A Ride-Sharing Safety Program Designed to Protect Passengers

Samantha Josephson was a 21-year-old University of S Carolina student, hailing from Robbinsville, NJ. Known as Sami to family and friends, she was about to graduate and had future plans to become an attorney. Tragically, Sami’s life and the envisioned bright future were cut down abruptly when she was killed in March after she mistakenly entered a vehicle assumed to be the ride-share car she had reserved.
Now, the driver is facing a murder charge and all who knew her are plunged into mourning.

The grief-stricken parents are courageously tapping into their inner-strength so that others like their daughter will not be fooled into entering the wrong car. They are educating and advising people about how to be more observant and cautious about related dangers. To honor the memory of their late daughter, they’ve dubbed the program, SAMI, a fitting acronym for the words Stop, Ask, Match, Inform.

Before accepting a ride from a driver, stop and consider what’s going on around you, ask for id to match the car you have ordered and inform your friends about your travel plans by allowing them to track your ride.

But that’s not all the Josephson couple is doing.

They are reaching out to congressmen to move forward a proposed piece of legislature they would like passed that would compel ride-sharing companies to do their part in preventing tragedy.

‘Sami’s Law’ would mandate a related safety program that aims to safeguard passengers.

SAMI’s Law – Proposed Legislature for the Safety of Ride-Share Passengers

The proposed law would include the following points directed at all commercial ride sharing companies:

1. All cars that are part of the ride-sharing company must display a front and rear license plate that identifies them as such.

2. Passenger windows must have a rapid-response code that is easily scanned.

3. Every car must have an illuminated windshield sign that is discernible during the daytime and can be seen from fifty feet away during evening and night hours.

To be fair, the ride-sharing companies have always tried to protect themselves and others, through commercial auto insurance that focuses on possible damages and reimbursement, as well as by broadcasting safety warnings, such as those underscored by the SAMI program – like sharing the trip app with friends and family so a passenger’s whereabouts can be easily tracked. In wake of an unthinkable tragedy, the Josephsons are taking it further to ensure passengers remain safe.

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Business Owners Insurance for the Toy Store

It’s not only during the holiday times that toy shops are faced with business perils, though they certainly are heightened during the busy season.

Like other retail outlets, toy stores share common risks, but there definitely are added exposures due to the specific line of industry.

Ordinary risks include damages caused by fire, weather and crime. Should repair or construction be necessary due to damages incurred to the premises, a business may find it cannot operate for the time being. This, unfortunately, translates into loss of income.

As with any other business, a toy store may be sued for a variety of reasons, including injury caused by a a slip and fall on site. Due to the nature of line of work and merchandise sold, a toy store may also become the brunt of a product liability lawsuit.

The following are three insurance claim scenarios that underscore the need for a tailored insurance plan.

Property Coverage

An employee’s took a break in the stock room. His lit cigarette caused a fire that spread to incur tens of thousands of damage to the premises and goods. Because of the extent of damages and time needed to repair, rebuild and restock, the toy store was forced to close up shop for a few weeks, leading to significant income loss and extra expenses.

General Liability Coverage

The rain caused the parking lot to become slippery. A child fell and slipped and broke his arm. The parents sued the toy store for doctors and hospital expenditures.

Product Recall Coverage

A girl got hurt while handling a defective doll. The parents sued the toy manufacturer. They also sued the toy store where the doll was purchased, citing negligence in regard to selling a substandard item.

Business Owners Policy: The Toy Store Owner’s Insurance

A toy store’s business owners policy may consist of different pieces of coverage as it pertains to the individual shop.

The following protective policies can be grouped together for comprehensive related commercial coverage.

• General Liability Coverage
• Property Coverage
• Business Interruption Coverage
• Employment Practices Liability Coverage
• Crime Coverage
• Product liability Coverage
• Commercial Auto Coverage
• Cyber Liability Coverage
• Workers Compensation
• Equipment Breakdown Coverage

Naturally, holiday season has greater exposure to damages and losses. A professional agency will be able to offer temporary coverage options to add to everyday insurance plans. Dealing with a recognized independent insurance agency will ensure you get the lowest competitive quote associated with your needs.

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Nurseries and Info About Related Insurance

Nurseries in general face unique exposures. Insurance policies are written on an individual basis as per the related risks of each operation.

The wholesale Nursery outlet typically cultivates all types of plants, flowers and trees out of doors in open fields and sells mostly to retail garden shops. The nursery wholesaler also typically sells fertilizers, seeds, garden tools and other planting supplies.

In contrast to the wholesaler, retail nursery outlets usually store their products inside the protective warmth of greenhouses.

Some nursery wholesalers and retailers also offer landscaping service, as well as landscaping architectural designing.

The above factors are why the insurance industry places this group in the specific agribusiness class, subject to related insurance programs.

Tailored insurance policies incorporate liability exposure and greenhouse management programs.

Those nurseries that use pesticides and herbicides in greenhouses or open fields or off grounds, as well as those that have above or below ground tanks for storing chemicals, herbicides and fertilizers are required to carry coverage for pollution exposures.

There is an elevated risk in this industry for worker injuries due to the fact that there is so much heavy lifting, as well as exposure to the nurseries’ chemicals. That is why workers comp is such an emphasized essential insurance coverage. In addition, there are unusual types of exposure in relation to nursery equipment as well as many trucks on site.

As far as crop insurance coverage goes, in this instance it is connected to U.S. Federal Insurance syllabuses.

As a summary, the following types of insurance coverage can be part of a nursery’s policy as a bundled indemnity package.

• Commercial General Liability
• Property Coverage
• Business Income Coverage
• Commercial Auto and Commercial Fleet Coverage
• Commercial Umbrella Liability Coverage
• Crime Coverage
• Workers Comp Coverage
• Pollution Coverage
• Professional Liability Coverage (for the landscaping architectural designing aspect)

It is advisable to meet with a representative of an independent insurance agency that has a broad base of carrier connections. This will help the agency better understand your specific operation and your specific needs in relation to a tailored insurance plan. It will also help the agency define what premium discounts may be applicable in your case.

Please understand that not all types of coverage or discounts are accessible in each state. In addition, differing coverage options can be subject to various conditions and exclusions.

Business is hard enough without worrying about all the possible accidents and other exposures. Precise insurance commercial insurance takes the worry off, allowing you to focus on what you as a nursery shop does best – conduct your Nursery business!

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Brief Discussion on the Fundamentals of Digital Marketing

With the introduction of computers and the internet, companies prefer to do sales and marketing in a non-traditional way. Instead of relying on door-to-door sales and marketing, modern businesses prefer to maintain corporate portals where they highlight the products or services meant for marketing and sales. Modern business houses prefer digital marketing to sell products or services as this method of sales and marketing is considered effective yet less laborious. This blog highlights the fundamentals of digital marketing. It also discusses SEO and its role in web marketing.

Digital Marketing and Search Engine Optimisation

SEO is also known as search engine optimization and it is very important as far as web marketing is concerned. Companies hire the expertise of professional web marketers to sell their products and services. The expert digital marketer uses their skills, strategies to market, and sells products or services. The professionals in the field of digital marketing use SEO to enhance the visibility of client resources like websites, webpages. More visibility of client online resources implies that the business seeking SEO services attracts more web traffic, hence there exist greater chances of lead generation, conversion of leads to sales. If a business manages to convert leads to sales then it implies that it generates business profits.

Benefits of SEO

Following are the benefits of using SEO as part of web-marketing:-

SEO helps a business to enhance its ranking in the various search engine research pages
It helps to attract more and more quality online traffic
It helps to generate leads
Convert leads to sales
SEO contributes to business profitability
Search engine optimization also contributes to branding

Types of SEO

SEO or search engine optimization is of two types and they are as follows:-

On-Page SEO
Off-Page SEO

What is On-Page SEO?

At first, it is important to say that when web marketers do SEO then they deal with client websites or other web resources. On-page SEO is the type of SEO that is done on the website of the client. It deals with keyword research and analysis. In On-page SEO, digital marketing experts require to have skills in writing and posting content for the client website. Such contents include the Title, meta description, body of the content. On-page SEO is associated with using keywords in the website contents. The expert search engine optimizer should make sure that the keywords are well-researched, they are not that competitive but have high online search values. Moreover, the keywords that need to be used in the content should be relevant. For keywords it is important to mention that there are broadly two types of keywords 1) Short-tail keywords 2) Long-tail keywords. Short-tail keywords are more competitive than long-tail keywords and hence the chances of converting leads to sales are low with short-tail keywords. It is always advised to use long-tail keywords in website content while doing on-page SEO. Besides, on-page digital marketing also involves search engine indexing so that a website or a link has higher visibility in the search engine results pages.

Off-page SEO

Off-page SEO also deals with search engine optimization activities that are outside a website. Off-page search engine optimization deals with link-building. Proper link-building of a website can enhance the DA (Domain Authority), PA (Page Authority), PR (Page Rank) of the website. It implies greater exposure of the client business, more lead-generations, and conversions. For more information on Off-page web marketing visit relevant websites available online.

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Understanding The Significance of Content Writing in SEO

SEO or search engine optimization is very important for the growth of a business. Web marketers or SEO specialists who are responsible for doing the search engine optimization of client websites require adopting SEO strategies to enhance the visibility of the website in the various search engine results pages. The website visibility depends on how well the SEO expert conducts on-page as well as off-page optimization of the client website. In the context of on-page or off-page search engine optimization, it is important to understand that the emphasis is always on the website contents. It is important that the content for on-page as well as off-page search engine optimization is well written with proper distribution of keywords, anchor text. The objective is to attract more and more web traffic to a business. From this angle the significance of content writing and content writers is high when it comes to search engine optimization.

Tips on Writing SEO Contents

This blog discusses how you should write content while doing on-page or off-page SEO activities.

On-Page Content Writing

if you are focussing on on-page activities then you know that you have to write high-quality content for your website pages. The objective is to attract more and more traffic to your business. Understand that greater traffic implies higher lead-generation and subsequently greater conversion of leads to sales. While writing on-page content like the content for a website’s about-us page, you require to be very specific about your business, you require to highlight your business objective. While writing the content you can use anchor text as and where required. The links that you use need to be relevant. There should not be an overuse of keywords. The keyword distribution should not exceed 1%-3% in the entire content. If you follow these rules then you discover that your website content is presentable and attracts more and more online traffic.

Off-page Content Writing

Off-page search engine optimization means link building. Link building in SEO is very important as it helps to enhance the page rank of a website, it helps to enhance the DA or domain authority value, the PA or page authority value of a website. During the process of link building, the web marketers require to post content along with relevant links in a number of blog sites, article sites, forum sites, question answers site, press release sites. To create the content the web marketers require the participation of content writers. To do off-page content writing the web marketers require to follow some rules. They require to write content on the topic, include keywords that are relevant to the topic. The content writers require to use anchor texts linking relevant websites or web resources. In this context, it is relevant to add that the content writers can do keyword research to find out the keywords to be used for the content, or else the list of keywords will be furnished by the client. There should not be an overuse of the keywords. The entire content should have a keyword density in the range of 1% to 3% only.

This blog highlights the fact that content writing is immensely important for both on-page as well as off-page SEO. Therefore, the next time you wish to do SEO of your client’s website then be sure to hire the quality services of a professional content writer.

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Strengthening and Enforcing Our Profession

In order to be an effective project manager (PM), we should look at our definition of project management. Definitions surprisingly vary greatly by organization and individual. We should be careful about calling something project management that really is not. Doing so often confuses the profession. Call it what it is. If a position is more administrative, add this label. If a position is more holistic with overall responsibility and leadership for the success of the project, I’d be more inclined to call it project management. Well defined roles are not only essential for the organization and individual, but for the profession at large.

If someone is used to providing project leadership and overall project responsibility under a PM title, certain expectations are set. If the next opportunity doesn’t provide the same opportunities and expectations both the organization and individual may experience issues. Likewise if someone is in a lower level position where they simply schedule meetings and follow-up on action items, this individual may develop an inappropriate perception of project management. Remember, a true PM is responsible for all aspects of the project, including management of scope, time, cost, quality, procurement, human resources, communication, risk management, stakeholder management, and integration. I’d even take this list a step further and involve the PM in scope discussions during business development. It’s never too early to involve the person responsible for high stakes efforts.

Other pet peeves of mine are a lack of analysis and a lack of communication skills. Project management isn’t about producing reports or documents, but managing to ensure project success. Project data is necessary to ensure success, but without analysis and interpretation it is strictly administrative data. I’m also often amazed at the lack of communication in project management. Strong PMs spend eighty to ninety percent of their time communicating. This doesn’t mean just forwarding emails, but providing impact analysis and recommendations. And my final pet peeve (for this posting!) centers on improperly handling situations by escalating all items or informing all parties of all developments. This goes along with communication. Determine your stakeholders and how you will interact with those stakeholders. It may be easier to copy everyone involved, but it’s not about what is easy.

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Ways to Create a Powerful Website Design

For businesses to grow and be successful they need a website since this is among the most effective tools to realize their goal. This is also the way to draw potential customers to the products and/or services they offer. In addition, this has a wider reach compared to other marketing methods without their high startup costs. Businesses can consider the following tips to create a powerful web design.

Take Advantage of Visual Hierarchy

The term visual hierarchy refers to the arrangement of website elements like the color, font size, white space and position to put emphasis on the primary point for every page. In order to complement a call to action (CTA), it is important to direct the eyes of visitors to something they want done by means of these visual factors.

To highlight their landing page’s central theme, they can do the following:

Make the font size larger.
Place the text at the top part of the window.
Choose a contrasting color since this stands out from the rest of the page.
Include a captivating graphic or video making use of the latest innovative web design trends.
Use white space so it will stick out from other text.

Use Minimalism

Businesses should use and integrate the above mentioned elements on the website but they have to keep in mind that this should be done in moderation. If this is overdone, this will cause cluttering, which will make customers confused or even worse, discouraged.

Also, they should not let visitors complete many tasks. They should minimize form fields as well as menu items and only focus on one CTA that has one goal per page.

According to a Google study, users do not like visual complexity. There are ways to simplify a site such as:

Eliminate the Sidebar – rather than have readers click on information on the sidebar, the process can be made easier by taking away this element and just create a very long page. In this way, they will be able to scroll through the content and scan everything, raising the possibility that the message of the brand will be conveyed.

Go for Familiar Layouts – while they may think that an unusual site design will set their domain apart from the rest of the competition, visitors are actually attracted to simple layouts with easy to understand icons and effects. Also, using a regular web structure can improve navigation on their site.

Prioritize Readability

Businesses should consider readability to make it easy for users to recognize and comprehend the text on their site. Prioritizing this factor will make sure that users will not have a difficult time in scanning their site and will remember the information they want to be retained. They should use the most ideal typeface, font size and contrasting colors for their brand.


Websites are important since these provide prospects with information on the business, which includes the office address, email address and phone numbers.

In addition, websites enable businesses to build and establish credibility in their niche of choice by being a source they can trust and rely on. The best SEO strategies and relevant content will help establish their authority in their industry making use of their domain and most especially, a powerful website.

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Data Science And The Advantages It Offers

Data Science has turned out to be a progressive technological field that everybody seems to talk about these days. In fact, it is considered the ‘most appealing job of the 21st century’. Let’s find out more about it.

Data Science is a buzzword and not a lot of people understand it. While many human beings desire to emerge as data scientists, it is indispensable to check out the advantages of this field. Let’s check out some of the advantages.

1. It’s in high Demand

Data Science is in high demand. Prospective job seekers have several opportunities to avail of. It is the quickest developing field of job on LinkedIn and is envisioned to create 11.5 million jobs by the end of 2026. This makes Data Science a pretty employable job sector.

2. Abundance of Positions:

There are very few human beings who have the required skill-set to become a good data scientist. Therefore, this field of job is less saturated than other IT sectors. Therefore, this offers a lot of opportunities. The subject is high in demand but there are not many professionals out there who can meet the demand.

3. A Highly Paid Career option

Science has created a lot of highly paid jobs. According to Glassdoor, Data Scientists make more than of $116,100 per year. This makes data science one of the best moneymaking professions out there.

4. Versatile

There are several purposes of data science. For instance, It is extensively used in health-care, banking, consultancy services, and e-commerce industries. So, this field is a very versatile. Therefore, you will have the chance to work in a number of fields.

5. Data analysis

Data analysis companies require experts to analyze their data. They not only analyze the data but also enhance the quality of it. Therefore, this offers a lot of benefits for companies that are looking for an ideal way of getting their data analyzed.

6. Data Scientists are Highly Prestigious

Data Scientists allow different types of groups to make smarter business decisions. Companies rely on these professionals and use their understanding to grant much better services for their clients. So, these people play one of the most important roles in the company.

7. No More Boring Tasks

This has helped a number of industries to automate different types of redundant tasks. Companies make use of historic information in order to train machines to perform repetitive tasks. This has simplified a lot of hard jobs undertaken by real people before.

8. Data Science Makes Products Smarter

This field involves the use of Machine Learning that has enabled industries to create higher quality merchandise that are customized for each consumer.

For example, Recommendation Systems use on e-commerce web sites provide customized insights into the likes and dislikes of customers primarily based on their historic purchases. This has enabled computer systems to apprehend human-behavior and make data-driven decisions.

9. It can Save Lives

The Healthcare sector has been substantially uplifted due to of the advent of data science. With the introduction of computer learning, it has been made much easier to become aware of early-stage tumors. Also, many different health-care industries use these systems in order to assist their clients.

10. Data Science Can Make You A Better Person

This will not just provide you with a good profession but will also help you develop your personality. You will be able to enjoy a problem-solving attitude. Since many of these roles bridge IT and Management together, you will be capable to get the most of both the worlds.

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