurance | Scoop.it
The potential hacking of sensitive customer information is a top threat facing the financial industry in 2014, according to the Financial Industry Regulatory Authority (FINRA) in its “2014 Regulatory and Examination Priorities” ...
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Artículo sobre la seguridad de la información de los clientes.

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