Wednesday, June 30, 2010

Five Service Quality Characteristics that Please ANY Customers. Discover Desired Qualities Of Service Providers

Desired Qualities Of Service Providers
In the Judeo-Christian tradition, the concept of kindness to strangers traces back to the Israelites’ days of slavery in Egypt. In the Torah, the following is written:
When a stranger sojourns with you in your land, you will do him no wrong. The stranger who sojourns with you should be to you as a native among you, and you should love him as yourself; for you were strangers in the land of Israel. (Leviticus 19:33–34)
Early Christians believed that what separated the “sheep” from the “goats” on Judgment Day was whether they “took strangers in” (Matthew 25). Early Christians built houses that served as lodging (where food was served) for travelers and other strangers. Eventually, they added sections to these houses where sick travelers could stay to get care and treatment for infectious diseases. After many centuries, these houses for strangers were renamed “hospitals”—from the Latin hospitas, meaning “guest” or “host.” Only much later did hospitals come to specialize in caring for the sick and injured (Willis 2000).

Today’s consumers are looking for the same type of hospitality from their providers. Organizations must have functional service quality characteristics—attributes of caregivers that please (and are easily evaluated by) consumers. Research has identified the five most important service quality characteristics (Mittal and Lassar 1998; Parasuraman, Zeithaml, and Berry 1988):
?    Responsiveness: willingness to help and provide services
?    Assurance: knowledge and courtesy of staff
?    Empathy: caring and individualized attention
?    Tangibles: availability of equipment and appearance of physical environment
?    Reliability: ability to perform the promised service dependably and accurately

Possessing these characteristics sets the stage for a superb guest experience and turns customers into loyal patrons or repeat guests. Treating customers as guests may seem simple, but it is a major undertaking that organizations must master to compete successfully in a customer-driven marketplace (Ford, Heaton, and Brown 2001).


Friday, June 25, 2010

Drug and Alcohol Treatment & Rehabilitation Program with a high success rate

Many young people fall into the trap of drug or alcohol addiction that promise short-term ecstacy/bliss feeling, but bring long-term dependency and struggle. Addiction is difficult to overcome because it keeps the addict caught up in an never ending cycle of abuse to the drug. when the addict is put into the correct drug or alcohol rehabilitation treatment, the cycle of addiction can be broken and restore the individual back to their normal self. Drug addiction (heroin, marijuana, amphetamine, Ecstasy, ketamine, etc) is more dangerous than alcohol addiction because drug residues can become stored in the body and slowly released over time, causing physical reactions or cravings to use more drugs. If you or someone you love is suffering from chemical dependence or any other addiction, you often ask this important question is : what is the most effective drug or alcohol rehabilitation program? Comprehensive drug or alcohol rehabilitation program often cover Sauna Based, Drug-Free Detox Program, Educational Therapies and Follow-Up Program. It is important to find a program that treat addiction in it's entirety in order to achieve complete, long term recovery for addict. Drug treatment can help the addict to overcome their addiction, regain real hope of a future without drugs, promote a healthier, sober way of living, rebuild their lives, and successfully return to society as a productive member.

If you live in California, Axis Residential Treatment offer drug rehab programs for drug and alcohol addiction. Axis Residential Treatment uses a unique combination of 12-Step therapy with individualized treatment plans to address the whole person, both mentally and physically. Their state-of-the-art Los Angeles drug and alcohol rehab facility is equipped with high-end retreat amenities with compassionate staff and doctors committed to helping addicts become free from their chemical dependency with high success rate. So, discover complete drug rehabilitation with a high success rate with Axis Residential Treatment.


Wednesday, June 23, 2010

Five Things Your Creditor Can Do Against You. Lawsuit. Judgment against you. Seizing property and the exemption form. Judgment lien. Foreclosure.

Steps the Creditor Can Take
One of the first things business suppliers do when you stop paying them is to stop supplying products, or put you on cash on delivery (COD), which can badly hamper businesses that depend on credit from suppliers. However, there are many businesses
not affected by this type of pressure, such as freight haulers, doctors, lawyers, carpenters, service providers, etc. Their normal mode of operation is to pay for supplies at the time they receive them. If these types of businesses have outstanding debt not being paid, then reasonable phone calls from lenders or suppliers who need their money to stay in business are allowed.

When creditors give up on calling you, the next step is a lawsuit. Suing you is not an abusive collection method. You owe the money to the creditor, and the creditor has the right to go to court to try to collect it from you.
People are often thrown into a panic when they first hear about a lawsuit. Some creditors will describe a lawsuit in such a way as to make people think they will be put in jail. They will say things like, "I'll send the sheriff out with papers."
As noted earlier, you cannot be put in jail for a civil debt. The normal way to serve lawsuit papers is to have a sheriff or other process server deliver them. Sometimes they are simply mailed to you, but many states require notice of a lawsuit to be personally served (given to the person being sued in person). Service by sheriff is a favored threat of creditors since it upsets people, and people fear the vision of having a law officer come to where they work or live and serve papers on them in front of their coworkers or neighbors.
When the papers are served, they often say that you must answer within so many days, usually thirty. You will not get arrested if you do not give the court an answer or go to court. It is only criminal court where you can be arrested for not
appearing in court. Debt collection lawsuits are civil suits. However, if you are not there to argue your case and the other side can show you owe them the money they say you do, the court will usually issue a judgment against you. So, while you are not required to go to court, it is not a bad idea to check with a lawyer to see if you have any defenses against the lawsuit. At the same time, you can get detailed information on what collection actions the creditor can legally take against you after it has obtained its court judgment. The following is a general overview of collection actions that can occur.

Judgment against you
A judgment against you may have very little effect, or it can be a disaster. The collection process after a lawsuit or foreclosure hearing is the danger point for any debtor.
Creditors are allowed to take certain steps to collect a judgment, and now they have a court order on their side. In cases of secured property, the court will direct that the property be turned over to the creditor, if the creditor has not been able to pick it up on its own.

Seizing property and the exemption form
Another step is to have a sheriff take the debtors' other property to collect the judgment. Normally this involves first sending notice to the debtors that they have the right to protect certain assets if they are listed on a form turned in to the court within a limited number of days. Since the form is often a bit complicated, and since ignoring the creditor has worked in the past, some people do not fill out the form. This is a serious mistake. If the form is not filled out, the creditor can seize any property the debtor owns, often including his or her home. A favorite target when the debtor does not fill out this exemption form is the debtor's car. This puts maximum pressure on the debtor as he or she usually needs the car to get to work, and there is a ready market for used cars.
The form normally has different types of property that can be protected. Depending on the state, this protected property area may be sufficiently generous that the creditor cannot seize any property. Should this be the case the debtor is said to be judgment proof.
If your property in a given category is worth more than can be protected, which is often the case for business owners, the creditor can send a sheriff out to pick it up and sell it. At these sales, the property is often sold for far less than it is actually worth. This amount is subtracted from the amount owed and the debtor is still responsible for the remaining debt.

Judgment lien
There is another way a judgment can harm a debtor. The judgment becomes a judgment lien against land and homes, which means that when the property is sold, the money owed must be paid to the creditor. Land, other than a person's home, can often be taken at once. (It is harder to make a general statement about a person's home. It may be protected or not depending on the state one lives in.)
Because of this fact, creditors oftentimes do not bother with trying to take personal assets, but instead merely wait for the debtor to sell his or her home. They know that almost all buyers will require any judgment lien to be paid off as part of the purchase of the land or home.

Another legal process that may come into play is foreclosure (forced sale of a home by a lender). It is common for business owners to let home payments slide while they devote all their time and money to keeping the business going. Foreclosure is
threatened more often than it is done because creditors know it will upset the home owner. Creditors do not really want your home if there is a good chance they can get the money owed them in a reasonable, timely way. Creditors, however, will often
be demanding about house payments because they know they have such a powerful weapon to use against you.
The foreclosure process works as follows.
 First you are served a notice of a legal hearing. This gives you the chance to offer any legal defense you may have.
Having an illness or other problems is not a legal defense. You should see a lawyer to discuss any defenses you might have in your individual case.
 Once the foreclosure hearing has been held, the property is advertised for a foreclosure sale. Since these advertisements are designed to inform as many people as possible about the availability of the property, they can be quite embarrassing.
 On the sale day, the property is auctioned off to the highest bidder. This is often done in an obscure part of the local courthouse. After the sale is done, there is often a limited amount of time for an upset bid. At the end of the process, your home is no longer yours and you must move out.
Bankruptcy is a powerful tool to stop a foreclosure. You may not qualify, but rather than lose your home, you should investigate the possibility.


Tuesday, June 8, 2010

Stock Market Analysis Styles - Fundamental Analysis and Technical Analysis

Styles of Market Analysis
There are several methods used by investors and professional money managers to construct their investment portfolios. It is also fair to say that most people do not employ one method exclusively, preferring to get a check from another discipline to verify their conclusions. The secret is to find where one's own style and comfort level.

Fundamental analysis
The study of earnings, revenues, business pipelines and strategies—is the predominant method used to analyse stocks. The theory is that the analyst can find a valuation for the company and thereby determine if the shares are under- or overvalued. From there, the buy, sell or hold recommendation is made.
Some may also group economic and quantitative analysis together with fundamental analysis. In both economic and fundamental analysis there is a large degree of forecasting of the data used to create the stock forecast. In other words, next year's earnings and the current quarter's economic report are both best guesses. How many times do we see an economic report revised later—well after any investment decision based on it has been made?

Technical analysis
It focuses on how stock prices are moving and how powerful those moves are. By analysing these two simple data sets—price and volume—it creates derivative measures, such as momentum, and all of it is used to ultimately measure supply and demand.

These are the forces that really move markets and not analyst estimates or government reports. If nobody demands what is being supplied, no matter how great the fundamentals look, then prices are not going to go up.
Supply and demand. These are the forces that really move markets and not analyst estimates or government reports.
These are not mysterious concepts and certainly not what some paint technical analysis to be. All we want to do is figure out where the market is going, hop on board for the ride and then hopefully recognize when the market is changing its mind in time for us to hop back off.

What does technical analysis do for me?
The answer is that the ability to recognize when a stock has reached a support or resistance level, or a shift in perceptions takes place, can help investors know whether to use the:
 buy low, sell high approach, or
 buy high, sell higher approach, or
 whether to buy the stock at all.
The ability to apply this one aspect of chart reading will reveal the market to investors with the same impact as understanding the colours of a traffic light. Once you know that green means go and red means stop, you will know when it is safe to buy or not.

In recent years, two related fields—behavioural analysis and socionomics—have gained followings. Both analyse market action with quantifiable actions of people and add great insights.
 Behavioural finance studies how people act when money is at stake.
 Socionomics looks at the social mood in society and relates it back to what the stock market is doing.


Wednesday, June 2, 2010

May 2010 - Top 10 Entrecard Droppers

I like to thank to all droppers for their continued support.
My special appreciation for the following Top 10 Droppers for May 2010:

Learning How To Make Money Online
My Linux Today
Communication Exchange
Dave Lucas
The Ad Master
Electricians notes
Winesworld's blog
Life With Roxxymetal
The Modern Mom
Life's sweets and spices


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