Customer Service Essential for Small to Medium Businesses ...

Smaller businesses don?t always have the resources for quick-response and automated customer service, but because they?re not gigantic conglomerates, consumers still expect the same speed and quality of service ? perhaps even more than they do of larger companies. In the age of social media and technology advancements, it?s easy to lose track of the customer service essentials SMBs need to maintain to stay relevant.

How does your website look?
A recent?Forbes Magazine article?noted that in their attempts to stay relevant in sales, SMBs often lose sight of their websites. Try walking through your website from the perspective of someone who?s never heard of your company before. Ask yourself: Is my website user friendly and modern looking and will it make customers visit more than once? You want your customers to frequent your website often and have a positive experience with it. Resources and support links should be easy for them to find, and pages should navigate organically to and from each other.

Forbes analysis reads: ?As sales move to digital, the web site drives higher customer value and loyalty. Just as importantly, it lowers interaction costs ? critical for winning in the SMB market where the small size of each individual customer requires a nimble interaction model to capture any margin.?

Do you have a social channel for your customers?

Social media customer relationship management (social CRM) is expected to be a billion dollar industry and is quickly being adapted into sales strategies and best practices. If you haven?t already, create a twitter handle for your support team. Monitor it weekly, if not daily, to engage with customers, promote deals and monitor customer service issues. Virgin Atlantic, for example, has set up a system that allows flyers to Tweet them for flight status updates.?http://www.virgin-atlantic.com/en/gb/bookflightsandmore/innovationzone/virginfamily/twitterstatus.jsp 0 People want their businesses to be as interactive as they are, which means you should develop social media strategies for your customer support as soon as possible. Don?t look at it as a nuisance, either.?Social CRM apps, which allow you to better track your customers online behavior, increase productivity among your sales team by about 25 percent.

How are you following up?
You absolutely should not leave your customers high and dry after you?ve won them. This isn?t Boiler Room. Refocus your SMB sales team commitment so every rep follows up with every customer post-sale in search of renewals and upsells. Ask them how their experience with your company went and encourage them to come back. To increase your chances of renewals, consider offering discounts to entice them to come back.

You should also fall back on your strong website and social media presence when chasing renewals. Once they purchase a product, make sure your website offers tips for using that product and recommends similar products they haven?t bought. Also engage with them via a tweet, for example, if they?ve found your business through a social media site. Customers are more inclined to come back to a business that can prove its run by humans and not automated, spam-like virtual salesmen.

About the author

lisafugere Lisa Fugere is the content marketing strategist and writer at InsideView, the leader in Sales Intelligence. She's responsible for creating all InsideView branded content, and specializes in SaaS sales and marketing expertise. She has a background in creative writing, and is a key contributor to InsideView's marketing team. @lisafromiv

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Source: http://blog.insideview.com/2012/12/24/customer-service-essential-for-small-to-medium-businesses/?utm_source=rss&utm_medium=rss&utm_campaign=customer-service-essential-for-small-to-medium-businesses

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Some of the Responsibilities of a Guardian in - New York City Estate ...

Under New York law, a guardian must be someone who is 18 years of age or older and a legal resident or a U.S. citizen. Most often a guardian is a family member of the incapacitated person. The court may also appoint an unrelated neutral third party to act as guardian when there is no family member available. Since each incapacitated person?s needs are different, a guardian?s responsibilities are tailored to the incapacitated person?s particular needs. A guardian may be appointed as a guardian of the person, property or both. Click here to learn more about New York Guardianship.

The Two Types of New York Guardianships

There are two main types of guardianships recognized in New York- Guardianship under MHL Article 81 and a guardianship under Article 17-A of the Surrogate Court Procedure Act. An Article 81 guardianship is used mostly for elderly persons or persons who have suffered a brain trauma or brain disease, who are mentally or physically incapacitated. An article 17-A guardianship is used for the care of a minor child or a disabled child. The guardian?s responsibilities vary depending on the person?s individual needs and requirements. The court will issue a Guardianship Order setting forth the guardian?s responsibilities.

Responsibilities of a New York Guardian of the Person

As a guardian of the person, you may be responsible for an incapacitated person?s:

? Safety
? Health, dental, medical needs and decisions regarding nursing and other care
? Education
? Day-to-day living needs, including grooming, bathing, feeding and household care, transportation

Responsibilities of a New York Guardian of the Property

As a guardian of the property, you may be responsible for an incapacitated person?s financial needs including:

? Banking
? Paying of bills
? Collecting of real estate rents
? Buying and selling real estate
? Buying and selling stocks and bonds
? Making repairs
? Running a business
? Filing income tax returns
? Making decisions regarding legal matters while acting as guardian ad litem and working with attorneys handling legal matters involving the incapacitated person
? Obtaining government benefits such as VA, Social Security, Medicare, Medicaid or SSI
? Submitting an Accounting to the Court

When establishing a New York guardianship, it is recommended that you seek the advice of a New York probate and estate attorney to represent you in the matter. The attorney is familiar with the New York guardianship laws and can help you with the establishment of a guardianship by preparing and filing the necessary paperwork, representing you at any court hearings and helping with other financial and tax matters.

If you wish to speak to a New York guardianship attorney, call the Law Offices of Albert Gurevich at (212) 233-1233.

Source: http://www.nyestateslawyer.com/new-york-estate-law/2012/12/some-of-the-responsibilities-of-a-guardian-in-new-york/

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Hafeez unfazed by Dhoni's captaincy experience ahead of Indo-Pak ...

Hafeez unfazed by Dhoni?s captaincy experience ahead of Indo-Pak series ? Cricket News Update

Pakistan skipper Mohammad Hafeez on Sunday admitted that his Indian counterpart Mahendra Singh Dhoni is far more experienced when it comes to tactics and planning. However, he is not wary of the Ranchi wicketkeeper batsman and said that going into the just to begin series against India, his aim as captain would be to motivate his players and not to crumple under pressure.

?Dhoni is far more experienced captain than me and Misbah-ul-Haq,? said Hafeez, the T20 skipper of Pakistan, while speaking to media reporters after a long practice session on Sunday.

?But having said that every captain has to face challenges. My aim will be to see that my side plays without any pressure and express themselves as much they can,? added the experienced all-rounder.

The much-anticipated bilateral series between the archrivals India and Pakistan gets underway at the M Chinnaswamy Stadium, Bangalore on Tuesday, December 25, 2012, with the two sides clashing in the first of the two T20 Internationals.

Besides the two T20I fixtures, the Asian cricketing giants are also scheduled to play three One Day Internationals, in what will be the first bilateral series between the two countries in more than five years. The three ODIs will be hosted by Chennai (December 30), Kolkata (January 3) and Mumbai (January 6).

Hafeez, a veteran of 107 One Day Internationals and 40 T20Is, said that his team was in India to play good cricket, adding that winning and losing does not matter a lot to them.

"We have come here to play good cricket and enjoy our game," insisted the experienced all-rounder.

This was Pakistan?s turn to host a bilateral series between the two sub-continental cricketing nations, but India refused to tour the troubled country citing security concerns, and did not agree to play even on a neutral venue.

The 32-year-old Sargodha all-rounder, who was given the reins of the national T20 side, rued the fact that international teams are not willing to tour Pakistan. However, he hoped that international cricket will return ?to Pakistan soon. He further said that he was proud of his team?s impressive show away from home over the last three year.

Source: http://blogs.bettor.com/Hafeez-unfazed-by-Dhonis-captaincy-experience-ahead-of-Indo-Pak-series-Cricket-News-Update-a210878

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Baseball Live Hitting (Ages 14-18) | Crystal Lake-Cary Sports ...

Wednesday, December 26, 2012, 9:00 pm

Homerun Sports and Fitness, 143 E Main St, Lake Zurich, IL | Get?Directions??
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No matter how many swings you take in a cage there is only one way to prepare for hitting in a game. You must step in against pitchers throwing live! Hitters will face college quality pitchers or better who won?t hold anything back. Hitters will take full at bats and receive instruction on their approach and game specific hitting situations. Make sure all that work on your swing is not wasted. Get live at bats in before the season and be prepared!

Session I: Dec. 5 -Dec. 26

Session II: Jan. 2 - Jan. 20

Session III: Jan. 30 - Feb. 20

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December 5, 2012 / December 12, 2012 / December 19, 2012 / December 26, 2012 / January 2, 2013 / January 9, 2013 / January 16, 2013 / January 23, 2013 / January 30, 2013 / February 6, 2013 / February 13, 2013 / February 20, 2013, 9:00 pm?10:00 pm

Homerun Sports and Fitness

143 E Main St, Lake Zurich, IL

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Source: http://crystallake.patch.com/events/baseball-live-hitting-ages-14-18-c0a59a89

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Three money management tools to look into this 2013 | Firstpost

How do you manage your money? One coin, at a time? It?s all right for your grandfather or father to manage money the traditional way. But with so many personal finance/ money management tools available online, you simply have no excuse to still stick to the paper-pencil method. After all, if you are on Facebook and Twitter and reading this story online on Firstpost, we already know you are tech savvy.

Why tools: Today, we have multiple bank accounts, a few loans running, then there are credit cards, debit cards, insurance premiums, mobiles bills, mutual funds, stocks, taxes and expenses, and like to look into. And handling all of them the traditional way is hard. Hence the need for online money management tools.

You can either upload all the e-statements manually or simply link your various accounts to be auto updated to the tool. Reuters

What?s on offer: From a money management point of view, today we need three things: gathering all our financial data in one place; keep track of our overall portfolio in real time; and tools that help us with budgeting and tracking our expenses.

Here are a few online tools which you could use this coming year, to bring some method to your money management madness.

Perfios.com: Is an online money management tool. Once you register with the tool, you get to view all your financial accounts at this site.

Which simply means, no more remembering multiple login IDs and passwords. You can track various financial accounts via this tool, right from balances in your savings accounts, to credit cards.

Even investments like mutual fund shares, insurance policies, loans and FD. You can either upload all the e-statements manually or simply link your various accounts to be auto updated to the tool. You can also use the tool to file your income tax returns online. Moreover, you can use the tool, to run various reports to know your income and expense pattern.

This tool lets you know the amount of capital gains you?ve made on your investments in equity and mutual funds and also know your total tax liability. The tool allows you to set reminders and alerts for various bill payments and insurance premium reminders and like, so no more late payment fees, thanks to the bill payment reminders. And the best part is that you need not pay a fee to use Perfios.

Moneycontrol.com: If you like to track your investments, that too via live price updates, Moneycontrol?s Portfolio Manager tool is for you. You get to see a consolidated view of all your investments, right from stocks, mutual funds, unit-linked insurance plans (ULIPs) and the like. You get to track as well as update your mutual funds systematic investment plans, as well as track dividends on the investment you have made.

Moreover, the tool also helps you know the status of the capital gains you made and your tax status. You can see how your individual stocks and overall portfolio performed against various indices. That?s not all. You get to create various watch list for stock, mutual funds, commodity as well as futures watch list. In short, if you are looking for account aggregation, real time view of your investments and financial planning, check this tool as soon as possible. (Disclosure: moneycontrol.com and firspost.com are part of Network18 Media and Investment Ltd.)

Trackeverycoin.com: If you are some one who usually has more month left at the end of your salary, you probably are not sure where your money goes. This means, you need an expense tracker. Trackeverycoin is one such tool which helps you track your daily expenses, income, savings as well as remind you about bills and company reimbursements and the like.

The tools allow you to add/ edit and modify categories of both expense and income, right form regular expenses like fuel, mobile bills and the like, to shared expenses such as your dinner bill with your mate. You also get to use ?I owe you? feature, where you can note the amount of funds you owe.

Then there is ?You owe me? feature which shows the funds people owe you. The tool generates monthly reports and emails you the same. Simply put, if you are serious about knowing where your money goes this tool is an excellent start. It not only tells you know where and how much you spend, but give an overview of your spending habits. And, as they say, tracking expenses is the first step to getting money matters straight.

So, in 2013, check out these tools for better money management.

?

Source: http://www.firstpost.com/investing/three-money-management-tools-to-look-into-this-2013-567506.html

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Ravens run over Giants, clinch AFC North title

Baltimore wraps up division title while New York falls to brink of elimination

By DAVID GINSBURG

updated 7:33 p.m. ET Dec. 23, 2012

BALTIMORE - A celebration four weeks in the making featured laughs and hugs, a surprise appearance by team owner Steve Bisciotti and the distribution of hats announcing the Baltimore Ravens' stature as AFC North champions.

Joe Flacco threw for 309 yards and two touchdowns, and the Ravens defeated the New York Giants 33-14 Sunday to end a three-game losing streak to secure their second straight division crown.

"It feels good," wide receiver Torrey Smith said in the upbeat locker room. "I'm just glad we finally got it done."


The Ravens (10-5) led 24-7 at halftime and cruised behind a short-handed defense that harassed quarterback Eli Manning and limited New York to 186 yards.

Playing its second game with Jim Caldwell as offensive coordinator, Baltimore scored touchdowns on its first two possessions and amassed a season-high 533 yards - 289 in the first half alone.

"It's about execution, man. It's a simple word, but it's a very tough task to do," said running back Ray Rice, who ran for 107 yards and caught six passes for 51 yards and a touchdown. "This was a championship game for us."

After ending their longest losing streak since 2009, the Ravens are assured a home playoff game on the first weekend of January.

"We know what's at stake. We want the AFC championship and it starts tonight," safety James Ihedigbo said. "We're not looking at regular season. Playoffs started for us and we're going to keep on playing."

The defeat eliminated the defending Super Bowl champion Giants (8-7) from contention in the NFC East and severely damaged their chances of qualifying for the playoffs.

New York has lost five of seven and was coming off a 34-0 defeat at Atlanta. In this one, Manning went 14 for 28 for 150 yards and was sacked three times.

"Obviously, we have a bad formula going on right here," coach Tom Coughlin said. "We're having trouble stopping people and our offense doesn't hold the ball at all to give the defense a chance to catch their breath. We've had two games in a row, pretty much the exact same scenario."

Flacco, meanwhile, rebounded from a stretch in which he committed two turnovers in each of Baltimore's three straight defeats. He completed 25 of 36 passes, ran for a score and did not throw an interception or lose a fumble.

He repeatedly picked on cornerback Corey Webster, who simply couldn't contain Smith or Anquan Boldin. Smith caught five passes for 88 yards and a touchdown, and Boldin finished with seven receptions for 93 yards.

Backup Bernard Pierce gained 123 yards as part of a running attack that generated 224 yards.

Baltimore's defense was also impressive despite missing injured linebackers Ray Lewis and Jameel McClain, along with safety Bernard Pollard.

New York fell out of a first-place tie in the NFC East. The Giants will need a win over Philadelphia next week and help from other teams to squeeze into the postseason.

"I feel badly for everyone in that locker room because they can't turn this thing around either," Coughlin said. "What has happened over the course of the last couple of weeks is very difficult to explain. We just don't look like a well-oiled machine offensively at all."

Said Manning: "We knew we had to play our best football at the end of the season to get into the playoffs, and we haven't done that. When you're not playing your best, teams can come out and embarrass you."

Baltimore's first drive ended with a 6-yard touchdown pass from Flacco to Smith after officials overturned a fumble by Jacoby Jones at the New York 5 following a replay review.

The 73-yard march featured a few new wrinkles from the Ravens, most notably an option pitch from Flacco to Rice. and third-string running back Anthony Allen's first catch of the season, a first-down grab at the New York 40.

After the Giants went three-and-out for a second straight time, Smith made an outstanding catch behind Webster for a 43-yard gain and Flacco scored from the 1.

Manning followed with a 43-yard completion to Rueben Randle before David Wilson ran 14 yards for a touchdown. New York didn't score again until Domenik Hixon caught a 13-yard touchdown pass with 3:18 left.

After racking up 52 points against New Orleans, the Giants have totaled 14 in the past two weeks.

"All we can do is go out and get back to playing better football," Manning said.

The Ravens went up 17-7 midway through the second quarter. After Boldin burned Webster for 39-yard gain on a third-and-19, a replay erased a 9-yard touchdown catch by Jones and forced Baltimore to settle for a field goal.

Late in the half, the Ravens moved 76 yards in seven plays for a 24-7 lead. Flacco went 5 for 5, including a 27-yard touchdown pass to Rice.

Baltimore opted for ball control in the second half, and the Giants were powerless to stop it. The Ravens moved 82 yards in 16 plays, holding the ball for just short of eight minutes, before Justin Tucker kicked a 20-yard field goal.

The lead became 30-7 when Tucker concluded a 13-play, 62-yard drive with a 30-yard field goal. Tucker added his fourth field goal after a 78-yard run by Pierce.

NOTES: Flacco has thrown for a career-high 3,783 yards this season. ... New York defensive linemen Marvin Austin and Chris Canty both left with knee injuries. ... Boldin hurt his shoulder in the third quarter and did not return. ... Baltimore has won 10 straight regular-season home finales and has 13 consecutive home victories over NFC foes. ... It was only the fifth time in 47 games that New York did not force a turnover.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Beware of high-flying 'Hawks

The Seattle Seahawks defeated the San Francisco 49ers 42-13 on Sunday night to clinch a playoff spot. It was the third-straight high-scoring victory for Seattle.

Source: http://nbcsports.msnbc.com/id/50286384/ns/sports-nfl/

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New Lake Tahoe plan to allow higher density development

Lake Tahoe towns will grow taller and denser under a new regional plan that supporters hope will quell a rebellion by Nevada against land use regulations that have restricted development in the basin.

The new plan is intended to rid the area of some of its midcentury strip development and turn town centers into more inviting, greener destinations that will revive the area's ailing economy.

But the success of the strategy is far from guaranteed. Some traditional environmental defenders of the lake ? one of the world's deepest and clearest ? endorsed the plan primarily to persuade Nevada to remain in a 1969 compact with California. The pact created the Tahoe Regional Planning Agency and set the framework for strict environmental controls in the basin, which straddles the two states.

"The plan does include a lot of positive elements, including community revitalization, redevelopment and bike paths," said Darcie Goodman Collins, executive director of the League to Save Lake Tahoe. "But these things may come at a price, which is taller and more dense development close to the lake."

The planning agency, which enforces the regional plan, has long been a target in the basin. Homeowners have complained that its regulations are onerous, and local officials have grumbled that it has too much authority.

The grousing reached a head last year when Nevada enacted legislation warning that it would pull out of the bi-state compact if California didn't make it easier to approve development.

"It was a sledgehammer," said Laurel Ames of the Tahoe Area Sierra Club. She condemned the new plan for handing the authority to grant permits back to local towns and clearing the way for more development in the scenic basin.

In the wake of Nevada's ultimatum, California and Nevada officials convened representatives from the two states, local government, business and conservation groups to work out a compromise. The result was the regional planning board's adoption earlier this month of an updated plan.

Much of the construction in the Tahoe basin took place before strong environmental controls were imposed. By the 1980s, more than half of the region's marshes and wetlands had been filled in or paved over. The world-famous clarity of the lake was declining by roughly a foot a year, diminished by sediment and pollutants washing into the lake from roads and urban areas.

Though the decline in lake clarity has slowed, today's clear depth, about 69 feet, is much shallower than the roughly 97 feet measured in 1967.

The path to recovery, officials say, lies in redevelopment with greener infrastructure that helps keep sediment, nitrogen and phosphorus out of the lake. And the way to get that, they decided, is to make new projects financially attractive to developers by allowing more density and height in the basin's town centers.

"Nobody wants Tahoe to become something it's not," said Leo Drozdoff, director of the Nevada Department of Conservation and Natural Resources. "But we would like smart, environmentally sensitive development that can pencil out, that people want to take part in."

The new planning blueprint, an overdue update of the 1987 regional plan, will allow more four-story buildings in town centers and more six-story buildings in what has been designated the regional center ? the area around the Highway 50 corridor in South Lake Tahoe.

The plan increases density limits in the centers and creates a new "resort recreation" zone for two areas, opening them to development: 250 acres next to the four high-rise hotel casinos in south Stateline, Nev., and 57 acres at the base of Heavenly Mountain Resort.

The update also expands an existing program of development rights that allows builders to transfer the rights from lots where older buildings in ecologically sensitive areas are razed, to new projects in town centers.

"The concept of this plan is against sprawl and to remove existing development from outlying areas and concentrate it in visitor centers," said Joanne Marchetta, executive director of the regional planning agency.

But will the strategy succeed?

"I think there are enough safeguards in the plan to protect the lake where things won't get worse," said Kyle Davis of the Nevada Conservation League. "Now, whether they'll get better" is uncertain, he added. "What we've designed may not work in terms of older development going away and cleaner and greener development in its place."

More projects will be required only to obtain local permits, escaping regional review, a change that Ames said did not bode well for the basin environment. "The local governments have not shown an interest in environmental protection measures," she said.

Local approvals can be appealed to the regional agency, and local plans will have to conform to regional standards. "This is not by any means unfettered," Marchetta said. "The locals want to protect the lake as much as [the Tahoe Regional Planning Agency] does?. I think we've come some distance in environmental sensibility and sensitivity over 40 or 50 years."

Nevada state Sen. John Lee, the Clark County Democrat who sponsored last year's law to withdraw from the compact, said his bill was intended to get California's attention. "They look over and see us as like a county. We had to let 'em know we were here and we're a valuable friend, that we weren't going to be continually dismissed," he said. "To their credit, they've been fantastic."

But the threat to pull out remains on the books. And Nevada officials have not signaled that they are ready to repeal it. "A lot of people want to take a wait and see approach," Drozdoff said.

bettina.boxall@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/UQkWQkPTZIA/la-me-lake-tahoe-20121225,0,755320.story

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Naughty And Nice Retailers of 2012 - Business Insider

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Source: http://www.businessinsider.com/naughty-and-nice-retailers-of-2012-2012-11

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