Are Your Policies Hurting Your Business?

A customer& 39;s purchase is too high a price by $ 10.00. The store is clear "No refund " for sale associate refuses to issue the refund even if & 39; error was hers. The client was informed that & 39; it would have to accept a store credit or & 39; wait for a cheque to be issued per capita office.
A customer wants to exchange a point of sale, it has bought three more hours early, but the policy of the store, " All sales are final. " L & 39; employee refuses categorically to the question of & 39; exchange for customer.
What is the probability that these customers purchase of these stores? & 39; I think that it would be fair to say that & 39; they will not.
We all know that policies are in place for one reason - to protect society and reduce the risk and responsibility. However, in many situations, policies are in place to manage a small portion of the company & 39; - people who seek ways d & 39; run your business or trying to obtain some d & 39; something for nothing. Unfortunately, these policies are designed to control the minority rather than the majority. And as a customer, I strongly doubt that you love to be said, " C & 39; is our policy. " There is no doubt that some people will take advantage of flexibility and liberal policies. However, my experience & 39; m learnt that these people are few and far between.
Case the point, when I & 39; I published my first book, I have proposed a & 39; unconditional money-back guarantee to any person who did not feel the concepts that help them improve their business skills. My editor was upset about the decision, telling me that I was & 39; myself putting in place to take advantage. Later, I & 39;& 39;ve extended this policy to the products J & 39;& 39;ve started to sell online. Over the past four years, I & 39;& 39;ve sold over 7000 copies of my book and thousands of dollars of other products, but I & 39; n have issued refunds to 2. Is the risk worth the reward? Absolutely!
In another situation, a participant in one of my public workshop expressed its disappointment because the program n & 39; not address specific forecasts, even if all the details of the programme have been provided before that & 39; he recorded. Although I considered the possibility that & 39; he was trying to take advantage of me, I& 39;ve & 39; yet offered a refund, because it makes good business sense.
The you make it easier for someone & 39; a do business with you, the more their business will generate, providing courses, offers you a good product at a fair price. I am firmly convinced that flexible policies can help companies increase their market share.
Here is something else to consider. When your policy change (which is not uncommon & 39;), do not force customers to comply with the new policy immediately after that & 39; it was established. Give them a grace period to help & 39; s adapt to the new procedures.
I also think that & 39; it is important to give employees a certain latitude. I& 39;m not suggesting that you allow everyone to take their own decision, but I know from experience that most people will make good business decisions & 39; if & 39; opportunity.
Many people are reluctant to make business with someone & 39; one that & 39; n & 39; they have not bought in the past. And for good reason, they were sold goods and services which & 39; have not met their expectations. Reduce their concern and & 39; hesitation in making it easy and safe to buy from you. One of my first customers expressed concern about how to deal with an unknown provider (me). When she asked what would happen if it & 39; was not satisfied with the program that I & 39; going to develop it, I told him that & 39; it would not pay. J & 39;& 39;ve even decided & 39; included in my contract with them. Several years later, his company is still a client and myself have since extended that policy to all clients.
Another new aspect to consider is the & 39; you include fine print in contracts. Why force your customers to review the paragraph to paragraph of text that can be read with a magnifying glass. Indicate your terms in advance and & 39; we believe that smaller characters that you have, the more you try to hide your customer.
I remember my wife speaks to a society & 39; computer we were leasing after we discovered that we had made two extra payments, even if the lease had ended. He said, " Your contract clearly states that you are responsible to contact us to terminate the lease. " J & 39;& 39;ve also seen this type of clause for extended warranty programs. Some companies offer a discount on the warranty if you did not use & 39;. However, warnings usually require the customer to submit the & 39; original receipt within 30 days of the security expiration.
Evaluate policies you have developed over the years and look d & 39; a customer perspective. They May be cost you business.
2006 Kelley Robertson, All rights reserved.
Kelley Robertson, president of the Robertson Training Group, works with businesses to help them increase their sales and profitability and motivate their employees. Receive a free copy of " 100 pleas & 39; " increase your sales by subscribing to his letter d & 39; information available http://www.RobertsonTrainingGroup.com. Kelley speaks regularly at conferences, sales meetings and functions of & 39; company. & 39; For more information on its programs with him at 905-633-7750 or Kelley@RobertsonTrainingGroup.com. computers desktop



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Online shopping-The faster way to your latest Home appliance

Out of the past are the days when it was necessary to visit the salon or local shopping center to get a desktop or laptop computers. With the growing number of Internet users around the world, people turn to make purchases online.
Online shopping portals include top brand products at reasonable prices. Because these web sites include products from top manufacturers, you can blindly trust their authenticity. Direct retail India is one such online store, which is desktop and laptop computers from the best manufacturers of computers in business as Compaq, Lenovo, Hewlett Packard, IBM, Acer, and many more.
While buying a desktop or laptop computers, you need to be satisfied with the product before buying. Direct India retail sales includes all the information that the customer is looking for when buying computers. You can go through product descriptions, prices, reviews, commentaries, etc. and make the best decision. In addition, you can find some amazing offers like free gifts, discounts, etc. on the desktop or laptop computer that you purchase. The Web site also contains a wide range of accessories, such as laptop bags, laptop cases, memory, mouse, speakers, cleaning materials, etc., that you choose. You just need to go through a gallery of products and make the best purchase.
The security of your personal data is considered of great importance and is kept confidential when you shop online retail Direct from India. When you apply for desktop computers, laptops or other related accessories, you delivered in a short period of time. Change your method of purchase and see, difference.
The author is a specialist in retail writing. Her writing skills reflect the outcome of years of exposure retail industry. Working with retail giants as consultant enriched her knowledge and her passion for writing received fire. It can be read regularly RetailsDirect.in. For more information, visit: www.retailsdirect.in internet dating



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Life Insurance - Pros and Cons of Term Life & Whole Life Insurance

Do I need life insurance? Is whole life insurance a good investment? Is term life insurance risky? Questions like these are posted in online communities on a daily basis. The answers vary widely, with the term life and whole life camps polarized. The tone of the debate is surprisingly strident. After all, the topic is insurance not a something expected to inspire strong opinions, let alone strong language. But words like rip-off, scam, and waste of money fly back and forth, sometimes accompanied by rows of exclamation marks or worse. What is behind the brouhaha? And which camp if either is right?
The two sides do not even agree about whether a person needs life insurance. Whole lifers say, yes. You do not want the death of a family member to disrupt your family s finances or jeopardize its future. It is hard enough to adjust to the loss of a loved one. Adding financial difficulties exacerbates the problem. With the skyrocketing costs of funerals, even children and seniors should have at least a small life insurance policy.
Not so fast, say the term lifers. The only reason to have life insurance is to replace the lost income of a family member who dies, and then only when the spouse or family is dependent on that income. If you are single with no dependents and no debts that might be transferred to your family in the event you die, then you do not need life insurance. If you are married and your spouse works, you probably do not need life insurance, either, assuming your spouse makes enough to support himself or herself.
The time for life insurance, term lifers say, is when the policyholder s income is vital to the financial security of the family. If, for example, you have purchased a home together and your spouse could not pay the mortgage and other bills by himself or herself, then life insurance is in order. If you have children, you will want to have enough life insurance to allow your family to maintain its lifestyle after you are gone. This includes not only meeting day-to-day expenses, but also being able to follow through with plans for higher education. Insurance professionals recommend buying a policy with a face value 5-10 times the breadwinner s annual salary to help family meet expenses for a period of years.
Whole lifers see problems with the term-life scenario. The view it as overly optimistic, even na ve. Many things can happen during the 20- to 30-year period covered by term life insurance that could extend the need for coverage beyond the policy s end date. For example, children may be born mentally retarded, with severe autism, or with another serious condition that could prevent them from becoming independent when they reach adulthood. Children also can develop a disease or suffer an accident that disables them. A spouse, too, can become disabled. In these situations, the family will remain dependent on the breadwinner s income long after the term life policy expires.
Term life insurance advocates point out that in such cases, the breadwinner can renew the term life policy, or take out a new one. Now it s the whole lifers turn to say, Not so fast. By the time the second term life policy is needed, the breadwinner will likely be in his or her fifties or even sixties. Due to the age of the insured, the cost of a second term life policy will be much higher than the cost of the first was. With the added years come added risks of certain diseases. If the breadwinner is obese, has developed high blood pressure, a heart condition, diabetes, or another disease, the cost of the term life policy will skyrocket. If the individual has developed cancer or AIDS, he or she may not be insurable at all. In such situations, the cost savings realized on the first term life policy could be wiped out by the high cost of a second term life policy.
By contrast, the premiums of a whole life policy are set for life and do not go up with age or medical condition. A whole life policy cannot be canceled due to medical conditions, either. The policy remains in force until death, as long as the premiums are paid.
Until death is another advantage of whole life, its advocates maintain. Whole life gets its name from the fact that it insures the policyholder life until death. As a result, whole life insurance is guaranteed to pay a death benefit the amount the policy pays upon the death of the insured. The death benefit can be increased at certain points at no additional cost as the policyholder ages. A small policy designed to cover the funeral costs of a child can be increased to provide adequate coverage during an adult s peak earning years. Whatever the death benefit or face value of the whole life policy, the insurance company guarantees to pay it. As a result, the policyholder or his or her beneficiaries always receive some, all, or more than the premiums paid into the policy.
This is not the case with a term life policy, whole lifers point out. The term life insurance policyholder can pay premiums for 30 years, but if he or she outlives the policy even by a day then all of the premium money is gone. The only thing the policyholder will have received is 30 years worth of peace of mind.
Whole life insurance, by contrast, accumulates a value that the policyholder can access during his or her lifetime. This value is known as the cash value or the surrender value. The whole life policy holder can use the cash value as collateral for a loan, or even borrow some of it during his or her lifetime. The policyholder must pay this amount back. If he or she dies before it is paid back, then the unpaid amount is deducted from the death benefit. If the policyholder decides to cancel the policy, the insurance company will pay him or her the cash value, which is then known as the surrender value. Whole life, its proponents maintain, is not only insurance against death. It is an investment for life.
This is where the debate turns nasty. Term lifers often ridicule the investment features of whole life. Because whole life always pays a death benefit, it costs 5-10 times more than term life does. Term lifers argue that a person is much better off getting a term policy for the same face value that they would get a whole life policy, then saving and investing the difference in premiums. Almost any investment will return more than a whole life policy will, term lifer proponents maintain. Over 20 or 30 years, the difference can be vast. Buy insurance to insure, the term lifers say, and use the savings to invest.
Whole lifers respond that the return on a whole life policy is guaranteed at the outset, something than cannot be said for other investments. To earn greater rewards, the term life policyholder must take greater risks in the open market. Many investments will outperform whole life insurance, but not all will. Some investments lose money, as shareholders in World Com, Enron, Peregrine Systems, and many other companies can attest.
Even if the investment will pay out, it is not certain that the term life policyholder will actually make it. To do so, he or she must calculate the amount saved over whole life insurance; save that money every month, quarter, or year; research possible investments; and contribute to that investment regularly for 20 or 30 years. This makes sense for disciplined and savvy investors, but many others will find the endeavor daunting and time consuming. They may not start it, and if they do, they may not continue it. Whole life takes care of insurance, savings, and investment in one easy payment. Even if the returns on whole life are not great, saving something is better than saving nothing, and nothing is exactly how much many term life policyholders will end up saving.
Both whole life and term life have pros and cons. People who are financially savvy and disciplined will gain from the term life scenario. Those who need a convenient and simple mechanism for insurance and savings will benefit from whole life insurance. Deciding which is best for you requires an honest appraisal of your goals, your lifestyle, and your investing skills. mobile internet



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