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Studies show that we are buying more goods online than ever before, and the delivery industry has had to ramp up quickly to handle this retail increase. Figures recently released in the UK reveal that deliveries are up, but road haulage has actually become more efficient. What does this mean for consumers and for retail businesses – and what is the future of online shopping in Britain and across the world?

The growth of online shopping

65% of people living in the EU made at least one online purchase in the past year, according to Eurostat. It seems that online shopping has finally reached its tipping point, outperforming the high street by around 1%. A recent Wall Street Journal study revealed that 51% of purchases were made online – up from 48% in 2015. Almost half of those purchases (45%) came from mobile devices. Today’s consumer shops quickly, orders while they are on the go, and wants fingertip access to the products they purchase. This is not just a UK or European trend either – from the US to Australia and from Eastern Asia to central Africa, online shopping is growing throughout the world. The ability to shop anywhere in the world is changing trade for every nation.

What is pushing this increase in online shopping? Consumers interviewed in New York revealed their top choices for internet purchases:

  • Electronics
  • DVDs
  • Music
  • Clothing
  • Books

Convenience and direct deliveries are a big part of the appeal when buying online, along with flexible shopping hours. “I work long hours, and don’t always get chance to visit the store,” says NYC resident Marti Jackson. “When I get home I can find my favourite stores on my iPad, and browse items at my own pace without spending hours at the mall. They get delivered directly to me and I don’t have any hassle at all”

Cutting costs is another key reason for shopping online. Deals and discounts are extremely widespread, with hundreds of retail outlets shipping designer and high street goods to buyers around the world. Shoppers love a bargain and are always looking for great offers to save them some cash. This has led experts to predict that 1.6bn parcels ordered online will be shipped to UK consumers in 2016. “Around two thirds of all code requests at our site relate to physical products – consumer goods – and this is surely contributing to a rise in overall deliveries,” said Swapnil K., marketing analyst of VoucherBin.co.uk

The impact of increased online deliveries

Recent figures released by the Department for Transportation show that road deliveries increased by a huge 12% between 2014 and 2015. In the same period, online retail sales grew by 16.2%. International courier firm UPS recently reported a 10% profit growth as a direct result of online consumer purchases. As we buy more goods online, it has the knock on effect of sending more haulage vehicles on to the roads – and increasing pressure on an already growing industry. More road haulage means an increased environmental impact, rising costs for companies – and potentially, an increase in delivery costs. One might reasonably assume that our roads have got busier to compensate for all these increased deliveries.

In part, that is certainly true. Logistics companies report a 9% increase in HGV use over the past eighteen months. However, this leaves a 3% gap that did not previously exist. It seems that as the online retail industry grows, haulage companies are becoming more efficient and can handle deliveries more effectively. This is great news for the environment, for haulage companies – and for consumers as well. Delivery companies who can keep their own costs down can pass these savings on to online shoppers.

The future of online shopping

The benefits of online retail are varied and numerous. While some still prefer physical stores where they can test out products, shopping online keeps picking up fans. Many shoppers turn to the internet to get products they cannot find locally, while others choose this route for convenience and flexibility. Access to a wider range of brands, the chance to pick up deals and voucher codes and easy delivery of heavy or bulky items are all alternative reasons to choose the online route.

It doesn’t seem likely to slow down any time soon. Millennials are the main demographic influencing today’s retail market, and they have shown an overwhelming preference for mobile web services. This is pushing many online retailers into the mobile sales market, selling their products through dedicated mobile apps and shopping hubs. In this age group, price is the biggest influencer for any purchase decision. As online is the best way to compare prices and switch between retailers, it is also the best way to get you a great low price. Brands that want to stay ahead of the market need to keep offering cut price deals and ensure they have a great mobile app for their customers to use.

Of course, online shops need to step up their game if they want to keep competing for a decent share of the market. Studies show that 59% of consumers purchase less from a retailer that has a slow loading or hard to navigate website, and 57% will reject e-commerce sites that are not mobile compatible. Keeping up with changing technology is a key to harnessing the online sales market and achieving long term success as an internet brand.

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The Subtle Nuances That Count: 5 Factors That Could Have an Effect on Your Car Accident Settlement

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One of the most common questions you hear from those filing accident claims is how much their case is worth. Ascertaining the final amount for your settlement will often depend on a myriad of factors. Coming up with the final settlement can be an intricate process because so much is usually involved in the calculation. Some of the factors which affect your payout include the location of the accident, proof of medical treatments and bills, among others. Apart from that, there needs to be proof of liability on the part of the defendant and how much fault you, the plaintiff or victim, had in the accident. To further understand the aspects that could have an impact on your car accident settlements, here is what you need to know.

  1. The severity of Your Injuries

Undoubtedly, the more injuries you sustain as a result of an accident, the higher will be your accident payout. A traumatic brain injury or a catastrophic injury of any nature will require more medical expenses in addition to other factors such as pain and suffering as opposed to a soft-tissue injury or just a broken finger. In fact, to bring a lawsuit of pain and suffering, it is required that your injuries surpass a certain threshold. For that to happen, you must have undergone a permanent disfigurement or a serious body impairment which renders you useless in any way. If your injuries do not meet the threshold outlined in your state, you will not be in a position to file a lawsuit for your pain and suffering. However, the good thing is that you may still recover other benefits such as lost wages and medical expenses if you don’t pass the threshold for pain and suffering.

  1. Reasonable and Necessary Medical Costs

Don’t always assume that the adjuster will agree with the amount you want to be reimbursed for your medical expenses. In most cases, insurance firms do not like paying out for procedures or treatment which they believe is excessive or unnecessary.  Areas of contention include acupuncture or chiropractic treatments. Although you believe these professionals helped you to recover, the opinion of the insurance adjuster will always be different. In any case, insurance firms will be more willing payout only what they believe is necessary and reasonable when it comes to the aspect of medical cost. For instance, if you suffered multiple injuries on your soft-tissue and visited an acupuncturist and a chiropractor and paid a total of $4,800, the adjuster may feel that only $3,000 of your bill was necessary and reasonable. By that, it means that you’ll be personally responsible for the excess of $1,800, and this is something you’ll most certainly want to avoid. For that reason, make sure you seek treatment from reputable medical professionals to avoid this kind of confusion.

  1. Your Actions After the Accident

How you act after the accident will go a long way in establishing consistency and proving that the injuries sustained have had an impact on you in a great way. If the insurance firm believes you did not take the correct measures that minimize the severity of your injuries, they may end up reducing the value of your claim if not deny it altogether. As a result of that, you are always advised to seek medical assistance after a crash. The insurance firm may take your hesitation to seek medical attention as a sign of negligence on your part or a sign that your injuries aren’t as severe as you claim.

It’s also imperative that you stick to the treatment plan prescribed by the medical professionals so the insurer can know you didn’t ignore any medical advice and that you took all the necessary step to improve your condition after the accident. In addition to that, if you are not in a position to work as a result of the injuries, you shouldn’t perform any physically demanding tasks to avoid worsening your injuries.

  1. Your Version of Events

Once you have provided a statement after a car accident has occurred, it’s imperative to stick to your facts of what actually transpired during the crash. Your presented statement should match the statement you presented to the police officers at the scene of the accident and your healthcare provider. If there are any inconsistencies in your version of events, you could raise some question marks regarding the validity of your claim or the credibility of your statement. To prevent this from happening, state the facts as they are and do not change anything to fit your story.

Apart from that, it may be in your interest to consult a legal professional so they can let you know what your accident claim might be worth and what steps to take to ensure you get what you deserve. Your lawyer understands the importance of offering factual statement and how that will help you to get your deserved compensation.

  1. Accident Location

A lot of people who are involved in an accident are not aware of this but the location of the crash has something to do with the amount of compensation a person will likely get. This may sound unfair, but that’s simply how things are. Verdicts for auto accident lawsuits usually vary significantly from country to country and city to city. For instance, verdicts in Detroit or Wayne County are much higher on average as opposed to verdicts on smaller counties or rural town. This can mainly be attributed to the level of income. For instance, income in larger metropolitan areas are often higher and as a result, jurors tend to give out high compensation during their awarding.  What’s more, the average out-of-court settlement in many regions usually depicts historical awards by jury in those areas.

If you looking for a general idea of what your case may be worth, you need to consider the accident locations along with the historical case records of similar patterns. Although this is not an accurate measure of compensation, it will give you an idea of what is to be expected.

Final Word

The above are some of the factors that could impact your car accident claim. In addition to knowing these factors, you need to make sure you seek the services of an attorney to guide you through the compensation process.

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Medical Retirement for U.S. Federal Workers: The World Of Yesterday

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Medical Retirement

The word “yesterday” has been always a complex one. It means our memories and it surrounds all what we remember, a anworld impossible to forget. Yesterday is the reason of our conversations and the reason why we see things the way we see them. It determines our thoughts, our reality and our decisions in the future. The past is our engine, our power to talk and to be right. So as hard as it may sound, it is now when we are in the need to accept that medical condition has made its introduction and realise its existence, its future impacts and its chronic appearance.

Medical Retirement is changing, Federal employees and U.S. Postal workers who suffer from a medical condition are experiencing the consequences. In The World Of Yesterday, anyone with it could be disguised, tolerated or even be ignored. Nowadays the medical condition are not letting the U.S. Postal workers or Federal employees perform the vital tasks of these jobs.

We need to keep in mind the fact of preparing and filing an effective OPM Disability Retirement application is a real need nowadays. The U.S. Office of Personnel Management archives this application for the employee in order to be under CSRS, CSRS Offset or FERS.

Moving Forward and Doing Things Right for the Future

There are tons of people in our same situation that never do anything and don’t look forward or fight for their own rights, especially Federal employees and U.S. Postal workers who have problems with their medical retirement nowadays. Because, there is a clear lack of empathy in the government, and it is causing all these issues. But it is a fact that people get older. As years pass by we will all need a doctor no matter how our medical condition be in that moment.

We are accustomed to focusing on past events instead of focusing on what’s yet to come. And sometimes past don’t let us move forward. But complaining about life’s unfairness is so insignificant, because it only makes us lose energy, happiness, and the sense of now. An easy way to move on is by closing stages by ourselves and looking for our calmness and peace. How to get that? The first step is to think about what is in our hands to close this period. Then we just have to go ahead and do what we gotta do. Sitting back and doing nothing at all won’t change anything, it won’t make you feel better.

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ISO 9001, the QUALITY MANAGEMENT SYSTEM that will boost your company’s benefits

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Many organizations establish their Quality Management System (QMS) based on the requirements of ISO 9001: 2015. The benefits and advantages of implementing ISO 9001 extend to several areas of the business. Of course, visibility and expansion in the market are among the most mentioned. In this article, we look at why ISO 9001 can be a big boost to any business and best way to ensure continual improvement.

What is ISO 9001?

iso 9001

ISO 9001 is a system that is designed to make business owners and managers feel more in control of their businesses through a series of efficient systems and processes. It is a way to align the objectives of the company and the ideas of the employees in favour of the organization. By implementing the standard, the organization shows the employee that they should think about the future, that the market is changing and that suggestions are always required that lead to improvement.

ISO 9001 is systematic and process driven approach to managing your businesses’ day to day activities.  It is designed to support your business in ensuring that you meet the needs of your customers, whilst delivering a consistent level of quality and satisfaction. The areas that are covered within ISO 9001 include customer satisfaction, training records for staff, preferred supplier lists, contract reviews, quality objectives, management Review meetings, evidence of Monitoring and Measuring and non-conformance register.

Who is ISO 9001 for?

ISO 9001 is a certification that can be achieved by any business, of any size, in any sector.  Traditionally ISO 9001 has been seen as a quality management standard for the manufacturing sector.  However, ISO Quality Services Limited have helped implement ISO 9001 into many other sectors including:

  •     Business services sector, including accountants, solicitors and business consultancies;
  •     Waste and cleaning companies;
  •     IT and creative businesses;
  •     Charities and care homes;
  •     Construction companies;
  •     Automotive and transport companies; and
  •     The hospitality and retail sector.

If you run a business in any of these fields and improvement is high on your agenda for 2018, but you are not sure how to get started, there are consulting companies which offer trainings on the topic such as the Mexican firm SPC Consulting Group.

What are ISO 9001 benefits?

Thanks to the improvement in quality management, the ISO 9001 certification, brings a new image to the market. This shows that the organization cares about the way it is seen by its clients. The certification shows them that quality is what your business aims to, that the company wants to keep improving and that you are open to new opportunities and partnerships.

Of course, the main players in the markets are more receptive to the business that have the certification –in certain industries, it may even prevent those who do not have it from even participating, indeed.

Long and short term benefits

In the short term, obtaining ISO 9001 certification provides improvements in internal business processes by reducing rework and waste and increasing the quality of products. The savings generated can be invested in the development of new products, staff training, structural reforms of the facilities, etc.

In the long term, it is common to check the increase in income of the organization, as customers become loyal and satisfied, which leads to the arrival of new business partners. This is one of the main benefits and advantages of implementing ISO 9001. The organization stops focusing its attention on the product and orientates it towards the client. Therefore, the first step is to know in depth what motivates them, what are their values, their expectations, their lifestyle, their behaviour, their opinions, and so on. With this information, we can understand our customer as a whole and seek their satisfaction, and how to create value for them.

General benefits

In addition to all of that, there are a number of benefits that the ISO 9001 QMS standard has on offer to an organisation.  First of all, ISO 9001 means and improvement in an organisations business performance with better cost management, which results in a rise in productivity a revenue –as a result of Integration and alignment of an organisations internal processes. A reduction in costs and shorter cycle times through an effective use of available resources will enhance customer satisfaction and loyalty, meaning an increased possibility of repeat business, and it will also provide a confidence to possible interested parties/customers as to the effectiveness, consistency and efficiency of the organisation. And all of this will lead to an improvement in an organisations planning, communications & administration processes; an increase in an organisations credibility & competitiveness within its market; and finally, an Increase in revenue & market share on the back of fast responses to market opportunities.

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