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Customer Relationship

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Customer Relationship

Customer relationships is the only thing that cannot be replicated by a competitor.

Sensex is high, Gold is costly and properties are not affordable. So invest in customer relationship. It is the only investment where you get guaranteed return.

Good customer relations boost sales, as it is easy for customers to repeat-buy during their lifetime. Excellent CRM systems can predict customer preferences and prompt customers with tempting offers when they are ready to buy.

Good CRM systems identify potential customers who are about to leave, pre-empt them and trigger win-back programmes. Customer service creates brand loyalty.

Boost profits

Marketing to existing customers and referred customers costs a lot less than marketing to new customers. It is ten times more profitable selling to existing customers. It is important to retain old customer than acquiring new ones. Retaining happy customers boosts profits.

Database asset

CRM creates quality database which is a real asset to a company. Some companies quantify the value of their database by calculating lifetime values of different customer profiles.

Resources required for maintaining customer relationship

CRM fails without the support of senior management and all stake holders. CRM implementation is, expensive and time-consuming and requires extra resources, training and motivation programmes.

It is a long term investment and reduces regular advertisement cost. Every stake holders have to join hands to satisfy customer.

Companies who do not appreciate the importance of an effective complaint handling system risk internal friction. This may lead to a vicious circle, as internal friction generates poor motivation, staff disloyalty and bad service. This is why customer loyalty and staff loyalty are closely linked.

Effectively, marketers need to take control of CRM to ensure a cohesive, integrated system adopted by all departments. Companies commit suicide by:

1. Ignoring customer e-mails.

2. Failing to get to know customers.

3. Failing to satisfy customers.

Why CRM fails

Organizations have steadily got worse at CRM because of the lack of a customer-driven culture (failed leadership), poor CRM project management skills and constant cost cutting.

CRM success

The CRM presents a golden opportunity to create competitive advantage by developing a system that creates value or adds value to customers experience. It brings them closer to the organization, listens to them, help data collection and serves their needs better than before. This grows sales from repeat sales.

The CRM philosophy

A real CRM philosophy views customers at the centre of the universe. This customer focus requires a longer-term, strategic view of the business as opposed to a short-term transactional marketing approach that focuses on quarterly sales results.

Mrs. Kamal Balchandani,

Managing Director,

IDMS,

www.intdigiservice.com, idmsinfoquery@gmail.com.

Companies who do not appreciate the importance of an effective complaint handling system risk internal friction. This may lead to a vicious circle, as internal friction generates poor motivation, staff disloyalty and bad service. This is why customer loyalty and staff loyalty are closely linked.Effectively, marketers need to take control of CRM to ensure a cohesive, integrated system adopted by all departments. Companies commit suicide by:1. Ignoring customer e-mails.2. Failing to get to know customers.3. Failing to satisfy customers.

Article Source:

eArticlesOnline.com}

By Carrie Reeder

To reduce your debt with a poor credit history, you have several options. While none will solve your credit problems overnight, they can help you get on better financial ground. A debt consolidation loan can help you reduce your monthly payments, while lowering interest rates. A debt consolidation program services your debt and negotiates lower interest rates. The final option of debt settlement or bankruptcy pose longer credit repercussions.

Debt Consolidation Loan

A debt consolidation loan is either a home equity loan or a personal loan which is used to pay off your bills and unsecured debt, including credit cards. A home equity loan allows you to deduct your interest from your taxes.

With both types of loans, you can negotiate terms for smaller payments over a longer period. However, remember that you will be paying more in interest this way. You also want to make sure that your debt consolidation loan has lower interest rates than what you are currently paying.

Debt Consolidation Program

Debt consolidation programs service your debt by negotiating lower fees with your creditors and administering payments. All debt consolidation companies will get you the same low interest rate on bills since this is predetermined by the creditors. The difference between companies comes from the amount they charge for fees and their customer service for following through with accounts.

By using a debt consolidation program, you prove to creditors that you are committed to paying back your debts. Within a couple of years, you can have improved your credit to the point of being able to apply for new credit, even a mortgage loan.

Debt Settlement And Bankruptcy

If you are several months behind on payments or can’t afford debt consolidation fees, you may want to consider debt settlement or bankruptcy. With both options, part or all of your debts are reduced. This is not a choice to be considered lightly. Your credit will suffer for several years by using either option. However, if you find yourself in dire financial difficulties, know you can use these options.

To decide which option is best for you, take a hard look at your finances. Ideally, you want to pay back your bills and loans to minimize any damage to your credit. A debt consolidation loan will usually have the least impact, followed by using a debt consolidation program. Using debt settlement or bankruptcy will stay on your credit history for seven to ten years.

About the Author: See my recommended

Debt Consolidation Companies

online. Carrie Reeder is the owner of

ABC Loan Guide

, an informational website about various types of loans.

Source:

isnare.com

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By John E. Williams

Flowers have been displayed at the time of one’s passing in nearly every culture throughout time, and their importance continues today. At funerals, wakes, memorials, and cremation services, flowers and plants are a sensitive way to commemorate the life of the departed, express heartfelt sympathy to the bereaved family, and provide an important element of natural beauty in an otherwise somber environment. Family and friends often comment on the artistry, color, and fragrance of sympathy flowers, helping to aide conversation and soften the sorrow. An outpouring of flowers or a particularly striking floral tribute may be remembered long after the funeral as one of the most uplifting symbols of support. In the weeks that follow, flowers, gift baskets, and other expressions sent to the home are also important, as family members adjust to their grief. If you would like to express your sympathy to someone but are unsure what types of flowers or other gestures may best fit the situation, here are a few suggestions from experts to help.

Showing You Care

The most important consideration is to show you care, for the deceased, the bereaved family, and other loved ones who will be gathered. Flowers are one critical component, because they show tribute and honor to the life of the deceased. When considering what type of sympathy flowers may be most appropriate, consider that life. Bright flowers may be best to describe a fruitful life and convey the joy of fondest memories. Pale pastels are appropriate for a soft, feminine touch, while Autumn tones convey a more masculine theme. Pure white blossoms denote purity, grace, and peace. Roses, especially red ones, express undying love.

Making It Personal

If you’d like to personalize your tribute even more, your local florist can help. You might consider incorporating a favorite flower, personal item, or picture of the family. For someone who loved gardening, you might consider a gathering basket of garden fresh flowers with a just-picked look. For someone of faith, you might prefer a cross, Madonna, or other icon. Funeral flowers can be designed in all kinds of shapes and sizes, including insignias and sports items, as well as more traditional wreaths and sprays. Of course, flowers aren’t the only way to show you care. Other gestures are important as well. Providing dinner for the family some evening can be so helpful, especially for families including children or elderly. A thoughtful letter, informal outing, or contribution to a favorite charity are excellent options, too. These additional gestures compliment the thoughtfulness of your sympathy flowers, adding an extra personal touch that will be greatly appreciated.

Knowing How Much to Spend

The cost of funerals is steadily increasing. Fortunately, there are flowers for almost every budget. You can express yourself eloquently with something as simple as a single perfect rose, as economical as a modest mixed arrangement, or as striking as a grande standing spray of elegant roses and lilies. For gifts to the funeral home or memorial service, fresh flower arrangements in vases and fan-shaped sympathy designs are usually best, because they provide the most impact for your money. Sympathy flowers come in a broad range of sizes and price ranges. The choice is up to you, but remember there may be other floral tributes displayed in close proximity. So, you don’t want to skimp on size. For a nice table arrangement, plan on spending about $50 to $70, with fancier styles running $75 and up. For a larger standing piece, $100 to $150 is common. For gifts to the home, both flowers and plant are popular, with prices typically in the $35 to $60 range.

What about “in lieu of flowers?”

At the suggestion of well-meaning friends or advisors, families sometimes include a phrase in the obituary announcement such as, “In lieu of flowers, contributions may be sent to…” Of course, most families sincerely appreciate all personal expressions of support and may later regret having too few flowers at the funeral. A more appropriate phrase for many might be, “In addition to flowers…” or simply, “Contributions appreciated to…” Use your best judgement, but keep in mind that the “in lieu of” terminology is usually intended to encourage charitable gifts rather than discourage other expressions. Tasteful sympathy flowers are almost always appropriate in addition to charitable giving.

I didn’t find out until after the funeral!

Even if you didn’t know about the funeral until after it was over, you can still convey your love and respect. Family members need your thoughts, prayers, and personal expressions long after the funeral is over. Flowers and other gestures are a sensitive and appropriate way to let them know that they are not alone. After all, one of the best ways to honor those who have passed is to support those they have left behind.

Are there other ways that I can help?

The best thing you can do is to let family members know that you care. Help with meals, provide child care, drop by with a gift or card, or simply call. Everyone responds to loss differently, but reaching out reminds people they’re not alone. You’re care may help distract them from their grief allowing an easier transition into a normal routine. In other words, just being there is the best thing you can do to help.

About the Author: From the people at 1-800-Florals and the Society of American Florists. For additional information and floral tributes, visit Sympathy Flowers online at

800florals.com/category.asp?category=sf

or visit the main website

800florals.com

Source:

isnare.com

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By A Noton

It is now possible to get credit line for small business without any hassles for those people who run companies that are not so large. With the current state of the economy, there are so many banks that have been affected and the stock market has also been affected. This means that most financial institutions and banks are willing to lend money, only to companies which they know will fare well. Any entrepreneur knows that having good cash flow can make the difference between success and failure.

The money obtained can be used in so many ways by the entrepreneur. But, the key thing is to fund the projects that will expand the prospects of the company. The finance provided is also a good way for the company to be cushioned against bad sales that sometimes may have some very dire consequences like budget cuts.

It will give the company the chance to avoid the high interests that are charged for loans by banking institutions. Securing the finance is easy and managing it is simpler than the normal loan given by the financial institutions.

Apart from the banks, there are many places where one can get financing for their company. There are companies that are usually a great resource when it comes to funding. This means that one needs to find the most suitable source of financing for themselves.

These companies offer lower interest rates. The payment methods offered are flexible and they are far much easier to secure than the regular loans. A business owner can use the internet to search for the available credit that will be suitable for the company.

Apart from these companies that provide financing, there are also some banks that will do the same and their interest rates are also good. The terms that will be given by the bank will obviously not be the same as those that are given by the most card companies. The main advantage with the banks is that they are more trust worthy and their terms for the financing are more predictable.

There are those people that apply for financing using online sites. It is always advisable to read all the information as sometimes there could be hidden stipulations that are written in small print. There are so many people that have failed to realize all the terms and conditions that have been given by financial institutions. There are those interest rates that will be very attractive but what the person may fail to know is that the rates can expire fast or even sky rocket at the same time.

Failure to check the interest rates can cost the company money that it has taken so long to try and save, leading to more strain. All the credit line for small business that will be taken either from a credit card company or from the bank should transparent. While the financing can be a turning point for the company, getting one that has the wrong terms and conditions that are not suited for a small company can be so costly. The main aim of getting the financing is so that the company will grow and not lose money.

About the Author: Global Financial institution offering commercial and personal banking services including online banking, credit card, loans Bahamas Money and Finance in Trinidad and Toba

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The American Association for Long Term Care Insurance (AALTCI) has recently published the new long term care tax deductions limits for certain types of LTC plans. The guide, which is published annually, is being used by over 1 million professionals in the insurance industry.

According to Jesse Slome, Executive Director of AALTCI, the new guide of LTC plans tax deductions would surely benefit business owners, especially those who are running small and mid-sized businesses.

Individuals who are also LTC plan holders would also benefits with these deductions particularly after their retirement. Since their income would become lesser once they retire from their work, being entitled to tax deductions will become more possible for the person. And this includes deductions of the monthly premiums of certain LTC policies.

Since LTC premiums are considered as health-related expense, an individual will be given applicable tax deductibles based on his age and according to the new and latest tax limits being offered.

The tax deductions in the monthly premiums of LTC plans is just one of the many benefits that owning an LTC plan can provide the policyholders. This is more beneficial to those individuals who are no longer capable of working and have no strong or stable financial resources to compensate for the LTC services that they will use. Through the tax limits that are yearly updated, they are given the appropriate deduction based on their age when they started using their policy benefits.

Below is the list of the latest long term care tax deductions limit based on the guides that were published by AALTCI:

For Self-employed Individuals:

Age 40 and below – $350

Age 41 to 50 – $660

Age 51 to 60 – $1,310

Age 61 to 70 – $3,500

Age 71 and above – $4,370

For Owners of Partnerships, Subchapter S Corporations, and LLCs:

It is not mandatory to meet the 7.5 percent of AGI limit. Partners, members, and shareholders may deduct the amount based on the tax limit on their tax return.

For Owners of Subchapter C Corporations:

A 100 percent tax deduction may be given to any subchapter C Corporation that purchased LTC plans on behalf of its employees and dependents. It can be considered as a business expense and therefore entitled for particular tax deductions. However, the tax deductions may not be based on the limits stated above and in fact, employers may even choose and select the kinds of employees that they want to receive certain LTC insurance benefits.

Private sectors, as well as its counterparts in the government that favor the purchase of LTC insurance plans are confident that through these new tax limits, more and more residents would be encouraged and convinced to avail their insurance plans as early as possible. They also push insurance agents and elder care specialists to continuously inform their current and potential clients of this information so that they could better decide on what type of policy to buy.

With the help of these guidelines with regards to long term care tax deductions, individuals, as well as business owners alike, will surely benefit from it, giving them no reason to delay or postpone their plan acquisition.

Article Source: sooperarticles.com/finance-articles/insurance-articles/2012-long-term-care-tax-deductions-820038.html

About Author:

Have you been trapped in paying for care services for you or a loved one? Did you know that a ignoring the red flag could lead you to despair as health services are rising every year? Planning for long term care is the wisest decision to protect both your future health and finances, and this can be done by securing a long term care plan.Author: Meredith Colee

By Anthony Peck

Did you know that deciding to raise your deductible can help you save 20% or more on your homeowners insurance? Sure, most people know that a higher deductible equals lower premiums. That’s part of the standard spiel handed down when you’re talking about saving money on homeowners insurance-or any kind of insurance, for that matter. What most people don’t know is why it works, when it works or how high they need to go to maximize their savings.

1) Why a Higher Deductible Can Save You 20% or More on Your Homeowners Insurance

Have you ever met an insurance company that offered to pay your claims for nothing? Of course not. Insurance providers might be in the business of rescuing you after your home’s been damaged or destroyed, but they’re also in the business of making money-and giving away something for nothing’s bad business.

When you raise your deductibles you’re volunteering to pay more every time you have to file a homeowners insurance claim. When you’re paying more they’re paying less, and every insurance provider in the country is going to reward that fact by offering to save you money on your homeowners insurance.

2) When It Works

Lower premiums should go into effect the minute you raise your deductible; however, whether that point will come in the middle of a policy period or when you renew your policy is going to be up to your homeowners insurance provider. Every company has their own policy when it comes to making changes to their policies (try saying that five times fast!), so it’s important to talk to yours when you’ve made the decision to raise your deductibles.

3) How High Should You Go?

Ah, the $10,000,000 question-how high should you raise your deductible? There are a number of things to consider when deciding where you want to set your deductibles, and the decision should be made based solely on your own economic circumstances. Keep in mind that while raising your deductibles as high as they’ll let you go in exchange for a lower premium sounds like a good idea at the time, when you have to file a homeowners insurance policy you’re going to be expected to come up with that amount out of pocket.

That said, here’s what studies are showing regarding the impact deciding to raise your deductible can have on your premiums:

a) The average deductible is $250-300 per claim filed.

b) Raising your deductible to $500 can save you up to 12% on your annual premiums. c) Deciding to raise your deductible to $1,000 (which is the level most leading insurance experts recommend to homeowners) can save you 24%. d) Raising your deductible to $2,500 can shave 30% off of your premiums, and e) A $5,000 deductible can save you 37% or more each year.

Deciding to raise your deductible can save you 20% or more on your homeowners insurance, and it can do it fairly quickly. Just make sure you can afford to cut that check before you sign on the dotted line.

About the Author: Anthony M. Peck is the Senior Developer, Software Project Manager, and Director of Business Development for QuoteScout.com. For more information about what deciding to raise your deductible can do for your homeowners insurance premiums, visit them on the web at http://www.QuoteScout.com.

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