Techron Advantage Card Activation Tips

Whether you have applied for a Techron Advantage credit card or a Techron Advantage VISA credit card, the steps to activate them remain the same. You will have to access the authorized page to activate the same. The official page that you should access is techronadvantagecard.com/activate.

Your Techron Advantage Card has arrived. All you need to do is to activate your card before using it at the petrol pump to start earning fuel credits. As you gear up to visit techronadvantagecard.com/activate, make sure you have got these details ready –

Techron Advantage Account Number
Security Code (3 digits)
Last 4 digits of SSN (Social Security Number)
Date of Birth (MM/ DD/ YYYY)
How to Activate Your Techron Advantage Card Online at techronadvantagecard.com/activate?
Let’s get started with the activation process and start using the card at your favorite place.

Turn on your data on your smartphone or computer and navigate to com/activate using your favorite web browser.
Enter your Account Number and move to the next field.
Here, enter the “Three Digit Security Code”.
You will next be prompted to enter the “Last Four Digits of SSN”.
Provide your Date of Birth (MM/ DD/ YYYY).
Now, click on the “Activate” button.
Your card will be activated and ready for use.

Activate Techron Advantage Card by Phone
Can’t access the authorized page (techronadvantagecard.com/activate) to activate your Techron Advantage credit card? No problem! This wouldn’t stop you from making the most out of your credit card. Techron Advantage cards can also be activated by phone. The officials can assist you when you call them at the following numbers –

Dial 1-866-448-5702 to activate your Techron Advantage VISA credit card.
Techron Advantage Credit Cardholders can dial 1-866-913-8492 to speak to a customer care executive who can assist you to activate the card.
How to Contact Techron Advantage Customer Support?
Phone Support
Did you run into some kind of problem while trying to activate your Techron Advantage credit card? No worries! The tech support team at Techron Advantage is available at your disposal. The support team is comprised of knowledgeable professionals with years of experience. Call the officials during working hours.

Monday – Friday between 8 am and 12 am ET.
Chat Support
The chat support is active during working hours. Here’s how you can chat with a certified agent.

Go to the authorized page to select the account type from “Credit Card Partners”.
You will select “Account Access”.
On the Credit Card Partners webpage, you need to select the “Chat” option.
You can log in to your account and start chatting by clicking on “Chat Now”.
Email Support
To send a secure email, you need to –

Access the authorized page and select the account type from “Credit Card Partners”.
Click on the option that says “Account Access”.
You can log in to your account and select “Messages”.
Send your message across and expect a quick response

Learn How to Choose the Best Mining Pool

Crypto mining is considered a more lucrative way of owning cryptocurrencies than purchasing them because of its several advantages. These advantages include adaptability to fluctuations in the market, diversity in mining, lower transaction fees, etc.

Due to these reasons, the popularity of cryptocurrency mining has grown considerably over the years. More and more people are investing in mining machines, softwares, and data centers to start their journey. Also, several blockchain platforms are offering crypto mining services to miners. However, amidst all this hustle, people tend to forget about the importance of a mining pool.

As crypto-mining involves solving complex computations found in a mining pool to mine cryptocurrencies, it is safe to say mining pools are essential. However, different mining pools might use different protocols that directly affect mining efficiency. So it is vital to choose the right mining pool to maximize your output and minimize your costs. Here are few things to consider when choosing a mining pool:

Infrastructure Compatibility
There are many mining machines available in the market, but not all are compatible with the mining pools. Similarly, some mining softwares will work better on certain mining pools than others. Also, some mining pools have criteria to allow mining on them, such as specific high-end mining machines, minimum internet bandwidth, verification processes, etc.

So it is essential to understand your and the mining pool’s requirements before joining one.

Transparency
To ensure safety and efficiency, mining pools must be transparent with their protocols. This transparency will help the miners to understand the hash rate, the complexity of the computations, payout procedures, etc., of the mining pool. Some mining pools have a detailed dashboard where miners can see all the transactions happening in the pool.

Payout Threshold and Frequency
Some mining pools have higher payout thresholds and frequency. This means that the users will only receive payouts when they have mined a pre-decided amount of tokens. While higher thresholds might be beneficial for high-end mining machines, low-end hardware will not benefit from it. As they produce lower hash rates, it will take them longer to reach the threshold, which results in late payouts.

Pool Stability
Pool Stability is one of the crucial factors that determine the reliability of the mining pool. The pool must have robust rebasing mechanisms to automatically adjust to the market fluctuations, as otherwise, the miners can suffer huge losses.

Also, these pools should not be vulnerable to DDoS attacks or hacks and must have robust security protocols in place.

Fee Structure
While some mining pools charge a fee for mining, others do not. However, some “free mining pools” might ask for regular donations. It is essential to study the fee structure of the mining pool in detail because it will directly affect your payouts.

Size
While the size of the pool does not directly affect the pool’s efficiency, it affects its reliability. Large pools usually demonstrate the pool’s reliability and trustworthiness. Also, as the larger pools have more computing power, they can find blocks to mine relatively easier than small pools.

However, if most miners choose large pools, it will promote the centralization of the crypto mining industry, which goes against the fundamental principle of the crypto world. Miners should instead select a large group of small pools then a small group of large mining pools to keep the essence of decentralization intact.

The Rise of API in Banking and Finance

The financial service industry always ranks high when it comes to the fastest-growing API categories in the past few years. This isn’t a surprise; digitization, open banking and finance, the rise of digital forms of payment, FinTech evolution, the need for easy and fast funding, the need for real-time financial information, and ever-increasing customer demand for financial services has forced financial institutions to evolve under this most transformative period in the global finance and banking sector.

In the present scenario, APIs are playing an increasing role in banking and finance. As more financial institutions have invested in financial technology during the pandemic, more and more lenders are leveraging APIs to access real-time financial data of their customers to determine creditworthiness, offer customized solutions and make infrared lending decisions.

The Roles of APIs in Finance

An application Programming Interface is an interface or a software intermediary that allows two applications to talk to each other. In other words, it allows different applications to communicate with each other over a computer network. In banking and finance, an API refers to a protocol that makes data and information available to lenders from a third-party company or makes a bank’s service available to other third-party companies.

Today, three main types of APIs are being used by financial institutions are a private, partner, and open APIs. Open APIs are the most famous and play a crucial role in helping lenders translate from traditional banking to open banking. With the help of artificial and machine learning, APIs enable innovation and automation.

APIs are making banks future-ready by meeting the customer expectations, providing easy and fast services, and offering customized financial products and services. Lenders can leverage financial APIs to access the most robust and real-time data of their borrowers, which later helps them to make data-driven and intelligent decisions. The pressure on banks to create and update specialized apps in-house diminish. Using an API, banks can reduce cost, save time and offer different services.

The Growing Use Of APIs in Finance and Banking

The combination of increasing demand and digitization is driving the rapid adoption of APIs in finance and it continues to see big growth. As per a report, an average of more than 600 financial APIs added per year. The number of financial services-related APIs added grew from 3 in 2005 to 646 in 2019. As API usage increases, financial institutions are using it for a variety of purposes. For example, APIs can allow lenders to create advanced financial products and services. APIs can also be used to quickly confirm income and cash flow during the loan approval process.

Meeting Customer Demand And enhancing Overall Customer Engagement

Modern customers are tech-savvy, and this is not only millennials. Hence, with increasing expectations of their online experience, customers seek advanced banking products delivered as swiftly as possible.

Whether it’s transferring money online, applying for a loan, and just exploring the products and services, customers need automatic solutions. APIs help lenders to provide advanced solutions that they can’t do otherwise.

However, if a financial institution develops its own API for every function, or tries to develop every new product and service to meet its customers’ ever-growing demands, it will fall behind in no time. With open APIs, financial institutions can leverage innovative products and functionality through a third party. Lenders can save their time, money, and efforts and focus on thighs that are most important for them.

Besides, APIs also enable financial institutions to better understand their customers’ unique financial needs and meet their expectations. APIs can also work as a distinct way to attract and retain customers, boost their engagement, and address their needs in a future-proof way.

This engagement is important where there is cut-throat competition and new entrants endure to disrupt the financial service industry. Moreover, new devices, technology, and products are emerging in the market, forcing lenders to adopt innovative methods to retain and draw customers.

Conclusion

APIs capabilities to design new innovative products, offer customized lending solutions, access the most real-time data, and make informed lending decisions are transformational. Financial institutions that do not embrace APIs now, will pay high opportunity prices and witness a fall in their competitive value.

The Aesthetic Medicine Patient-Centered Consult

All too often the “bean counters” are telling us how we are falling short. They come up with some scheme to get us to see more patients than we can reasonably see or how to “create” more procedures than are called for. This is bottom-line or practice-centered medicine and in my opinion is unethical and immoral. It is also outside of what we are called to do and is unnecessary and counter to a healthy practice. What I believe builds a healthy practice and is simply at the heart of doing what is right for patients, is the patient-centered consult. This type of consult is designed to get to the root of the patient’s issues and do all one can do to help them achieve their health and aesthetic goals.

In this age of population-based medicine we have all been told to do the minimum, but that doesn’t change the fact that our patients are concerned with optimal health and results. Olympic athletes do not win their contests by training to the minimum nor will our patients be served by providing the minimum. Let’s look at an example of how population-based medicine is creeping into the exam room in a way that is not fully understood by physicians and yet has great impact on the individual (many similar examples can be seen in medicine today):

The drug companies tell us that Plavix is about 30% better than aspirin. What they do not tell us is that it is relatively 30% better. In absolute terms it is about 1% better. What does this mean? Well, in one study on CVA the relative risk reduction was quoted as 25% but the absolute reduction was 0.9 for ASA vs 1.2 for Plavix or about 0.3% (1). Now Plavix costs $5.00 per pill and ASA is about $0.05 so to the individual on a fixed income is the absolute difference of 0.3% worth $4.95 per day? Maybe, maybe not depending on many factors. Certainly it may be worth it to society but society is not paying the bill…the individual on a fixed income is. This is the confusion between population based and individual medicine. Some have even advocated taxing or eliminating Aesthetic procedures to reduce overall health costs in the US. This may help some number followed by economists but is it serving the individual who is interested in a specific goal?

So what is the patient-centered consult? Medicine is complex and in particular, Aesthetic Medicine is complex, yet it has been reduced to sound bites on TV. Commercials ask the question “Is it better than Botox?” or “Is it better than a Medical Peel?” yet they do not give the answer or any real helpful information. Patients have, in general, no realistic idea of what can and cannot be done for them. The patient-centered consult is an educational experience for the patient that helps them understand what is realistic and what is not.

It starts with gaining a detailed understanding of what the patient’s concerns are, not what treatments they are interested in. Most aesthetic patients come in thinking they know what they want. As an example many think they need an upper lid blepharoplasty but what they really need is a brow lift. Other come in asking about fillers but really need Botox or vice versa. The understanding of what they are concerned about is found not by asking what they are interested in but rather, what their concerns are. We start in a conversational manner. Most often a patient will start by saying something like “I think I need Botox right here.” My answer is generally something like, “Well, that is certainly something we can do, but what is it that makes you want Botox?” The next several questions are directed at helping the patient target the real issues behind the concerns such as texture, tone, tightness, wrinkles, poor size, volume etc.

I use a consult tool I call the $10,000 mirror. We have a simple hand mirror that has no magnification on one side and 3 to 5 times magnification on the other. I hand it to the patient with the magnified side facing them. The interesting thing is that most people when given the mirror will start looking very intently at themselves and even start picking and brushing at things on their face. I then have a checklist of items I ask them about. We go through the checklist item by item and discuss its impact on the overall appearance of the face. Once this is completed, I formulate a plan of all that can be done for them, that will include things I can do but also things others may be able to do. As an example, I do not do face lifts, but if the result they are after is best served by a face-lift, I put that on the plan. It is rare that we don’t do most of what they will benefit from.

Remember this is patient-centered not practice-centered. This will also build trust in your patient, as it is proof to them that you have their best interests at heart. Something the bean counters seem to never think about.

Once the plan is composed it will generally be a list of several procedures. I then go through the list, from most comprehensive to least. So it might be a list that includes a referral for a face-lift, a laser peel, a non-ablative laser treatment (also discussed as a part of maintenance), Botox and fillers. The list is prepared so that the patient will go home with it. It is positioned as a “wish list.”

As an example, one of my “I need Botox” patients left with her list. Upon leaving she said “Well I am ruling out a face-lift as that seems like to much, but I am going to do the laser peel along with the Botox and after my tax refund, start the maintenance program you have outlined.” As you know, with the ever-increasing cost of Botox it is essentially a lost leader, and at best, a breakeven event. The easy thing to do would simply have been to give the patient Botox, but with the consult, we went from a lost leader to a multi-thousand-dollar procedure with the probability of many thousands more in future procedures and maintenance programs. This was done in a patient-centered way. The patent chooses the procedures – you do not sell them. This is not an attempt to avoid the discussion about money…in fact money is at the center of these consults. Patients want an honest and upfront discussion of cost and we give it. Remember, without a margin you have no sustainable mission, so do not be afraid to discuss money.

The face consult is just one example – we go through the same checklist with body contouring consults. A patient may come in interested in abdominal liposuction. After they understand how one area of the body is related to the next, they may find that for optimal results what they really need is upper and lower abdomen and flanks for a better definition of the waist and three dimensional profile. But again they are not told that what they want is wrong; rather they are educated about how what they think they want actually fits into a broader plan for optimal results.

Over the years this approach has been responsible for the most of the growth I have seen within aesthetic medicine practices. Not only will it almost always result in bigger or a greater number of procedures, it will also be responsible for many referrals. When you take the time to do a meaningful consult, your patients will tell their friends. We even get referrals from the friends of friends whom we have never met.

1) Steinhubl SR, Berger PB, Mann JT, et al. Early and sustained dual oral antiplatelet therapy following percutaneous coronary intervention: a randomized controlled trial. JAMA 2002; 288: 2411-20

Thomas A. Sult, MD invites you to enrich your life with laser medicine. Tom is Board Certified in Family Medicine. In addition to his medical practice, he is the supervising physician for a medical laser clinic and is the US Medical Director for Fotona Medical Lasers, involved in clinical and applications research and development for Fotona worldwide.

For 43 years, Fotona has offered the highest performance, best made laser systems in the world. Fotona laser systems purvey quality, reliability and durability for excellent medicine and the full spectrum of aesthetic procedures. Along with his business partner, Tom’s mission is to provide laser owners a model for success with advanced aesthetic systems, clinical, business & mktg training & ongoing support, while giving the patient safe, simple, even life-changing solutions.

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