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New York City Water Testing

Water is very important to everyone because, without water, you can not do so many things. You can not have water to drink and that will make you very dehydrated. If you do not have water, you will not be able to wash your clothes or to take a shower. You can not do so many things without water and that is why water is very important. If you do not have clean water, that is really bad because you can not use it. There are many places with very dirty water and that can be very bad indeed. If the water at your place is not clean, you should really do something about it or you can get sick. If you drink dirty water, this can affect your body and it can make you very ill which is not good.

If you are not sure if the water at your place is clean and if you can use them for chores and the like, you can get services to help test those waters for you. There are many water testing services in New York City that will help you find out if your water is good or not. Those services have tested a lot of water and while there were some that were really bad, there were also cases where water was found to be clean. If you want to test your municipalities for dirty water or your hospitals for clean water, you can always get those water testing services to do such tests for you in your place. Once you find out if your water is clean or dirty, you can act upon the results.

When you hire water testing services, they will test the wells at your place that have water in them. When they find that the water is dirty, they can act fast to help clean that water out. Once you know if your water is clean, you can then start to use it again but if your water is dirty, you should really stay away from such water because it can make you sick. Water testing services can also test waters in private airplanes, cruise ships, and many other services and for the military as well. You can also get those water testing services to test waters in your private businesses and companies.

If you have any questions about those water testing services, you can always contact them and get to know more about their services. You can find many websites online that can help you get in touch with such services and that is great. You can also read more about their services and what they can help you with. If you need support with water testing, you can find help near you because there are water testing services all around. We hope that you will not use dirty water because dirty water is dangerous water and you need to stay away from those dangerous things in life. Make sure that you only take clean water and use clean water for your own good and for your safety as well.

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Internet Banking: Relevance in a Changing World

Surprising, but true – Internet-based activity is not the preserve of the young “digital native” generation alone. A 2008 survey says that Generation X (those born between 1965 and 1976) uses Internet banking significantly more than any other demographic segment, with two thirds of Internet users in this age group banking online.

Gen X users have also professed their preference for applications such as Facebook, to share, connect and be part of a larger community.

This is some irony in this, since online banking, as we know it today, offers minimal interactivity. Unlike in a branch, where the comfort of two way interaction facilitates the consummation of a variety of transactions, the one way street of e-banking has only managed to enable the more routine tasks, such as balance enquiry or funds transfer.

It’s not hard to put two and two together. A clear opportunity exists for banks that can transform today’s passive Internet banking offering into one that provides a more widespread and interactive customer experience.

It is therefore imperative that banks transform their online offering, such that it matches the new expectations of customers. Moreover, Internet banking must journey to popular online customer hangouts, rather than wait for customers to come to it.

There are clear indications that the shift towards a “next generation” online banking environment has already been set in motion. It is only a matter of time before these trends become the norm.

Leveraging of Social Networks

Forward thinking banks are leveraging existing social networks on external sites to increase their visibility among interested groups. They are also deploying social software technology on their own sites to engage the same communities in two way discussions. Thus, their Internet banking has assumed a more pervasive persona – customers are engaging with the bank, along with its products and services even when they’re not actually transacting online.

Heightened visibility apart, banks can gain tremendous customer insight from such unstructured, informal interactions. For example, a discussion on the uncertain financial future among a group of 18 to 25 year olds could be a signal to banks to offer long term investment products to a segment that was previously not considered a target. Going one step further, a positive buzz around a newly launched service can create valuable word-of-mouth advertising for the business.

Collaborating through Web 2.0

The collaborative aspect of Web 2.0 applications has enabled banks to draw customers inside their fold more than ever before. Traditional methods such as focus group discussions or market research suffer from the disadvantages of high cost, limited scope and potential to introduce bias. Feedback forms merely serve as a post-mortem. In contrast, Web 2.0 has the ability to carry a vast audience along right from the start, and continue to do so perpetually. Thus, an interested community of prospects and customers participate in co-creating products and services which can fulfil their expectations.

The pervasiveness of Web 2.0 enables delivery of e-banking across multiple online locations and web-based gadgets such as Yahoo!Widgets, Windows Live or the iPhone. This means next generation online banking customers will enjoy heightened access and convenience

A New York based firm of analysts found that 15% of the 70 banks tracked by them had adopted Web 2.0, a number of them having done so within the last 12 months.

Standard Chartered Bank employees connect with their colleagues through Facebook and use the platform to share knowledge, clarify questions and participate in discussions on ongoing company activities.

Bank of America, Wachovia Bank and Commonwealth Credit Union have built a presence within interactive media to create awareness and keep up a dialogue with interested communities. They have employed a variety of methods, ranging from creating YouTube communities to launching campaigns on Current TV, a channel in which viewers determine content.

Personalisation of Online Banking

Vanilla e-banking divides customers into very large, heterogeneous groups – typically, corporate, retail or SME, with one type of Internet banking page for each. That’s in sharp contradiction to how banking organisations would like to view their clientele. Banks are moving towards customer-specificity, almost viewing each client as a “segment of one”, across other channels, and online banking is set to follow suit. For instance, a specific home page for home loan customers and another for private banking clients could well be a possibility in future.

Interestingly, National Bank of Kuwait had the foresight to do this several years ago – they enabled customers to determine which products they would view and access, and were rewarded with a dramatic increase in online transactions.

Money Monitor from Yes Bank allows customers to choose their landing page – for example, they can set “all transactions”, “net worth” or “portfolio” as their default view. Other features include the ability to categorise transactions as per customers’ convenience and the printing of custom reports.

Empowerment Online

Beyond doubt, Internet banking has created a more informed, empowered class of customers. This is set to climb to the next level once customers are allowed to proactively participate in many more transaction-related processes. The Internet has already made it possible for customers to compare product loan offerings, simulate financial scenarios and design custom retirement portfolios. Going forward, they would be able to consummate related transactions – which means, after comparing interest rates, they could originate a loan online, and once secured, they can begin to repay it online as well.

Portalisation

The emergence of Web 2.0 technology coupled with banks’ desire to personalise their e-banking to the highest degree is likely to result in “portalisation” of Internet banking. The idea of banking customers being able to create their own spaces online, filled with all that is relevant to them, is not that far-fetched. Customers can personalise their Internet banking page to reflect the positions of multiple accounts across different banks; they could include their credit card information, subscribe to their favourite financial news, consolidate their physical assets position, share their experiences with a group and do more – all from one “place”.

Money Monitor enables customers to add multiple “accounts” (from a choice of 9,000) to their page. Accounts could be savings or loan accounts with major Indian banks, or those with utilities providers, credit card companies, brokerage firms and even frequent flyer programs. Users can customise their pages as described earlier.

As banks seek to develop their Internet banking vision for the future, in parallel, they will also need to address the key issues of security and “due defence”. While it is every marketer’s dream to have customers work as ambassadors, adequate precaution must be taken to prevent the proliferation of malicious or spurious publicity. Therefore, before an individual is allowed to participate in a networking forum, he or she must have built up a favorable track record with the bank. The individual must be a recognized customer of the bank, having used a minimum number of products over a reasonable length of time. Qualitative information about the person’s interaction with the bank’s support staff (for example frequency and type of calls made to their call centre, outcome of such interaction and so on) may be invaluable in profiling the “right” type of customer who can be recruited as a possible advocate.

Collaborative Web 2.0 applications may necessitate opening up banks’ websites to outside technology and information exchange with third party sites, raising the spectre of data and infrastructure security. A robust mechanism of checks and balances must be built to ensure that the third party sites are secure, appropriately certified and pose no threat to the home banks’ sites. Likewise, before a third party widget is allowed to be brought on to a site, it must have passed through stringent security control.

Due diligence must be exercised before permitting users to place a link to another site to guard against the possibility of inadvertent download of malicious software, which could, in the worst case, even result in phishing originating from the banks’ sites.

It is equally important for a bank to guard its customers against invasion of privacy, data theft or misuse. The concept of portalisation envisages deploying technology to bring information from other banks’ or financial service providers’ websites into the home bank’s site. The home bank must ensure that its customers’ personal or transaction related information, which may be shared with the other providers, is not susceptible to leakage or outright misuse.

Banks will do well to partner with an Internet banking solution provider which has not only the expertise to translate their vision into a cutting edge e-banking experience for the user, but also the foresight to define boundaries for safety. With security concerns adequately addressed, next generation Internet banking is full of exciting possibilities. Banks that seize the opportunity may find that Internet banking can become a means of differentiating themselves from competitors, rather than a mere cost cutting tool. Clearly, providing a more powerful and interactive e-banking experience, is the way forward.

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Key Factors to Consider when Doing Digital Marketing

One of the important things that is key to a lot of businesses in the world is the marketing of the busses, this is because through the marketing, you are able to get and make more customers to your business that will in turn help you in making more profit to your business and grow the business. The digital marketing has been developed in tender world thanks to the introduction of technology that has seen the marketing operations made easier and more efficient than before. To be able to have good marketing for your business, there are a number of things you need to learn more about in the digital marketing that will help you in doing this. The many thing that one needs to take into consideration when doing the digital marketing for their business makes it a challenge for a lot of people in the business sector to be able to make the business for their marketing hard and challenging. The article below gives some of the key tips you need to take a keen interest in to help you learn more about the digital marketing that you are able to use to help you in your digital marketing operation.

The budget for your business marketing site first important thing you need to take into consideration to help you in doing the digital marketing. There are several digital marketing platforms and strategies that you are able to follow to help you in marketing your business, the different platforms may cost you different amount of money, to be able to find an affordable digital marketing platform for your business you should have a budget that will help in comparing and also learn more about eh different charges to be able to choose on that costs an amount that can fit in your budget.

The other key thing you need to take into consideration to help you in the digital marketing for your business Is hiring a digital marketing company. There are several digital market agencies that have been developed in the modern world that are trained and have the staff that have knowledge that will be able to help you in owing the digital marketing much more easily and stress free, this thus gives you the opportunity to learn more about digital marketing for your business future marketing operations.

The other key thing you need to do and learn more about when having digital marketing for your business, is the selection of a digital marketing platforms. For you to be able to find a digital marketing platforms for your business is choosing a digital marketing platforms, you should compare the different platforms and earn more about the different platforms, this because from the information you get you are able to choose e a good platforms for your business easily. The digital marketing for your business is made easier when you follow the guide in the article above and learn more about them.

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Smart Tips For Choosing The Best Auto Insurance Cover

Your vehicle is one of your most prized possessions and you need to ensure that it is well protected. One of the best ways of doing this is buying the proper auto insurance coverage. The market is populated with a lot of insurance agencies which makes it hard for you to make your choice easily. On the other hand, different products are all over which means that you should exercise due diligence before you make your final purchasing decision. The aim of this blog is to guide you accordingly in that direction so that you will be satisfied with your choice.

You must make sure that you are buying your auto insurance policy from the agency that has been operating the business for a long duration. This is because you can trust that they have a lot of experience and competence that will enable them to offer you the best service delivery. On the other hand, it is in order to visit the internet for the purpose of accessing the useful resources that will help you pick the best service provider. Look at what the clients that have engaged the auto insurance agency in the past are saying.

One of the aspects that will guide you in making a suitable choice for the auto insurance agency is the cost. You must ensure that you are financially able to pay the premiums that are quoted. It is a good business decision to compare the rates that are offered by different insurance providers for the purpose of getting the most competitive ones. You must, however, ensure that you are getting the coverage that is sufficient and your money’s worth. This means that you should base your eventual choice on cost only as that may cause you to get shortchanged on value.

When you are searching for the right auto insurance agency, it is essential to confirm that they are representing providers that have a strong financial base. The importance of this is that you will have the guarantee that your claims will be processed and settled as fast as possible. For this reason, you must endeavor to seek to know the financial ratings of the insurer from the online sites that are dedicated to providing those statuses.

You must make sure that you are going for the auto insurance agency that holds the necessary licensure and registration that gives them the authority to offer services in your area. If the service provider is a member of the regulatory bodies in the market, you are on the right path. This way, you will be in a position to find out if the agent has been accused of engaging in unprofessional and unethical behaviors. As well go for the company that is well-rated in the better business bureau and one that has a good image in the business.

Look for the auto insurance agency that is based in the area where you are residing. The importance of this is that you are going to rest assured that the services that you will receive will be fast and efficient. On the other hand, this will be cost-effective.

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