Keeping a customer relationship scorecard

Keeping a customer relationship scorecard can help your business employees be aware of their duties and the way they are supposed to interact with customers on a regular basis. The customer relationship scorecard is a simple and effective way of keeping track of how well your business does in relationship with customers on an ongoing day to day basis. By providing a clear definition of what you expect and desire from employees and staff, the customer relationship scorecard can effect a communicating of desires to your customer relationship team in general.

Once the customer relationship staff is focused on following the customer relationship scorecard to a tee, it is amazing how much smoother that the organization flows and their relationship with their customers and the way that they handle customer service and customer related issues. Utilizing the customer relationship scorecard can bring staff members in line with the concept of making the customer feel as if they are the number one entity in the business chain of events. Thanks to the customer relationship scorecard, each and every individual employee and staff will have full knowledge of how to deal with customers on a day-to-day basis and what they expect to see from the customer relationship employees.

In the event that your business focus is on customer service and customer relationships, it is even more important that the customer relationship scorecard be adhered to and utilized as often as possible in the attempt to create the most customer friendly environment and a perfect relationship with available clientele. With this extremely high standard in mind, creation of the customer relationship scorecard should take into consideration all the different aspects of customer relationship management and other functions of customer relationship staff.

Maintaining a healthy and functional communication with staff and management employees is an important part of maintaining the customer relationship management oriented workforce and keeping them abreast of current and ongoing company policy. This method of maintaining a customer relationship scorecard and staying current with the needs and relationships of consumers and staff can bring a whole new aspect of customer service and customer relationship management to the company and its attempts to garner interest with their consumer and clientele base. Knowing that you are being cared for is a big part of making a customer comfortable, and this should be addressed on the customer relationship scorecard.

As employees and staff are hired on, the customer relationship scorecard can be explained to them in detail so that from day one, each and every employee and staff knows the entire routine of how to accommodate the customer relationship scorecard and the rules set down by staff management.

Once this information has been passed on, the new recruit can begin learning more and more about how to deal with customers and obey the customer relationship scorecard, which at this point should be a well thought out and robust instrument. Completing the customer relationship scorecard and ensuring that every employee and member of your staff is aware of the relationship scorecard is a critical element in effectively providing strong customer service.

Banking with bad credit

If you have bad credit, then banking and using financial products can be hard. However, there are ways that you can bank with bad credit and still get the features that you want. Also, if you have good credit there are some actions you can take that will easily ruin your credit score and reduce your ability to get the deals that you want. Here is some advice on banking with bad credit, and how to make sure your credit rating isn't affected by your banking decisions

Disputing your credit report

One way to ruin your credit rating is to dispute all of the items on your credit report. Although disputing items that you know to be wrong is a good idea, some people try and dispute all items because unless the agency responds within 30 days they have to remove it. The problem with this is that if all the items on your report are removed, a bank or lender doesn't know if you are a good or bad borrower. They will not take the risk and so you will be left unable to get the financial products that you want. To avoid this, only dispute items on your credit report that you know to be inaccurate or false.

Not paying bills on time

Another way to hurt your credit rating is to pay your bills or bank fees late. If you do this then your credit report will show that you are unreliable, and the interest rates and fees that you are charged are likely to increase. Although it isn't always possible, try and pay your bills on time. Using an online bill paying system can help you to keep track of when you need to pay.

Bad credit affects your banking

If you have bad credit, then it will affect all aspects of your banking. Your bank is likely to be much tougher on you if they know that you are unreliable or have bad credit. You will be charged higher rates, and you will have limited access to features. Having bad credit will reduce the chances that you can get a competitive credit card and loan from your bank. Although you can still use a bank, having bad credit will harm your ability to use your bank to the fullest.

Improving your credit

There is no easy way to improve your credit, and the best thing to do is to simply pay your bills on time and then when you have the opportunity to borrow, do so cautiously and make sure you borrow only enough to show the bank you can be relied upon to pay the money back. If you are with a bank a long time and show them you are reliable, then you are more likely to get a better deal.

Switching banks

If your credit problems are behind you but you still think that your current bank is giving you a poor deal, then maybe it is time to switch banks. If your current bank won't reward you for your loyalty, then a new bank might reward you for switching over to them. Even people with bad credit are welcomed by banks as new customers, and so it pays to regularly shop around for the best deals. Although banking with bad credit can be tricky, if you stay financially stable and are willing to look around for a good deal then you will get the level of service that you require.

17 tips to write a killer personal ad

Online dating websites offer the easier and

quicker way for single guys to meet women. The

use of online personal ads to get the audience

you desire is quite different that picking up a

girl in the real life situations. When you meet

her at a bar, party or disco it might be

difficult for you to approach her, you may feel

embarrassed, but with online dating, it is easier

and less stressful.

Therefore, you have made up your mind to put a

personal ad, but you are getting none or few

responses to your request and no girl is

approaching you. Remember that you have to

attract women with your online ad. These days

very sophisticated personal ads are appearing in

top quality dating sites.

In today's world of online dating personal ads,

have to be witty, informative, and hopefully

effective. If you want to get the best personal

ad, you must to present the right image, get

people to interact you by being friendly and

chatting every day. You should try in every

single way possible to prove and show that you

are as you have said, including your own

personality and characteristics. Writing a

personal ad is like writing a love letter, a poem

dedicated to your future partner.

For to increase your success in online dating you

have to make your personal ad to be the best.

Here are some tips that might help you.

- first and the most important is that you must

complete your personal profile fully, to be

informative, complete, to make the woman

interested

- run spell-check - a profile full of mistakes

shows that you are a sloppy, careless type

- add a photograph; ensure that the photo is

bright, clear and recent; a perfect picture with

the right clothing and a smiled face will have a

big effect recording to the visitors of your

personal ad; many people don't add a profile

photo because they think that they aren't

photogenic; but this is a wrong idea because the

profiles that haven't a photo is much less viewed

like the other

- be yourself, be sincere and say what you like

and looking for; be honest, if you are looking

just for a casual date because you already have a

wife, say it, don't imply that you are looking

for marriage just to get more details, because

this is a waste of time for everyone

- avoid major disclosures - you don't have to

tell everything about yourself in the first

paragraph, this will not be interesting anymore

- splatter your profile with humor, drama, funky

metaphors, they will draw instant attention and

interested

- don't be aggressive or rude in your personal ad,

because this will show that you are not friendly

and open for new friends

- communicate - it is important to communicate if

you want to make friends and to know better the

possible partners

- keep your profile positive and update, so don't

use words like ''desperate'' , hurry to meet

someone

- don't use swear words because are generally

offensive and turn people off

- list all the things you like can be a handful;

choose one good example and talk about why you

like it

- don't make list of your accomplishments; avoid

using personals adjectives like: I'm a

spontaneous, creative, honest person

- you can include the things that make up your

good points like the fact that you like kids, or

you are told that you are funny

- ask questions to them to answer via email

- also try to response at people messages in a

reasonable amount of time, not after a month

- be positive , show that you love life and know

how to live it

- be patient; it is true that it takes a time

until you meet somebody and get to know her

better, but it works

Also in your personal ad, you can include some

action phrases, which will express your

personality and characteristics. Some of this

action phrases are:

- long term relationship - shows the fact that

you have the sense of commitment, you are ready

for a long relationship

- great personality - express the fact that you

have a truly magnificent personality and it's

worth meeting you

- no baggage - means that you are completely

free of attachments such as a spouse or child

- active and adventurous - means that you are in

a really good shape, physically fit

- ask me anything - shows that you are honest,

adventurous and open to sharing details about

yourself

Now that you know how to make your personal ad to

be the best, I wish you good luck in finding the

perfect partner.

7 secrets of an opt-in list building strategy

Want to develop a direct communication line with your web site visitors without spamming? Develop an opt-in list with a large subscribers' base. You will be able to send personalized emails to your subscribers who have expressed their willingness to receive informative as well as commercial offerings from you. However, you have to tread a fine line between annoying your visitors and making them volunteer the information you need. Knowing the right strategy and implementing it correctly will decide whether your offerings end up in spamboxes or inboxes. These seven steps will guide you in the right direction.

1. Decide what information you need to collect. Names and email addresses are the minimum. Do you need their home address, their gender, or their age group? Don't collect information that you don't have any plan to use. Don't collect information for any anticipated future use. You may get plenty of chances to collect those information from a revised list of prospects. Keep the information collection to the absolute minimum.

2. Publish a privacy policy and provide a link at the point in the web page where you collect users' information. Mention in bold letters that you don't sell their emails to others and practice the same. Your opt-in list is very valuable and don't sell it to others for a few bucks. Don't violate the trust of your visitors and ruin your reputation.

3. Provide instant incentives for subscribing to your offerings. Free e-books, report, software, video tutorials, etc. that interest to your target audience are very effective incentives. If you have a paid member's only area, you can provide time limited access to that section of your web site in exchange for their subscriptions.

4. Publish your past offerings in your website. Each offering should be in the form of a newsletter with quality contents that improve your readers' quality of life. Conclude your contents with your commercials that explain the benefits of products or services you are selling.

5. Set up a discussion board (forum) at your site and make it available to registered members only. The discussion board should focus on your target market. By scanning the posts and their threads, you will be able to identify problems your visitors are trying to solve. Do your research and find solutions to those problems, organize them and publish those solutions your newsletter.

6. Use Co-registration. This will build your list rapidly in a short amount of time. What is co-registration? It refers to the practice of referring subscriptions or leads for memberships with another registration process. There are several ways of doing this.

When a visitor signs up for a free subscription or other service, give them the chance on the thank-you page to opt-in to another offer. Another way is give the visitors to a website the opportunity to sign up for another opt-in list. These do not need to be your thank-you pages or websites. You need to partner up with another web marketer.

The goal here is to find other website owners who you can joint venture with you to offer your newsletter along with theirs. Do a search via your favorite search engine and directories for similar offers and contact the people to set up your joint venture.

Two additional secrets to this co-registration process. First, make sure you offer more value than the other party involved in your joint venture. Second, offer your leads you get from this process more value than you usually offer by giving them a huge giveaway only available to them.

7. Use Squidoo, a social media website, to create lenses. A lens is a web page on any idea. Provide a RSS feed of your website on your lens. Embellish your lens with YouTube videos and Flickr photos related to your target market. Squidoo splits its revenue with lens creators (or lensmasters). Sign up to donate all your revenue from Squidoo lenses to a non-religious charity. Call for action by announcing that subscribers are helping a charity by joining your list.

The wonders and horrors of compounding

Google Price Target: $16,578.90

Some of you will immediately recognize this headline is a joke. For the rest of you, I was kind of hoping the ninety cents part would give it away.

If you’re reading this because you’re interested in what I have to say about Google (GOOG), you can stop now. I’m not going to say anything interesting about Google. Rather, I’m going to say something (that I hope is) very interesting about the wonders of compounding.

Warren Buffett’s annual letter to shareholders was released on Saturday. For now, I’m just going to pull out one little nugget:

“Between December 31, 1899 and December 31, 1999, to give a really long-term example, the Dow rose from 66 to 11,497 (Guess what annual growth rate is required to produce this result; the surprising answer is at the end of this section.)”

I knew what Warren was up to, and had some idea of the historical growth rate for the Dow, so I guessed 6%.

“Here’s the answer to the question posted at the beginning of this section: To get very specific the Dow increased from 65.73 to 11,497.12 in the 20th century, and that amounts to a gain of 5.3% compounded annually. (Investors would also have received dividends, of course). To achieve an equal rate of gain in the 21st century, the Dow will have to rise by December 31, 2099 to – brace yourself – precisely 2,011,011.23. But I’m willing to settle for 2,000,000; six years into this century, the Dow has gained not at all.”

I wish I could tell you that my guess was close. But, it wasn’t even in the right ballpark. The difference between a 5.3% annual gain and a 6% annual gain may look relatively small. In fact, the difference is not small. If, during the 20th century, the Dow had achieved a gain of 6% compounded annually rather than a gain of 5.3% compounded annually, on the eve of Y2K, the index would have been sitting at 22,302.33.

The rallying cry of the bubble years would have been Dow 20,000. And what of Dow 10,000? The index would have added its fifth figure in 1987. That’s right, if the Dow had achieved a gain of 6% compounded annually during the 20th century, the index would have broken the 10,000 mark while the Berlin Wall was still standing.

Over a century, that extra 0.7% really adds up. I recently wrote an email to a member of my family who had just had her first child. You would think that blathering on as I do here each day, I would have a sea of investing advice to offer. In fact, I provided only a single drop: Time trumps money.

If you want to have more money than you will ever need, your best bet is to find a few places where you can deploy large sums of money that will earn good returns for a great many years, and will not require you to share any of the spoils with Uncle Sam until you are done accumulating said spoils. To do this, you will have to own a business either in part or in whole. I’m an investor, not an entrepreneur; so, let’s stick to the economics of becoming part owner of a business.

It’s time to discuss Google. I have a price target of $16,578.90 on Google. Does that sound reasonable? No. Well, I may have forgotten to mention this is a 50-year price target? So, does it sound reasonable now?

Don’t answer. First, we need to see what it would take for Google’s share price to reach $16,578.90. Last I checked, each share of Google had a book value of $31.87. Everyone says Google’s a great business. They may be right. But, I like all my surprises to be of the pleasant variety. So, I’m going to start by chucking the idea of Google being an extraordinary business. For now, let’s just call it average.

Who would want stock options in an average business? Let’s pretend no one would. Since there's no downside, I think everyone would; but, let’s just ignore that inconvenient fact. We’re going to pretend Google won’t be diluting its shares at all. For the next fifty years, there will be no new shares and no stock splits.

As a public company, Google has earned an above average return on equity. It hasn’t been an earth shattering return on equity (it’s no Timberland), but it’s been better than most. Of course, with Google, you’re not paying up for the current return on equity – you’re paying up for all the ridiculously profitable growth to come. I’m willing to meet the Google bulls halfway on this one. I’ll give you growth, but no unusual profitability. You’re going to get a 12% return on equity, but there will be no limit to your growth.

In my model, Google can literally conquer the world.

With something like $9 billion in equity to start with, a 12% return on equity, and the reinvestment of all earnings in the business, Google would get awfully big.

Don’t believe me? I know a 12% return on equity looks ridiculously low, but watch what happens. In 2056, Google will be a $312 billion company. Of course, the big question is: do I mean market cap or revenue?

I mean profits! At a P/E of 15, Google would have a market cap of $4.68 trillion. Yes, with a “t”. That same Google share that was quoted on Friday at $378.18 would be worth $16,578.90. Google’s EPS would be $1,105.26. You read that last part right. Each Google share would be earning three times its current (lofty) price.

So, what’s the catch? There are two problems with this scenario. One, in 2056, it’s more likely Britney Spears and Kevin Federline will be celebrating 50+ years of marital bliss together than it is that Larry Page and Sergey Brin will be celebrating 50+ years of 100% retained earnings at Google. For that matter, I’d say it’s more likely Larry Page and Sergey Brin will be celebrating 50 years of marital bliss together in 2056 – which is to say it isn’t very likely Google will be able to retain all of its earnings for the next half century (unless you know something about Larry and Sergey that I don’t).

The second problem is much less amusing. You see, if on Monday, you were to shell out the $378.18 for a share of Google, when the stock reached $16,578.90 in 2056, you’d be able to brag to Britney and K-Fed about your annual compound gain of…drum roll please…7.85%. And that’s before taxes and inflation.

Google would have a $4.68 trillion empire, and you’d have an annual return of 7.85% - how can that be?

Time turns molehills into mountains and mountains into molehills. In the very long-term, growth that only earns ordinary profits leads to stocks that only yield ordinary gains. But, isn’t Google’s (lofty) price the problem? It’s part of the problem.

However, it’s probably a smaller part than you think. Right now, Google is trading at about twelve times book. What would your return be if you bought Google at book value? 13.32%. That’s a good return (fifty years from now, it’ll probably be considered a great return). Still, it’s somewhat unsatisfying. I mean, if you had the prescience to buy a $4.68 trillion behemoth when it was just a $10 billion company (remember, you’re paying book this time) all you’d get for your trouble is 13.32%.

Think of it this way. At $31.87 a share, 85% of your purchase price would be backed by cold, hard cash and you’d be buying a stock with a P/E of 6.3. A P/E of 6.3 is insanely cheap. So, why would buying a stock trading at a P/E of 6.3 and growing earnings per share at 11.4% a year for fifty years only yield a 13.32% return? Where are the insane gains?

Return on equity is the puppet master here. Take another look at the numbers. They’re doing something strange; they’re converging. Everything is getting closer and closer to 12%. Why? Because that’s your destiny. If you buy a business that earns 12% a year and you hold it long enough, guess where your returns are headed?

Here’s one last excerpt from Buffett’s letter. He’s writing about all businesses, but a long-term holding in a single business works in much the same way:

”True, by buying and selling that is clever or lucky, investor A may take more than his share of the pie at the expense of investor B. And, yes, all investors feel richer when stocks soar. But an owner can exit only by having someone take his place. If one investor sells high, another must buy high. For owners as a whole, there is simply no magic – no shower of money from outer space – that will enable them to extract wealth from their companies beyond that created by the companies themselves.”

It is now obvious I picked Google just to get your attention. Google may very well earn a return on equity much greater than 12% for the next fifty years. It has already earned “extraordinary profits”.

Even if it does grow at a phenomenal rate, it will, during the next half century, likely shed excess equity by paying dividends, buying back stock, or transforming itself into a holding company. I don’t see a way the company could possibly put more than $2.5 trillion in equity to good use in search and related businesses. In nominal terms, that’s well more than California’s GSP (Gross State Product). In 2006 dollars, it would still be something like $600 billion. Armies have been raised for less. So, if Google really does want to conquer the world, it could just try doing it the old fashioned way.

I will attempt to provide some semblance of sobriety by letting Ovid express in three words what has taken me more than sixteen hundred.

TEMPUS EDAX RERUM

Worried about your future

Today we are happy healthy individuals; we are able to do the necessary tasks without any extra help. Life would be pleasant if it could continue just the way it is now, but then we have a future the most unpredictable aspect in the whole cosmos.

Some may argue that future is filled with suspense and we cannot control it, true but then we have to put in a small amount of effort to safe guard our future, equipping our lives with suitable amenities is no crime.

So to avoid late realizations, it is better to grasp the situation and thus equip one’s self. One way to accomplish this task is by taking insurance, the word insurance is certainly a golden one as it can be a source of consolation if we are stuck in the middle of any tribulation. Assuming that you know a lot about insurances, we are going stipulate one aspect of the insurance - long term care.

Long term care, every individual requires ample amount of care when he reaches a stage of not being able to take care of himself. The long term care provides such assistance for the individual for performing his daily activities such as bathing, dressing, commuting and other indispensable activities.

Why do I need long term care?

Some people or perhaps many consider that long term care is just not for them, they hate the idea of being a burden to others and they don’t want to lose their independence, so they fail to take up the long term care. This is the biggest mistake a person can make. Long term care is necessary because we may be affected by any of these ailments-

• Arthritis

• Cancer

• Heart disease

• Diabetes

• Strokes

• Alzheimer’s disease

• Depression

Do not panic, these are the various possible ailments one can face when they enter an old age, this may happen to anyone and wouldn’t it be better if every one takes up the precautionary measure.

Long term insurance is actually a very helpful feature, avoiding this will not make any sense later in life. The long term insurance provides a lot of benefits like home health care, where you will be provided with good personal care while you are at home.

Community care or adult day care, as the name suggests you can get care from a community care center, if a person is seriously ill or if he needs regular hospital care he can obtain the nursing home care. The hospice care, caregiver training and care coordination services are the other benefits for which the long term care would pay for.

There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance.

Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.

Thus we have to develop a positive attitude towards the future, this does not mean that you have to frighten yourselves and thus panic about your future. Careful planning and implementation of those plans would prove to be very helpful. It is better not to complicate matters just by saying that these ailments will not affect you. All these decisions of not taking up the long health care may seem to be convincing now, but the future awaits and it might offer anything so isn’t it better to prepare ourselves for the worst and thus lead our lives peacefully.

Tips to win online casino games

Casino is that position at where you are all the sports. In Online casino, the most way of your balance of winning on slot machines is to be well-informed about how’s slot job everything.

(1)The paramount task of the slot zombie is RNG. RNG generates the endlessly. During the starting of the game at what time the player , chief of all he has to selects combination of numbers that correspond to symbols and that is come into view on the pay line. There is no meaning how the play-actor plays the in casinos. RNG generates the numbers nonstop till the instrument is not off.

(2) In the Online Casino Slot game the percentage payoff chip is signify the charge fraction is greater than long-run time spell of pulls. This preoccupation is determines the outfit obtain.

(3) Sometimes throughout the UK high cash machines are occasional but it’s not located in one apartment.

After accepting the all documentation management and all the functionality of the slot robot that the entertainer healthier opportunities in winning the game because they know the all tradition and of the relating to slot machines so that’s why the of winning will rise for the performer.

In this type of game any you can pull the slot handle hard or you use the spin button that’s incident is not imperative. Same as you can choose whichever use a credit card or fit to the slot club that it doesn’t worry.

In casino if competitor gets past at once that is the false impression of the game, so the trouper try to concentrate on other aspects of slot site to improve his chances of winning. Player doesn’t want to surplus his time or currency upon the systems for the logic that participant knows very well that all equipment are a excess of time.

To win the game after actor will think on his hard work on searching a saggy engine. After the entire thingamajig team member expound his personal method for doing thus and bare his time on that, and not chasing lore and difference of opinion.