You may have been knocked down with the costs of running the business. Moreover, there is always an uncertainty associated for running any business. You may run short of money to settle your past dues and as result the number of debtors may arise. It is true that business always runs on profits. If you fail to earn sufficient amount, then your survival would be at risk. Self employed loans are the long term loans which would enable you to manage multiple expenses related to your business. You can even expand or renovate your business with the help of these loans. The foundation of your business would become strong.
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Rates or the quotations may vary from lender to lender. To check the terms and conditions or further details, you can look for websites. You may come in trap of hidden costs if you are not little careful. As per your ability, you can sign up for the self employed loans. By risking any of the priced possessions like real estate, car or jewelry, you can sign up for a maximum amount. The maximum amount is 75000. The lowest amount is 5000. Without offering any property, you can qualify for the loan amount going up to 25000. It would depend on your choice, whether; you would really risk any property. Self employed loans would sort out the problems of all the borrowers. The lenders at this loan institute would help you to select the higher amount at lower cost.
Repayment for the secured loans varies from 5 to 25 years. On the other hand, for unsecured loans, you pay back within a period of 1 to 10 years. Your bad credit scores would not be the reason of rejection for loans for self employed. Your credit report may have been damaged because of any of the bad factors. It may be county court judgments, missed payments, foreclosures, bankruptcy, arrears, etc. You would not send any unnecessary documentation. You can easily qualify as the conditions are laid simple. You would not have to pay any processing fee. The loan amount would be deposited in to the bank account within few hours.
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Sayce Amy has completed his masters in trade admin. Writing articles is just a way to extend this to clients and give empowerment through information. He suggests the universal people on the loan connected troubles.
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We all have mobile phones and Energia would like to use the technology available to make your management of your costs easier. So that you can improve the accuracy of your bill, Energia will send you a text message every month to remind you to submit a meter reading.
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When you provide us with a meter reading we use the information to improve the accuracy of your bills. Networks attempt to read your meter around four times a year and if they fail to obtain an actual read your energy bill will be estimated based on your previous usage. As a result your bill may not accurately reflect your actual usage and you could be paying for energy that you are not using – or not paying enough which could lead to a “catch up” bill. We encourage customers to contact us with regular reads to ensure that their estimated bills are as accurate as possible.
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If you have previously supplied us with a mobile phone number this will be added to the list and you will automatically receive text reminders. However, if you have not provided us with your mobile phone number you can sign up online below. This is an online only offer and it is not possible to sign up over the phone. You can unsubscribe from this service at any time for free and full details will be provided on the text message.
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Valeria Maltoni
16 May 2012 | 4:00 am
How do large corporate marketers collect and use data? Are practices in marketing measurement and ROI changing? How about the integration of digital and traditional marketing? Has the excitement around big data brought about a shift in how marketers conduct their business? These are some of the topics for investigation in a recent study conducted by Columbia Business School”s Center on Global Brand Leadership and the New York American Marketing Association (NYAMA). The short answer: there is still a big gap between where organizations would like to be and where they actually are in&
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Valeria Maltoni
15 May 2012 | 4:00 am
Three kinds of inquiries I receive regularly: write about us give us your content allow us to post Many of you find the contact form for consulting work. In that case, I’m happy to provide a quote and scope of work. If that’s not what you’re after, the quickest way to find out what is accepted for review and publication is by following the link to — submit your question on the top menu. In all cases, the best outcomes come when the ask is appropriate. Note the term “pro” is part of the word. Making the ask Don’t know how to ask? Here’s how to write an email that stands out for your review.
Valeria Maltoni
14 May 2012 | 4:00 am
Whenever I travel, I’m reminded of the many amazing opportunities that come from being able to reach many parts of the world relatively easily. Let’s face it, things can go wrong with the weather and with technology. It is how an airline — or any company, for that matter — handles customer fairness that will make a big difference to its bottom line. Will they have to discount fares more deeply so people will do business with them again next time? There is plenty of room left for improving customer experience in the travel industry — airlines, hotels, car services, even airports, with a few&
Valeria Maltoni
13 May 2012 | 5:00 am
My mother was Miss Romagna. Her name is Anna Laura. I wanted to have her purple blue eyes and ready smile. She has the welcoming spirit of a woman always ahead of the times and comfortable in her own skin. In addition to being a mother of three (all girls), she has had multiple careers — accounting, sales, public office, geriatric care, and beautician; some overlapping for years. Mother really gets communications — the listening part especially — the organization of work, along with the care of the individual. Whether she negotiated credit rates or the recovery of the elderly, she made&
Valeria Maltoni
12 May 2012 | 5:00 am
Do you know the pay scale for your industry? I’m not talking about the job wanted ads — those may mislead you and take you down the generic path. You’re not generic, you have specific skills, and you should be able to calculate market value. Just like with salary, where you don’t have a cut and dry answer, interaction and involvement are not exactly the same thing. Community participation has highs and lows, and they may not follow the touted 1% route. How active are people online? Has it changed in the last couple of years? Marketers can optimize campaigns and programs only so far. Without&
Wireless Customer Satisfaction Evens Out
16 May 2012 | 10:27 am
Improvements in customer satisfaction at Sprint Nextel Corp. and AT&T Inc. have narrowed differences among the Big 4 wireless carriers to the point that they’re basically even in terms of pleasing their subscribers, according to a study released Tuesday. The American Customer Satisfaction Index puts Sprint, AT&T, T-Mobile USA and Verizon Wireless within two points of each other on a 100-point scale of customer satisfaction. That’s the smallest spread since the survey started looking at all four companies in 2005. It’s also within the margin of error at plus or minus three points. Last year,&
Facebook Updates Data Use Policy To Give More Info
15 May 2012 | 9:40 am
Facebook is updating its data use policy in an attempt to give people more clarity on how the company uses information they share. As part of the changes, Facebook is also signaling that it may start showing people ads on sites other than Facebook, targeting the pitches to interests and hobbies that users express on Facebook. The move comes a week before Facebook Inc.’s expected initial public offering of stock. Facebook held events with potential investors this week, including one in Silicon Valley on Friday, and it has posted a version of its road show online. The offering could value&
LiveTime Reduces Government IT Resource Costs
15 May 2012 | 9:24 am
Newport Beach, CA, May 15, 2012 — The U.S. Department of Commerce (DoC), and the Department of Defense (DoD) have successfully deployed LiveTime’s Service Manager to provide streamlined ITSM services that save time, and reduce costs of Government IT resources. With a $14B budget and 142,000 employees, the DoC used disparate IT systems to manage all of its business processes, from Request Fulfillment through to Problem, Change and Release Management. The DoC wanted to standardize on a single centralized service management product and identified the need for a scalable cloud-based solution&
Digital Wallets Take Center Stage at Cell Phone Show
14 May 2012 | 9:38 am
Cash, coins and credit cards are so Twentieth Century. At least, that’s the opinion of the electronics manufacturers, phone companies, banks and credit card issuers that expect cellphones to be the main way consumers pay for purchases in the not-so-distant future. The trouble is, that vision-of-tomorrow is somewhat blurry, as evidenced at the U.S. cellphone industry trade show held this week in New Orleans. There are a lot of ideas, but little agreement. The stakes, however, are high. “Eighty-five percent of the world’s transactions are still made with cash and checks. We have a wonderful&
Facebook Spawns New Ecosystem of Startups
14 May 2012 | 9:36 am
To get the true measure of what’s often called “The Facebook Effect,” look beyond the company. Generally ignored in the klieg lights focused on Facebook’s IPO is a growing ecosystem of other startups that are using the social network’s 900 million users to launch their own businesses. The startups already have a much bigger collective economic footprint than Facebook itself. And one sure bet is that an IPO is in the future for many of those still-young companies. Consider Wildfire Interactive, a 3-year-old Redwood City, Calif., startup that helps the likes of Sony, Virgin Atlantic Airways and&
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> Business Debt > Credit Control and Debt Collection Tips >
Credit Control and Debt Collection Tips
Avoiding late payment of invoices to improve cash flow can be achieved by implementing effective debt collection and credit control processes. If a business cannot pay out its staff, suppliers, the taxman it risks insolvency and liquidation. Yet, many enterprise do not have a credit control and debt collection skills, processes or systems to avoid late payments and bad debtors…
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Effective credit control is increasingly becoming a priority for small businesses. Some larger business companies are choosing to extend the time they take to resolve outstanding invoices in contraction to an agreed timeframe. This is having a serious impact on SME’s. Business owners are sometime reticent to pursue larger customers for late payments for fear of losing their business relationship.
Credit Check Your Customers
There are many credit checking services available to ensure that any potential customer is creditworthy. These low-cost services could potentially save thousands of pounds of future bad debtor payments. They give a score based on access to a credit history report , company accounts, land registrations, county court judgements, etc. Consider asking written permission from the prospective customer for a bank ‘status enquiry’ reference from customers seeking trade credit. This should be as specific as possible (limited to material facts only), as banks are naturally cagey about giving out information – their primary duty is to protect the security and privacy of their paying customers. Although a credit check does not guarantee payment, it minimises the risks of serial bad debtors and provides interesting information regarding your customers’ financial situation. Bear in mind that even customers with a strong track record may run into financial difficulties in the future.
Do not be afraid to ask potential suppliers for trade references. When dealing with an unknown prospective customer seeking trade credit, a commonplace action to ask for the names and telephone numbers of some of their other existing suppliers. If offering credit terms this process, asking real people about them is an ideal supplement to the sterile and administrative credit checking process. Referees have already dealt with your perspective customer and hence will be up to provide a first-hand explanation of how they do business, how quickly they pay their outstanding debts and whether they are to be relied upon. Ask questions like how long have they known them, what sales per month and do they keep their promises.
Provide Discounts for Early Payment
To avoid cashflow problems, it is common to offer a discount for early payment of an invoice. Discounts can be absorbed into the pricing structure of most enterprises. Simply put, margin is sacrificed to improve cash flow management . In addition, you could limit the amount of available trade credit for each significant customer or groups of customers. The credit offered is usually calculated according to a standard credit agency rating, or a credit insurer, or a % of current working capital.
Provide Multiple Ways to be Paid
By providing different ways for customers to pay an invoice, it makes life easier. The hassle of writing and posting a cheque can be removed by electronic means. Payment by BACS provides instant cash, so it is necessary to add your bank account details sorting code and bank account number on every invoice. Other credit card bureau services (such as PayPal or Google CheckOut) provide a low-cost way to help business customers pay you. When dealing with a new prospect, set up a direct debit or standing order to relieve administrative hassle and improve cashflow. Although there is banking charge associated with using direct debits and standing orders, the upside may outweigh an overdue debt or bad debt.
Clearly Communicate Your Terms of Business
When ever you deal with new prospects or existing clients, it is essential that your terms of business are highlighted. These include adding your payment terms to your standard terms and conditions of trade, application forms, and order notes, statements of account, order acknowledgements, dispatch notes, contractual documents, invoices and e-mails. By stating your Terms of Business, customers won’t be surprised when they receive your invoice with a payment deadline. By providing your contractual terms, your liabilities are protected in case of any potential legal argument. If you provide materials or goods to a customer and they consequently go into receivership before they settle your bill, you may have some recourse if you had effectively sold those goods on the appropriate legal basis in the first place.
Send Comprehensive Invoices Out on Time
Failing to send out invoices on time represents credit control heresy. Posting or emailing an invoice is entirely under the control of the business owner. To any delaying tactics or make sure your invoices the details:-
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Good customer service is essential to any business. Although new customers are important, good customer service will help ensure customer loyalty and repeat business. With each satisfied customer your business is likely to win more customers through word-of-mouth. If you aren’t taking care of your customers, your competition will. A survey will help you not only identify problem areas but will also demonstrate to your customers that you care about them and are looking for ways to improve your service.
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Before you start compiling your survey you should first consider what the objectives of the survey are, in that way you will remain focused and find it easier to decide what questions to ask. In addition to this objective, consider also how you will analyze the answers having completed the survey. Keep in mind that questions where the customer is asked to choose from a limited number of responses are easier to analyze than those where the customer can reply any way they want. Much will depend on the volume of customers; the higher the volume, the more important it is to have an easy method of analyzing the results.
As well as obtaining valuable market research, surveys are also a good way to publicize aspects of your service that your customers may not be aware of. After you have drafted your survey, read through the survey from a market research view point and check that you are asking the right questions in the right way. Then, read through the survey from a marketing view point, check that you have phrased each question so that every opportunity has been taken to promote your business. The ideal question will: provide valuable feedback to help you improve your customer satisfaction levels (and your business); promote certain aspects of your business; and advertise a service that you provide that your customers may not have been unaware of. Remember, to benefit most from a customer survey you need to be prepared to dig deep and accept the worst. A satisfaction survey should be designed to highlight problems to be addressed–regular surveys help prevent complacency and will give early warning on where you might be losing business.
Although each business will have specific and unique factors that are important in providing good customer service, there are some common areas that are relevant to all businesses.
Do you make it easy for the customer to communicate with you? When a customer phones you, is the phone answered promptly? Are questions about products or services adequately answered? A good business will make every effort to ensure that whatever the customers query it is resolved by the right person quickly and fairly. Do you avoid delays, or does your customer spend an inordinate amount of time waiting? Giving the customer attention is one thing, but this needs to coincide with a quick and satisfactory solution to the issue or question. Do your customers find it easy to visit you (or find you online)? Are your products of good quality? Not only should you measure the quality of the service that you provide but you should make sure the products and services that you market are actually what the customer wants.
Take the time to profile your customers demographically. For example, where do they live and what is their average age? The more you try to understand your customers, the better you will be able to target your business. Allow customers to highlight specific problems and provide contact details in the survey.
When you’re finished gathering information and you have completed the survey, analyze the results. Look for common and specific areas where the service is failing. Ask yourself if the criticism is valid and if anything can be done to resolve or minimize the associated problem. Is your staff properly trained, and do they have sufficient knowledge of the products they’re selling? Where training programs have been put into place, have they had a positive (or negative) impact on the business? You need to be strict and truthful with yourself for the survey to do you any good.
If a customer who completed your survey raised a specific problem, contact them when the issue has bee addressed so they understand you meant what you said. Don’t lose an opportunity like this to resolve a problem and keep a customer; you may even find them grateful that you listened and will pas your name on to other like-minded customers.
Published by Quinn Stone
Business enthusiast and gaming nut, Quinn is currently working as a freelance writer. Other life goals include learning Japanese and playing a musical instrument. View profile
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Seven Customer Service Tips For Outstanding Customer Retention
Customer retention, often measured in repeat purchases, plays a massive role in driving profits for any business. Businesses that excel in customer retention are usually positioned for long-term success and possess a far greater competitive edge over their competitors.
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So how do businesses master the art of customer retention? Though there are other contributing factors to high customer retention, the most effective one probably belongs to superior customer service. Customer service is designed to create a positive customer experience in order to increase customer loyalty and ultimately, long-term customer retention.
Customer service is more than a worthwhile investment, so here are seven customer service tips to get your business up and running for outstanding customer retention.
Pay Attention To Complaints And Compliments
The National Transportation Safety Board offers an approach that every business can learn from. The NTSB takes every accident very seriously, ensuring that the same incident should never occur again. Work that same policy into your business, taking every customer complaint very seriously, ensuring that your business will never have to deal with the same complaint twice.
Use customer complaints to bring about new ideas and ways to improve your product or service. Use the same approach for customer compliments too, using compliments as a point of reinforcement for what your company is already doing right.
Just Ask Them!
There isn’t a simpler method of retaining customers then just asking customers what exactly is it they seek from your business and how they want it given to them. Whether you ask them via a printed survey, an online survey, over the phone, in person, or via email, it is crucial that you just ask them. You’d be surprised at the detailed response you’ll receive, sometimes saving you the trouble of spending extra on expensive market research.
Consider conducting a focus group with your customers. With a customer focus group, you have the opportunity to tap into their collective needs and wants and reward them for their time with discounts on their next purchase, or anything that will demonstrate your sincere appreciation.
Up Your Service With A Loyalty Program
Loyalty programs used efficaciously by businesses such as the airlines industry are extremely effective for outstanding customer retention. Starbucks is another company that ties customer service in with a loyalty program that keeps its customers coming back for more. A variation of a loyalty program can be in the form of offering specialty discounts for customers in your database sent via email.
Service With A Smile
Not every business owner believes that “the customer is always right,” or that the “the customer is king” and they’re quite right to believe so. But, in situations where customers are distraught and tend to seek attention through emotional outbursts, it pays to keep calm and take control of the situation by appeasing the customer with a smile and doing everything possible to pander to the customer’s frustrations.
It may seem over the top, but this approach will reflect positively on your business and an end-result will be outstanding customer retention.
Be A Solution Provider
Customers are a savvy lot and they can usually sense a sales pitch approaching miles away. Though they love buying, customers hate to be sold to. Instead, adopt the approach of being a solution provider, showing that you sincerely care about their needs.
Lend a listening ear to your customers and let them know that you’re not after their wallets, but instead collaborating with them to help get what they want in a way that will benefit both parties. This approach works almost all the time and is the secret sauce for high customer retention.
Be A Value Provider
Companies are always harping about providing value to customers, but very few of them actually understand what it means. Providing value to customers simply means giving first and receiving second. Giving first could be as easy as offering a free email newsletter filled with juicy tips that other companies would have charged a premium for. It’s a great way of differentiating yourself from your competitors and at the same time, providing great value for free to your customers.
Keep Your Service Memorable
Customers usually become fans of your business when they remember something remarkable you did for them. This usually happens when customers have a problem with something they bought from you and need to be fixed. The easier you make it for them to get it fixed and solve their problems, the more satisfied customers become. It could even be as simple as providing human support within three rings of a customer calling instead of sending them to voicemail and a maze of phone menus.
These seven customer service tips are some of the easiest ways to impress and retain your customers, often for life. But, don’t take my word for it. Put it into practice and you can determine for yourself, if your customer service is working by the number of repeat buyers appearing in your database.
Copyright 2007 by Robert Moment. All rights reserved. You may forward this article in its entirety to anyone you wish.
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How to Improve and Measure Customer Satisfaction
Customer Satisfaction is a pillar to the success of your business. This is easily forgotten in times that place acquiring new customers into the center of business and marketing strategies. A high customer satisfaction will bring you loyal customers and therefore a huge potential: they buy more often, with a higher order value, and they are likely to bring you new customers.
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Read on to see how Kampyle’s feedback solution can help you to improve customer satisfaction, and how feedback can be used to measure customer satisfaction.
Listening for Customer Satisfaction
The key to success in internet businesses is in the hands of customers: they know what they want, and they know what they are willing to spend money on. A business owner’s ability to understand customer experience and turn it to customer care will determine the measure of his success.
There is no doubt that businesses who really listen have the competitive advantage, and there is much to listen to. Today, more than ever, online businesses need to emphasize customer care and experience in order to maximize customer loyalty and keep up with competition that is always only one click away.
One might argue that customers are constantly providing business owners with feedback: every time they return to an online store, leave a site, and abandon shopping carts, they send feedback through their actions. While this is true, this feedback is often hard to decipher, and takes a long time and valuable resources to understand and analyze.
The Customer Experience Challenge
This difficultly in understanding user experience is the gap separating business owners from their customers. This gap can be bridged by simply asking the clients for real feedback, in real time. But this is easier said than done: how do you collect feedback? How do you measure customer experience? How do you quantify user loyalty? How do you use feedback for lead generation ? Businesses today require a simple, comprehensive solution to their feedback needs: they require Kampyle Feedback Analytics .
Customer Satisfaction Measurement
Much more than a customer satisfaction survey, Kampyle was developed by experts in user feedback, and specializes in providing complete feedback solutions: we are experts in customer experience feedback. Kampyle’s feedback form was designed to suit the needs of clients and business owners alike. Combining minimum effort with maximum usability, Kampyle’s feedback form collects large amounts of information using non-intrusive methods.
Kampyle provides branded, fully customizable feedback forms that can be built in minutes. Instead of the standard customer satisfaction online survey , information is obtained using different feedback forms placed in different areas of a website asking the questions that really matter, where they matter.
Kampyle is the business solution that turns the complex and intimidating chore of measuring user experience, to an easy and effective method of improving customer satisfaction, conversion rates, and revenues.
Additional Resources:
Customer Feedback used in the right way and with expertise can support your business in many ways. We set up several articles that investigate these benefits. We invite you to learn more about the usage of feedback for marketing and sales activities such as Online Lead Generation , Shopping Cart Abandonment , Lead Capture Landing Page , Online Questionnaire and Online Surveys , Feedback Analytics , Enterprise Feedback Management , Voice of Customer , and Feedback Form Software .
Kampyle is absolutely profitable for us. The investment to maintain the campaign is very small compared yet it generates a very high conversion rate.
Amber Golden, Marketing Communication Specialist
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CEC S Y Qureshi came down heavily on corporate India regarding CSR, saying that “CSR is not charity but a question of your very survival”.
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PTI | Jun 13, 2011, 09.25PM IST
MUMBAI: Chief Election Commissioner SY Qureshi came down heavily on corporate India regarding corporate social responsibility (CSR), saying that “CSR is not charity but a question of your very survival”.
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“We need a Warren Buffet and Bill and Melinda Gates to teach our corporates on the need for CSR. What you do is not CSR but corporate social compulsion,” Qureshi told a meet on CSR organised by Bombay Chamber of Commerce and Industry.
“When it comes to charity, you corporates do not follow its basic principle (‘the left hand should not know what the right hand is doing’). On the contrary, you want huge publicity even if you build a public toilet,” the CEC said.
Earlier in the day, corporate affairs secretary DK Mittal had said that government is not looking at making CSR mandatory. “There is no way the government wants to make it mandatory. If we make it mandatory there can be thousand and one ways to bypass it,” Mittal told the same meeting.
Stating that the least companies can do when it comes to CSR is ‘not to do anything damaging’ if they can’t do anything constructive, Qureshi referred to the constructive commercials Tata Tea and GreenPly had done in the recent past which had positive social impact.
He blasted an ADAG advertisement, on the other hand, that sort of supported pillaging and defacing of historical monuments.
“If an advertising of a commercial product can carry something productive socially, so be it, but at any cost it should not be socially damaging,” the CEC said.
The CEC also directed his tirade against the double standard of India Inc, saying, “You are generous only when it comes to political donations, because there is a lot to be gained from that.”
He also pointed out that the one of the root causes of black money is such cash donations to political parties. Taking another dig at India Inc, which is primarily based in Mumbai, he said, corporate India has no right to complain about governance deficit or political corruption “when you don’t even bother to get out of your homes on a polling day.”
“It’s nothing but a big irony that Mumbai polled just 41% in the last elections. And you still blame your government. How can you expect clean governance if you don’t participate in the electoral process?” he asked and stated that “urban voter apathy is a big problem facing the country today and Bombay is the biggest culprit in this.”
“If you want an honest government, then you first have to do some sincere introspection on what you do in getting this,” Qureshi said.
On the huge money trail in recent Tamil Nadu polls, he said the biggest irony is that elections have become the biggest source of black money and corruption and added that state funding of polls is not a solution.
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