Ecommerce Basics: 10 Questions to Ask When Creating an Online Store #ecommerce,technology,selling #online,websites,shopify,10 #questions


Ecommerce Basics: 10 Questions to Ask When Creating an Online Store

Former West Coast Editor

If your company sells goods in a brick-and-mortar store but not online, you could be missing out on an incredible revenue-generating opportunity. U.S. online retail sales grew 12.6 percent to $176.2 billion in 2010, and they re expected to reach $278.9 billion by 2015. according to Cambridge, Mass.-based technology and market research company Forrester Research.

Is your business ready to reap some of those online sales? Launching an online store can be challenging for small businesses, which are often short on time, budget and staff. But ecommerce vendors can help you make designing and maintaining an online store relatively simple and affordable.

Here are 10 important questions to ask when creating your company s first online store:

1. How do I start building my online store?
If you can t afford to hire someone to build a custom online store, don t worry. There are plenty of ecommerce vendors that can help you create one quickly. They can take the hassle and headache of hard coding, hosting and doing maintenance on a server of your own out of the online store equation, says Julian Barkat, director of ecommerce and online marketing at Eggs to Apples. a Philadelphia digital marketing agency.

Such companies as Bigcommerce. Shopify. Goodsie. Jumpseller and Volusion let you design the overall look, feel and functionality of your online store. They also let you do things such as upload your product catalog, set up customer shopping carts, securely accept payments and handle order fulfillment. These services securely host your online store on their own servers. You can link to your online store from your company s main website.

Ecommerce services such as these usually require some basic initial set-up work on your part. For instance, with Shopify, you choose a storefront layout from a set of templates and customize your fonts, overall color scheme and product image sizes. Shopify users can also upload their own custom brand logos and backgrounds.

Prices for such services range from about $10 to $700 a month, depending largely on the number of products you sell and the amount and types of services provided.

2. How can I best customize the overall look of my online store?
In most cases, if your company already has a website, your ecommerce site should reflect your existing online look, including your logos and color schemes. If you don t have a business website, choose background and accent colors for your ecommerce site that complement your logo.

Most design templates from ecommerce vendors come with preset theme settings that don t require HTML or CSS knowledge to customize. So, it should be relatively easy to upload your logo and product images and add banners, slideshows and more.

3. What type of payment system should I use?
Barkat recommends PayPal when you re starting out. That s mainly because the third-party processor is so widely known as a secure system for accepting online payments.

While there aren t any sign-up or fixed monthly charges for PayPal s basic service, Barkat cautions that PayPal s seller fees can really add up quick. PayPal sellers pay a 2.9 percent transaction fee on the total sale amount, plus a 30-cent fee per transaction. is another popular payment processing solution that Barkat recommends. The processor charges a $99 set-up fee, plus a $20 monthly fee and 10 cents per transaction.

Still, many shoppers prefer to pay for online purchases with their own credit cards rather than use PayPal or other third-party payment processors. You can obtain a merchant account with each individual credit card company. Many charge fees per transaction ranging from 20 to 50 cents, plus a percentage of the total purchase amount. Some also charge monthly, quarterly and annual fees.

4. How will I handle customer service?
To respond to customers concerns efficiently, you may want to choose an ecommerce vendor that gives you access to a reliable customer relationship management (CRM) tool. Most of the major ecommerce vendors offer CRM options, sometimes for an added fee ranging between about $25 and $75 per month.

CRM tools document, streamline and structure the many ways merchants interact with customers in one central place, including customer contact information, recent purchases, complaints and pending orders.

Heather Peterson, founder of Girl Charlee Inc.. a Signal Hill, Calif.-based online retailer and wholesaler of vintage and rare knit fabrics, suggests getting a toll-free phone number specifically dedicated to customer service. Another option is to set up a live chat in your online store, she says, but only if you can operate it 24/7, which online shoppers have come to expect.

5. How should I determine shipping costs?
It s often easier and more accurate to leave exact shipping-cost calculations — both to you and your customer — to the carrier you use. The major carriers will calculate shipping costs for you for free, and most major ecommerce vendors allow you to integrate those costs into your store s checkout section.

On the other hand, you may want to consider offering free shipping, at least for orders over a certain amount. If your direct competitors provide free shipping, Peterson suggests that you consider it, too, if you can afford it.

6. How do I create the best product images and descriptions?
Online shoppers don t get to see, touch, feel or smell your product, says Barkat, so the next best thing is a crisp, clear product image. While he says you shouldn t entirely cut corners on photography, you don t have to hire a professional to get high-quality images. But you should use a 16-megapixel DSLR camera, decent lighting and a light box, he advises. A photo lightbox is a tent-like container with several light bulbs aimed at its interior that photography professionals often use to create well-illuminated images of objects.

Peterson says written product descriptions should be short, yet rich with enough interesting details to pique customer interest. Try to use compelling adjectives and phrases that evoke an emotion when someone reads your description, she says, without getting too carried away or taking up too much space. In addition to noting the price, you may want to include product uses, dimensions and other defining characteristics.

7. Should I allow customer reviews and social sharing?
Giving customers the ability to comment on your products and leave ratings can help boost their confidence in your store, Peterson says. Positive reviews and social media shares could lead to more sales, but there s also the risk of negative comments. Several major ecommerce services offer customer review options that allow you to respond to — or remove — undesirable comments.

While Peterson hasn t yet enabled customer comments within her online store, she has made it possible for customers to like her products on Facebook, pin images of them to their Pinterest pages and email images and brief descriptions of them directly from the product listings.

8. How will I start to attract shoppers?
After your store is up and running, spread the word both online and off. Placing links to your store s web address on your company s main website and in your email newsletter campaigns would be a good start. Peterson also recommends creating Facebook, Twitter, Pinterest and YouTube accounts representing your online store. Updating your company s social media sites a few times a day can drive traffic to your store by drawing attention to daily deals and other promotions.

It s also advisable to choose an ecommerce vendor that automatically uses search engine optimization (SEO) for your store s content. SEO tactics can give your store a higher ranking in search results on Google, Bing and Yahoo.

9. How should I handle returns?
Every store has to deal with returned items. Double-check that your ecommerce vendor provides built-in tools that let you quickly and easily replace merchandise or refund purchase prices, restock your inventory and send emails to customers about the status of their return.

10. How can I track the success of my store?
Try to select an ecommerce vendor that offers free self-service analytics, often driven by Google Analytics, and other reporting tools to help you track your store s performance over time. These can tell you how many people are visiting your store and how often, where they live and how they found you. They can also show you which websites drive the most traffic to your store and which products customers look at and purchase most and least often.

10 Questions to Ask When Hiring a Webmaster

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Things to do in Atlanta, GA

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Think about your interests: theme parks, gardens, art, theater, music, museums, historic battlefields. Atlanta’s got all of those and then some in its diverse attractions. Downtown Atlanta is home to CNN, The World of Coca-Cola, Centennial Olympic Park, the Georgia Aquarium and the National Center for Civil Human Rights. Historic Auburn Avenue marks Martin Luther King Jr.’s legacy, while neighborhoods like Grant Park, Buckhead, Kennesaw and Marietta claim home to various Civil War sites. Six Flags Over Georgia lies west of the city, while the famed High Museum of Art, Piedmont Park, Atlanta Botanical Garden and Fox Theatre are in central Midtown.

Hot Tips: Check out the attractions’ websites before you go for special admission rates and museum hours.

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When traveling to Atlanta, you’ll come to know that the best hotels in the Midtown and Buckhead neighborhoods. Here, you’ll find both the opulent, high-end chain and the thoughtful, local boutique hotel. Additional options abound near the Perimeter and in Downtown Atlanta. Downtown hotels are tailored more toward the business traveler seeking conference and meeting capabilities. For those looking for nirvana outside the city (within an hour of Downtown Atlanta) try bucolic destinations like Chateau Elan or The Inn at Serenbe for a foodie-filled reprieve.

Hot Tips: If you’re in town near the holidays, book your Buckhead or Perimeter hotel in advance. Malls in both areas are popular spots this time of year.

Hot Tips: Eat at your hotel’s restaurant. BLT Steak, Cook Hall, Livingston and eleven offer awesome eats.

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Atlanta is a pinnacle city for travelers with an appetite. Immense dining options abound in neighborhoods across the city. If your visit is a short one, plan your meals in Decatur (an easterly in-town neighborhood that seemingly opens a new restaurant every week), Buckhead and Midtown. Doraville is home to Buford Highway, the famed row of mom-and-pop ethnic restaurants (everything from sushi and Chinese dumplings to tongue tacos) and is a prime place for foodies to explore.

Hot Tips: Don’t go to chains. Try the local spots.

Hot Tips: It’s always a good idea to call and make a reservation. A lot of the hyped or recently opened restaurants book up quickly.

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If your idea of an idyllic night out in Atlanta involves dancing, you’ll want to hop around Midtown or Buckhead. Both are home to a range of hopping clubs slinging pricey cocktails and thumping beats. Catch live comedians and musicians at spots like Laughing Skull Lounge, Eddie’s Attic, Terminal West and The Earl. For a low-key evening, Atlanta offers a smattering of easy-going brew pubs and bars. If you like a posh night out, raise a glass at one of the city’s high-end hotel bars.

Hot Tips: Take Uber or a taxi if you’re planning on a wild night out.

Hot Tips: Visit the club’s website before going out and snag a spot on the VIP list. You’ll save major bucks.

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For familiar brands and high-end labels, Atlanta’s best shopping can be found in Buckhead. Go to Lenox Square Mall for a diverse sampling of well-known retailers. Phipps Plaza, across the street leans toward pricier offerings (Giorgio Armani, Gucci, Jimmy Choo, Valentino, Versace), while various small boutiques can be found throughout the neighborhood. A little further north, the immense Perimeter Mall delights in its extensive options–and surrounding restaurants. The Westside is a home design-lover’s paradise with scores of antiques and interiors shops. This area also lays claim to big-name men’s shops like Billy Reid and Sid Mashburn.

Hot Tips: For an incomparable shopping experience, hit the sprawling Scott Antique Markets, held the second Thursday-Sunday of each month.

Hot Tips: An Atlanta Braves bobblehead. They typically hand them out to the first 20,000 fans at each game, so arrive on time or a little bit early!

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Shopping in the South for the Holidays? Choose Atlanta

Atlanta is known for.

Five of Atlanta’s most unique features and characteristics.

1. Central Location:

A city with undeniable Southern roots, modern Atlanta, a major tourist destination in the region is known for its growing number of talented celebrities, its diversity, shopping, thriving nightlife, and sultry weather. It’s called Hotlanta both for the weather and the nightlife.

Atlanta is the home of Hartsfield-Jackson Atlanta International Airport, the world’s busiest airport in the world. According to the airport itself about 90 million people travel through the airport every day. Atlanta is also centrally located, within a short flight of where more than 80% of the people live in the United States, according to Hartsfield-Jackson, Atlanta International Airport. So, if you travel by air and have a layover, you are likely to make a stop in Atlanta. If you live or visit Atlanta, you can take a flight, train or bus to dozens of domestic and international destinations.

2. Celebrities:

Through the years, Atlanta has become a hotbed of talent, particularly for rappers and singers who were either born in the city or now call it home. T.I. and his wife Tiny, Bow Wow, Lil Jon, Usher, Whitney Houston and Bobby Brown, Tyler Perry, and Ciara are just a token of the entertainers who call Atlanta home. Julia Roberts is from Smyrna, an area in metro Atlanta, and Tyler Perry got his start in Atlanta, too. There is also a never ending stream of television shows and movies that feature Atlanta, like the Real Housewives of Atlanta. the Braxton’s Family Values. and Single Ladies.

3. Diversity:

Although the old South is described as conservative and maybe even restrictive, Atlanta is known for its diversity and culture. Thousands of people travel to Atlanta for its annual gay pride festivities. You’ll also find a healthy mix of people from various nationalities and religious beliefs. Atlanta, therefore, represents a mix of old South values with modern beliefs from its population, which is a tad bit younger than some other cities.

4. Nightlife:

From Atlanta’s nightclubs and music venues to its comedy clubs, the city has everything from high impact partying, to low-key jazz and poetry readings. People visit Atlanta to party in some of the hottest nightclubs in the region. Sometimes celebrities make guest appearances or stop in to hang out in the clubs’ lavish VIP areas. The exclusivity associated with some of the more popular clubs on busy nights, makes the nightlife even more desirable. As the sun sets on Atlanta’s night scene comes alive with entertainment to suit a variety of tastes.

5. Shopping:

Visitors can find almost anything that they want to buy in Atlanta. There are dozens of malls and hundreds of shopping centers. Warehouse stores with deals on shoes, clothes, accessories and household appliances are also plentiful. For antiques, modern furniture or household accessories you might shop on Miami Circle to explore its numerous home stores. Shoppers who seek the latest styles from sought-after designers are likely to visit Buckhead. Just about every city in the Atlanta area has shopping areas that locales would call the best.

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NordVPN has neatly emerged as a competitive offshore VPN company. It is tough contender in European market for VPNs though it can greatly expand its reach by adding servers and locations. Its remarkable innovations in the form of double anonymity and Tor over VPN make it stand out among the best players of the VPN industry.

What Does a VPN Do?

A VPN stands for Virtual Private Networks. VPN Services serve the purpose of protecting your browsing information from hackers, ISPs and espionage measures. It also hides or changes your location and IP address depending on which VPN server you are connected to. They have many essential uses such as security, privacy and protecting your personal data.

VPN services also come in handy when it comes to bypassing geo restricted content such as a Youtube video that is not available in your country. For example, if you want to watch a video that is only available in the US, UK or China. Then you can connect to a VPN service that has servers in those countries to access it without any restrictions. It is pretty simple. Just follow our detailed guides:

  • Unblocking content and bypassing restrictions in US-only websites: VPN for US
  • VPN for UK: Accessing region-locked content by using anonymous UK IP addresses
  • Bypass the Chinese Firewall and hide your online activity from monitoring using a VPN for China

When you subscribe to a VPN service, it usually comes bundled with VPN software or apps that help you connect to their servers, change your location and much more. For more information on how they work, check out our VPN software reviews on VPN for iPad, Mac, Windows Desktops and phones as well as game consoles such as Xbox 360, Xbox One, PS3, PS4 and more…

Just type your device or need in the search and get easy tips and guides right away. We have also made sure to cover how you can set up a VPN on your device to stream your favorite movies and TV shows on Netflix, Hulu, BBC iPlayerand Vudu etc. If you are looking for more channels for online streaming, just type the channel in the search box and get easy tips to access it.

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Apple MacBook Air Core 2 Duo 1.6 11 (Late ’10) Specs

The Apple MacBook Air “Core 2 Duo” 1.6 11″ (Late 2010) originally was offered as a “configure-to-order” option for the MacBook Air “Core 2 Duo” 1.4 11″ (Late 2010). but it later was sold as a standard configuration, too. Other than processor, this model is identical to the MC506LL/A configuration of the MacBook Air “Core 2 Duo” 1.4 11″ (Late 2010) and both were offered with 128 GB of flash storage as shipped.

The Apple MacBook Air “Core 2 Duo” 1.6 11″ (Late 2010) is powered by a 1.6 GHz Intel “Core 2 Duo” processor (SU9600) with two independent processor “cores” on a single chip with a 3 MB on-chip shared level 2 cache running on a 800 MHz frontside bus.

It features 2 GB of onboard 1066 MHz DDR3 SDRAM (which could be upgraded to 4 GB only at the time of purchase, although 4 GB was standard for the MC906LL/A configuration), 128 GB of flash storage, a NVIDIA GeForce 320M “graphics processor with 256 MB of DDR3 SDRAM shared with main memory”, an integrated “FaceTime” video camera, a non-backlit full-size keyboard (the function keys are smaller, however) and an 11.6″ widescreen TFT LED backlit active-matrix “glossy” display (1366×768 native resolution) in a razor thin (0.11-0.68 inch), 2.3 pound, aluminum case.

Connectivity includes AirPort Extreme (802.11a/b/g/n), Bluetooth 2.1+EDR, dual USB 2.0 ports, analog audio out, and video out capabilities (Mini DisplayPort) that support an external 30″ display. It lacks internal Ethernet (an external adapter was available as a US$29 upgrade) and lacks Firewire and optical audio in/out as well.

The MacBook Air “Core 2 Duo” 1.6 11″ (Late 2010) uses a completely new housing compared to earlier MacBook Air models — with an 11.6″ display and an “inertial” multitouch trackpad — but also is notable for internal differences as well. Internally, it has onboard RAM and lacks an optical drive, just like its predecessors, but also has flash storage that is not intended to be upgraded after purchase and multiple internal battery cells that likewise are not designed to be replaced. Apple touts that the flash storage makes it possible for this MacBook Air model to offer “instant on” responsiveness and up to 30 days of standby time as well as a thinner housing and improved battery life.

Also see:

  • What are the differences between the “Late 2010” MacBook Air models? Which is the best choice for my needs?
  • What are the differences between the “Late 2010” MacBook Air models and the “Mid-2009” MacBook Air that they replaced?

Windows 10 how to: Managing wireless network connections #wifi #sense,windows #10,wireless #networks


Windows 10 how to: Managing wireless network connections

Windows 10 means new settings and options to learn and get used to. One of those is managing wireless network connections. In Windows 10 you can easily manage your network connections and can share those connections with your contacts using Wi-Fi Sense.

To manage wireless settings, go into the Windows 10 settings menu and select Network and Internet. You can also right click the wireless icon in the action center or type Wi-Fi into Cortana. Once there you can turn Wi-Fi on or off and connect to local networks by clicking them and selecting Connect.

In Advanced Options you can set your device to be discoverable or hidden from other PCs on the same network. You can also turn on and off a metered connection, this is important if you have limited data, for example if you re using the new Surface 3 with LTE .

There’s also a feature in Windows 10 called Wi-Fi Sense. This allows you to store your passwords on various networks across your devices. It also lets you share your Wi-Fi connection with your Outlook, Skype, and Facebook connections without giving them your network password. If you prefer to not share your connection with your contacts you can easily uncheck the boxes in the Wi-Fi Sense menu. At the moment you cannot select specific individuals to share your network connections with over Wi-Fi Sense. Hopefully that feature is available in the future.

Managing wireless networks is pretty easy in Windows 10 and all of the settings are easy to find and are clearly labeled. Jumping between networks with Wi-Fi Sense is easy and most of the settings are easy to personalize, though there are a few customizations not yet available.

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Top 10 Best Online Forensic Psychology Degree Programs 2017 #criminal #psychology #masters #programs, #top #10 #online #forensic #psychology #degree #programs #2017


Top 10 Online Forensic Psychology Degree Programs 2017

If you want to work in a field where psychology is applied to criminal investigations and legal procedures, then pursuing an online degree in forensic psychology may be the right choice for you. This field includes, but is not limited to, criminal profilers. Degreed forensic psychologists also work with offenders and victims of crime, witnesses, conduct child custody evaluations and may act as expert witnesses. The first step to a great job in this exciting area is the right education, and these schools allow you to study from anywhere, on your own schedule.

Kaplan University offers a BSCJ Forensic Psychology. Click here to contact Kaplan University and request information about their programs.

For this list, we selected the deepest and most academically diverse accredited online programs we could find. This is just one of the many psychology degrees to consider if you re interested in this field of study.

Online Forensic Psychology Degree Rankings 2017

#1 Walden University Online Master of Science in Forensic Psychology

Walden University was founded in 1970 by two educators and conferred its first degrees two years later. The University is accredited by the North Central Association of Colleges and Schools.

At only $290.00 per credit hour, this is among the cheapest online master s degrees in forensic psychology.

Forensics and the Law
Leadership and Management
Victims and Justice

#2 Chicago School of Professional Psychology Online Master of Arts in Forensic Psychology

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The Chicago School of Professional Psychology has been offering graduate-level programs since 1979. It is accredited by The Higher Learning Commission.

Tuition is $982.00 per credit hour.

The online MA in forensic psychology degree program includes courses in ethics and professional issues, psychopathology, mental health law, diversity in forensic psychology and substance abuse evaluation and treatment. The program can be completed in as little as 20 months.

#3 Saint Leo University Online Master of Science in Criminal Justice Forensic Psychology

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The program, offered through the School of Education Social Services, is run by Dr. Robert J. Diemer, who has close to 30 years of investigative experience.

$422 per credit hour.

The curriculum is designed for first responders, government officials, and more. Courses include ethical issues in criminal justice administration, introduction to forensic psychology, forensic interviews and interrogations, psychopathology of criminal behavior, courtroom psychology, preventing terrorist attacks, forensic and medico legal death investigation, among others.

#4 Southern New Hampshire University Online Bachelor of Arts in Forensic Psychology

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Southern New Hampshire University is a private, non-profit school. It is accredited by the New England Association of Schools and Colleges.

Tuition is $320.00 per credit hour.

Students enrolled in this program will study criminal profiling, patterns of criminal behavior, eyewitness memory, and definitions for insanity, and more.

#5 University of North Dakota Online Master of Arts in Forensic Psychology

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The University of North Dakota is regionally accredited by The Higher Learning Commission.

In-state and out-of state learners pay the same low rate of $266.16 per credit hour. This is one of the most affordable rates for online MA in psychology degree programs available today.

Classes start in the fall (August) and spring (January) and the master s in forensic psychology online program can be completed in approximately two years of study. Students are required to attend one, two-week capstone session during the last semester of their program.

#6 University of the Southwest Online Bachelor of Forensic Psychology

The University of the Southwest is a private, not-for-profit school. Originally called Hobbs Baptist College, it was renamed in 2008. The University is accredited by The Higher Learning Commission.

Online students pay $395.00 per credit hour.

There is no on-campus requirement. Students enrolled in this program take courses in criminology, verbal psychological tactics, interviewing for investigators, and juvenile justice systems.

#7 Argosy University Online Master of Arts in Forensic Psychology

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Argosy University s online programs follow the same curriculum as the one taught at the school s Phoenix campus. The University is accredited by the Accrediting Commission of the Western Association of Schools and Colleges.

Tuition is $721.00 per credit hour.

The master s degree in forensic psychology can be completed in as little as 21 months. Students are required to write a special topics paper and a comprehensive examination as two requirements for graduation.

#8 Nova Southeastern University Online Master of Science in Forensic Psychology

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Nova Southeastern University

Argosy University is a private, not-for-profit institution. It is accredited by the Southern Association of Colleges and Schools Commission on Colleges.

Students at NSU pay $605.00 per credit hour.

The University uses the Blackboard course management system. Students stay in touch with their instructors and each other through e-mail, chat rooms, white boards, discussion boards, and multimedia presentations.

#9 Florida Tech University Online Bachelor of Arts in Forensic Psychology

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Florida Tech is regionally accredited by the Commission on Colleges of the Southern Association of Colleges and Schools.

Students at Florida Tech pay $495.00 per credit hour.

The bachelor s degree in applied psychology with a concentration in forensic psychology can be completed entirely online. Students can download weekly lectures to their cellphone or MP3 player if they wish.

#10 Palo Alto University Online Bachelor of Arts in Forensic Psychology

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Palo Alto University was founded in 1975 and was originally called the Pacific Graduate School of Psychology. The University is accredited by the Western Association of Schools and Colleges.

Students pay $410.00 per credit hour.

The MA in counseling forensic and correctional online degree program is clinically based and includes hands-on experience through a practicum and an internship, as well as coursework. Students are required to attend the University campus for one week of study and one week of a clinical residency competency examination to graduate.

Bonus Program

Prairie View A M University

Prairie View A M was founded in 1876 and is the second-oldest public university in Texas. The school is accredited by the Commission on Colleges of the Southern Association of Colleges and Schools, Inc.

Texas residents pay $296.33 per credit hour, and out-of state students pay $611.33 per credit hour.

The MS in juvenile forensic psychology program can be completed in two years of full-time study. Two tracks are available: a thesis and an externship. The thesis option is for students who plan to conduct research and pursue a Ph.D. The externship option is for learners who wish to work in the field of forensic psychology. An online forensic psychology degree can be a very beneficial degree choice.

Additional Online Psychology Degree Rankings

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Policy Forms Used by the 10 Largest Auto Insurance Groups in Oklahoma

As an informational resource for consumers, the Oklahoma Insurance Department offers on this Web page, downloadable copies of private passenger automobile insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing private passenger automobile insurance in Oklahoma. The 10 groups were identified on the basis of market share by direct written premium, taken from OID s 2012 Annual Report. Consumers may use this information as a starting point in their comparison-shopping for insurance products.

Auto Insurance Rate Comparisons

  1. The policy documents on this page are presented for informational purposes only and are not intended to endorse, recommend, advertise, or comment on the quality of any particular insurer s product in any manner, or to imply that the insurance products identified on this page are the only products available to consumers for this line of business. Consumers are encouraged to shop around to find companies and coverages that best suit their insurance needs.
  • Only the policy forms and amendatory endorsements that an insurance company requires its policyholders to have are available on this page. Insurance companies may also have optional amendatory endorsements which the policyholder may select to broaden, narrow, or otherwise alter the coverage provided. These optional features are not listed here.
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  • AA01OK: Oklahoma Personal Automobile Policy

    Allstate Fire Casualty Insurance Company

    AFA16: Auto Policy
    PDU41: Auto Insurance Policy

    Farmers Insurance Company Inc.

    56-5062: Automobile Policy Provisions

    Oklahoma Farm Bureau Mutual Insurance Company

    PPA-Bk01: Automobile Policy

    Progressive Direct Insurance Company

    Form 9610D OK: Oklahoma Auto Policy

    Progressive Northern Insurance Company

    Form 9610A OK: Oklahoma Auto Policy

    Safeco Insurance Company of America

    SA-1852/OKEP: Oklahoma Personal Auto Policy

    Shelter Mutual Insurance Company

    A-35-A: Automobile Insurance Policy

    State Farm Mutual Auto Insurance Company

    United Services Automobile Association

    5100OK(01): Oklahoma Auto Policy

    10 Tips for Buying a Diamond Online #internet #retailer

    #diamond retailers


    10 Tips for Buying a Diamond Online

    Engagement rings are one of the most popular choices to showcase a diamond, but regardless of the setting, you can shop with confidence online by following our tips. Courtesy of John O’Hara.

    Consumers have more options than ever when it comes to buying diamonds. In addition to jewelry retailers, you can shop from your computer, tablet or smartphone. Many of the same considerations apply whether you re buying a diamond in person or online, but GIA has a few additional tips for shopping online that will help you click the Buy Now button with confidence.

    1. Research and learn

    As with any significant purchase, start by researching your options. Educate yourself about the 4Cs and determine which diamond qualities are most important to you. This decision, along with your budget, will help guide your diamond purchase.

    2. Look for specifics

    When shopping online, make sure you know exactly what you are buying. Some sites show diamonds with a range in carat weight, color or clarity. To ensure you know the value of the stone you re purchasing, look for specifics on its 4Cs, not a range.

    Diamond Buying Guide Infographic


    3. Look for a grading report

    Make sure the diamond comes with an independent grading report. like those provided by GIA, which provides an unbiased analysis of the diamond s 4Cs. A diamond s value is largely determined by quality, so an objective, third-party assessment of the 4Cs is critical.

    4. Verify the GIA report with Report Check

    If the diamond comes with a GIA report, you can verify the report details on Report Check. GIA s secure, online database and even print out a facsimile of the report, when available. It s a convenient way to make sure that the online product description matches the grading results.

    The GIA Diamond Grading Report provides a full assessment of a diamond s quality using the 4Cs. View a sample report.

    5. Look for a laser inscription

    For added security, find out if the diamond s grading report number is laser-inscribed on its girdle. In some cases the diamond will be inscribed before it is offered for sale, or it can be requested at the time of purchase. In addition to the diamond s unique GIA report number, the inscription can be a personal message or symbol for identification. The microscopic inscription is viewable under 10X magnification, using a jeweler s loupe, and because it s noted on the diamond s GIA report, it will help ensure that the diamond you receive matches the report issued for it.

    Microscopically inscribing the report number on the diamond’s girdle makes it possible for you to easily identify your diamond in case it is ever lost or stolen.

    6. Know the seller

    Once you ve decided on the diamond that s right for you, there are a few quick checks to do on the company you re considering buying from. You ll want to know:

    • How long has the company been in business?
    • What kind of reviews has the company received?
    • Does it belong to any jewelry trade associations? (Associations often have ethical guidelines members have to meet.)
    • Do they offer secure transactions?
    • Are the online representatives helpful?
    • What is the return policy?
    • Where is the seller located?
    • How will the diamond be shipped? Is the shipment insured? Is signature required for delivery?
    • In addition to the above, if you re buying from online auction sites, you ll also want to look into buyer feedback and ratings and determine if the seller is providing sufficient evidence of the quality of the diamond offered for sale, such as photographs, a grading report, or report number that can be verified

    7. Consider the payment method

    Each online retailer or auction site will specify how it will accept payment. If you paid with a credit card and if there is a problem with the purchase, most credit card companies provide recourse. Using a check or a money order for your purchase can reduce your options.

    8. Proceed cautiously with out-of-country online sites

    For example, U.S.-based consumers have options for recourse when buying from a U.S. based company, such as filing complaints with the Federal Trade Commission (FTC), Jewelers Vigilance Committee (JVC), Better Business Bureau (BBB), etc. or pursuing a legal case in civil court. Websites that do not have a physical presence in your home country may be insulated from recourse and attempts to recover funds can be frustrating.

    9. Get the diamond appraised

    Once your beautiful diamond is in-hand, have an independent appraiser confirm that it matches the seller s description and accompanying paperwork. The appraiser will also provide you with the value of the diamond for insurance purposes.

    10. View the diamond in person

    The convenience of online shopping can t be beat if you re researching your options and trying to narrow your choices. Be aware that diamonds that appear to be almost identical on a grading report same color, clarity or cut grades may look different from each other when viewed in person. Ultimately, your decision is a personal one, so seeing the diamond with your own eyes is the best way to determine if it s right for you. So look for online sellers with retail stores and/or easy and flexible return policies.

    The vast majority of online diamond purchases go smoothly. Follow the recommendations above to greatly increase your chances for a stress-free and secure online diamond purchase.

    For more diamond buying tips, visit the GIA 4Cs Blog.

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    The Top 10 Grocery Coupon Websites for Cheapskates #retail #management #system

    #coupon websites


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    Top Deals

    The first step in the process of saving a fortune on your grocery bill is simply accepting the fact that you’re a cheapskate. It’s nothing to be embarrassed about and it’s certainly nothing to hide. Back in my University days I would surf the Internet (which was very young at the time) for whatever grocery coupon websites I could find, in addition to scrounging through the Sunday newspaper for a very limited collection of grocery coupons. The problem back then was that any grocery coupon websites you could find had probably less than a dozen offers, and most of the websites amounted to nothing more than email collection buckets so that they could turn around and resell your email address to spammers.

    Fortunately, the Internet has evolved since then. Today, not only do you not have to put scissors to newspaper anymore, but most of these online grocery coupon sites accumulate manufacturer offers from everywhere and provide them to you in a convenient list that you just select and print in minutes.

    Selecting the Best Grocery Coupon Websites

    Considering the volume of websites out there that tout themselves as the best money-saving website for groceries, I’ve decided to put together a simple list of sites that are truly the tried-and-true spots that you should check every week to save a fortune on your grocery bill. For starters, MakeUseOf has already covered a number of top coupon websites including:

    • GroceryGuide. which lets you find the best grocery deals from stores and malls in your local area
    • ShortCuts from AOL, with the convenience of electronically loading all coupons directly to your grocery store loyalty card (no need to carry coupons around!)
    • CouponChief. with thousands of retail store coupons. Why buy baby products from a grocery store when you can save $5 off diapers or formula at

    Check out all of MakeUseOf’s grocery resources for other offers and tools for saving money on groceries.

    While those resources are excellent, I wanted to put together a definitive guide of grocery coupon websites for other cheapskates out there like me. I no longer bother with using scissors on the Sunday paper – there are much better money-saving resources on line, and they take far less time.

    The Big Three

    Every grocery coupon hound should know that currently there are three major resources for most of the coupon deals on the Internet. These are three of the earliest websites that started the online coupon craze, and they are now the three that “feed” most of the offers for other, smaller offshoot websites. If you want the access to all of the deals, it’s best to just go straight to the source. is the first major site you should always check for the best manufacturer coupons. These are mostly non-location specific, meaning they’re available nationally (U.S. only). is the place anyone should begin their quest, since this is the site that feeds most others. One brief search just now turned up 112 offers to sort through and print.

    The next major grocery coupon site that feeds data to other sites is The cool thing about SmartSource is that you can type in your zip code and get offers from the local “circulars” that are normally sent inside local newspapers.

    It just doesn’t get much more convenient than that. If you click on the “Coupons” tab at the top, you can review nationally offered coupons as well, but the thing that really sets SmartSource apart from the other “big three” is the fact that you can get these offers from local circulars.

    The final major coupon site that’s been around for quite a while is ValPak. ValPak, like the other two, offers its own list of national manufacturer coupons customized by zip code.

    Letting Others Do Your Research

    So why don’t people just visit the big three coupon sites and call it good? Because the Internet is so filled with information now, no single website holds all of the best deals. To save the most on your groceries, you’d need to hunt through all three “source” coupon sites, as well as hunt the web for exclusive coupons and offers that are only offered at manufacturer websites and nowhere else. That can take a lot of time and effort. Luckily, there are people out there who love doing this kind of research so much, that they’re willing to do it for you and offer you the fruits of their research.

    The Penny-Pincher Gazette is one of those resources. All data at the PPGazette are collected from the three major sites listed above. Membership is free, and every week you can quickly review the best deals (including from local circulars) without having to visit multiple websites to find them.

    Another very popular website that I am not ashamed to admit that I visit very often is CouponMom is run by Stephanie Nelson who was featured on Oprah, The Today Show and other talk shows, because she offers the service for free as an effort to help stamp out world hunger. By helping people save money on groceries, she’s hoping to encourage people to donate to hunger organizations through her “Cut Out Hunger” initiative.

    Her website is easily one of the most comprehensive collections of deals from not only “the big three,” but also many hard-to-find offers from all throughout the Internet. If you choose only one website to visit before you do your grocery shopping, this one should be it.

    Unique Grocery Coupon Websites

    Sometimes, the standard coupon sites don’t really offer what you’re looking for. Maybe you have different tastes than most people, or you’re more interested in natural products. There are specialized sites that offer coupons for you too, if you know where to look.

    One of those is Mambo Sprouts. a website dedicated to offering you coupons on organic foods.

    At last glance, Mambo Sprouts offered two pages of coupons, as well as some cool articles and an entire community section where you can hook up with other folks who are into natural and organic living.

    A last site that deserves mention, simply because it’s giving “the big three” a run for their money, is RedPlum offers visitors with free exclusive offers based on your zip code.

    In other words, if you can’t find it elsewhere, you might find it at RedPlum. As you can see, the Internet now offers an abundance of opportunities to shave hundreds off of your grocery bill every month. It seems inconceivable that anyone would go grocery shopping without coupons when there are so many free offers out there (free money, basically) available for the taking.

    If you shop with coupons, do you know of any other great free grocery coupon websites? Share them in the comments section below.

    39 comments Write a Comment

    Unfortunately, my local grocery store has a no-internet printed coupons policy. They flat refuse anything that even looks like it was printed at home. So, none of these sites do any good for people around here.

    But, they do have some great coupons, if you can use them!

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    Top 10 Websites for Cheap Online Shopping #shoe #retailers #online

    #discount shopping websites


    Top 10 Websites for Shopping on the Cheap

    Tell me if this sounds familiar: you’re relaxing in bed on a Sunday with a cup of coffee, coaxing the knot out of your brain left after five margaritas at Cabo Cantina, and flipping through the latest issue of Vogue. Bazaar. or Elle. After two hundred pages of Zac Posen dresses, Louboutin heels, Marc Jacobs bags, and “Smart Splurges Under $500,” you begin to cry.

    Even if you traded in that hard-earned internship for a paid job delivering pizzas; even if you dropped out of school and stopped paying tuition; even if you sold a kidney, maybe two, on the black market in Thailand you still wouldn’t be able to afford a pair of $14,000 knee high alligator boots from Manolo Blahnik, or a $20,000 Hermes “Birkin” bag.

    If you’re a dedicated follower of fashion like me, but poor as hell (like me), you need to know about these cheap online shopping websites: (In alphabetical order.) This site isn’t just for discounted books anymore. Amazon’s apparel and accessories department offers equally amazing deals on clothing, bags, and shoes from all the top labels. There are deals for every price range from over-the-knee patent boots from Jimmy Choo for $379 ($620 off the original price) to Seven7 skinny jeans for $18, a 70% mark down. As Seen on Screen is a British company that specializes in trendy fashion items that are based on (or the same as) items worn by your favorite celebrities. They’ve got ASOS brand leather knee-high gladiators in the style of Ashley Olsen for £55 (about $102), a studded belt identical to the one Carrie wore in the “Sex and the City” movie for £15 (about $28), and an amazing selection of items from independent designers like a sheer chiffon floral top by To Love Kuvaa for £30 (about $56). This is by far the best place to find imitation designer purses. If you’re thousands of miles from Canal Street (or if the idea of Canal Street makes you retch), you’ll love Fashion Junkee. Their “Inspired by Marc Jacobs” Stam bag is a ridiculously low $46, and their “Inspired by Balenciaga” motorcycle bag is only $58 and comes in twenty different colors. This is the store that definitely sucks away the biggest portion of my paycheck. See a plaid Dolce Gabbana skirt on the fall runway you’re dying to have? Chances are they’ve got a similar item in their store for about a thousand dollars less. But the store can get crowded, and the music they play is annoying, so shopping online is a godsend. They add new merchandise everyday so visit often. Also, be sure to check out their higher end (as in, a few extra Hamiltons) label Twelve by Twelve and their accessories line For Love 21 . This isn’t a designer label (Know Label, get it?), but if you don’t care what the tag says then this is an amazing website to find high quality clothing at low prices. My favorite items include a little black party dress with rosettes in the style of Philip Lim for $48, and a white silk pleated babydoll top with black ribbon trim that looks like it was taken off the back of Chloe Sevigny, also only $48. This site is really all about the shoes. They’ve got dresses, bikinis, and lingerie, but these items tend to be for older women, mostly in their 30s. Skip over that stuff and go right to the footwear. They’ve got a pair of studded platform oxford booties currently on sale for $39 (was $49) that I’ve been dying to buy and classic t-strap pumps in a range of colors for only $29. This is like a flea market you don’t have to wake up at 6 AM and drive to. They’ve got hundreds of vintage items for men and women all for around $30. Shoes, pants, dresses, all categorized by style (“Disco,” “Hippie,” etc.) and era (from the 1940s to today). I try to stay away from actual Target stores because I find that I walk in just trying to buy paper towels and come home with two bras, a pair of jeans, and a George Foreman Grill. I stick to to keep myself from over-shopping and to make sure that what I walk in for is what I walk away with. In recent years they’ve also earned major style points with their Go International designer labels. Currently it’s Richard Chai ’s turn, but my favorite was definitely Proenza Schouler’s line. I wear their bustier top all the time! Supposedly the British high street chain Topshop is coming to America, but until it makes it to your city, you’ll have to settle for browsing the runway worthy duds and Kate Moss designed separates online.

    Has anyone got a favorite discount shopping site they d like to add to this list? I m always looking for new places to burn through my savings.