Business & Finance Posts

How Auto Repair Shops Phone Answering Can Impact Business

Auto Repair Customer Interaction

There is a very old saying that is as relevant today as when it was first uttered, that first impressions count. This is especially true within the auto repair business, where customers have long held the suspicion that your average auto shop is going to bill you for as much as they can, while not necessarily doing everything on the list. People who have a problem with their vehicle are quite likely to be stressed out about it, especially if it is needed to get to work, or deliver and collect the kids from school. What they are looking for when they call the auto shop is for a friendly, professional and helpful voice at the other end of the phone.

How Auto Repair Shops Phone Answering

The Major Problems Customers Experience

Every business has busy periods, and that is normally when the phones suddenly start to ring incessantly. This can seem to the workers be an annoying distraction, but each phone call  is a potential customer, who are after all, the very lifeline the business depends upon, and should be treated with courtesy and respect. People receiving a brusk reply, or trying to hold a conversation with someone in the workshop, where they cannot hear because of the noise in the background, will not be impressed. What is equally bad of course, is when no one picks up the phone, because very few people these days will leave a voice message and realistically expect a prompt return call, they are more likely to just ring the next number on their list.

Cars Break Down at Inconvenient Times

Maybe it is just coincidence, but cars have a wicked tendency to break down at the most inconvenient times and places, often outside of normal working hours. Such stranded potential customers want to talk to someone about booking it in repair right now. Having to wait until you open tomorrow is probably not going to work for them, and it certainly doesn’t work for you, because you just lost a customer. This is where utilising the services of a professional telephone answering service can give you a serious advantage. While you and all your competitors are closed, your calls are directed to staff, dedicated to your account, and thus able to answer with the same greeting as your shop provides during the day. With the questions and prepared answers your own staff use, and with the same people answering each time, their voices will soon become as familiar to them as your regular day time crew.

Better than the Real Thing

One of the major reasons why a call answering service is good for your business, is that the people responding to your potential customers are not mechanics, or panel beaters. They are trained professionals in customer service who understand exactly how to react to any customer interaction. They are probably far better at it than any of your normal staff, which means that the phone call to subsequent customer ratio is probably better than when you are actually open.

The costs for using such services is extremely affordable, far more so than employing someone to sit in your garage all night, every night. In fact, your day time staff would do well to take some tips in how to answer the phone properly from your answering service provider.

5 Tips to Finding a Lawyer

Living in a world that is moving at a fast pace, one thing is more certain than not; life is unpredictable. There are all sorts of scenarios that warrant judicial representation. It’s important to note that legal problems vary in magnitude and nature. Having said this, it brings us to the reason why lawyers have a certain area of specialization. And you don’t have to be in trouble to require legal representation or counsel. For instance, a law is important for consultation before making a huge decision in business or other kinds of investments. Of the bar settlements, and other types of agreements also require the presence of an attorney. But let’s be honest, finding the right one can be one giant of a challenging task. Whichever the reason you need advocacy for; here are 5 tips to finding a lawyer.

Tips to Finding a Lawyer

Look Up Online Website

There are tons of legal sites that provide legal aid referrals. These referral listings contain all the available law firms and lawyers depending on your location. Some of them also provide information about how much a particular lawyer charges, their profiles, experience, and other crucial details such as specialization. As easy as it may seem to find a lawyer online, it’s critical to expand your research further.

Get Recommendations

There are people with extensive professional networks. Always ask around. There might be someone in your close circle who may recommend or refer you to a lawyer they know or have worked with. As a matter of fact, a recommendation is one of the most common ways people find their lawyers.

Tips to Finding a Lawyer

Work With the State Departments

Government agencies and state justice departments have staff lawyers who are always on standby willing to help the public, but, in limited situations. They come at no charge whatsoever. You’ll, however, need to contact the relevant agency for such situations. Apart from legal representation, you may also benefit from the free guidance on local and other law related issues. You can find such agencies online, especially on state listing websites.

Public Interest Group

These are nonprofit organizations that have particular interests on civil liberties and other social interests such as housing and discrimination. Most such groups would be willing to help you locate a lawyer if the issue has to do with any of their interests. Some of them even have highly affordable staff lawyers. Some of them also provide legal counsel and assistance to groups and entities other than individual representation. You’ll find such groups in your local bar association.

Your Insurance Provider

In some cases, your insurance company can help you find a lawyer. A good example is when there are challenges when making compensation claims. Example situations may include compensation claims for auto accidents and occupational accidents. The insurance company finds a capable lawyer to represent you. However, insurance adjusters will only work on behalf of the insurance companies. If this happens to be the case, it’s important to consult with a personal injury lawyer. A place like https://desalvolaw.com/ can be a good place to start your search, especially when it comes to legal issues to do with auto accidents or you’re hurt in a CTA bus crash.

Also worth noting, it’s always important to interview a lawyer first before hiring them. Also, some lawyers charge for consultation visits. This makes it important to target law firms that offer free consultations, which can bring down your legal expenses. Be sure to choose a lawyer that is reliable, trustworthy, credible, and by all means very capable to represent you.

 

Choosing Course Dates that Work Best for Your Schedule

Every state in the U.S. has laws that regulate the real estate industry. People who want to work as professional real estate agents cannot lawfully do so until they obtain the proper credentials as mandated by the state in which they plan to practice.

However, when you are already busy with your current career, you may not have a lot of time to pursue new credentials, refresher materials, or a new Nevada real estate license. You can pick a time and day that works for you as well as courses that suit your professional goals by using the online information today.

Choosing Course Dates that Work Best for Your Schedule

Choosing Courses that You Need for Licensing

Like most states, Nevada expects its real estate agents to know everything there is to know about the real estate selling and buying market. You cannot competently help clients buy or sell property without knowing these basics.

However, there may be hundreds or thousands of things that you need to remember at any given time. Even if you have extensive notes and can remember some of the most important topics, you still need to go back from time to time to brush up on topics that you might have forgotten.

The website shows you what courses are available to new or experienced real estate agents like you. If you are a beginner, you may need to start with the most basic of classes to learn the ins and outs of the business. However, if you are an experienced agent, you might not need to retake the basics and instead focus on learning the more complex lessons that are required for keeping your license.

Choosing Course Dates that Work Best for Your Schedule

Time and Day that Work for You

As a busy professional, you might not have a lot of time in your hectic schedule to take classes. Even so, you cannot afford to let your license lapse. The website shows you on what days the materials are offered to you. You can also sign up for a time that works with your calendar, giving you the power to train within a time frame that works best for you.

Learning to become a real estate agent and maintaining your license requires you to take classes as needed. You can choose from among the many topics and find a day and time that suit you by using the online information about Nevada real estate.

How to Set Up the Ideal Home Office

Working from home may not be ideal for everyone, but it definitely has more benefits than drawbacks. One of the major benefits of working from home is the fact that you get to design your office to fit your needs. You may think that you don’t need an office, that if you’re working from home you can easily work in your bed still in your pajamas. But that’s a sure way to kill productivity.

If you work from home, setting up a home office is crucial. It can be an entire room or a quiet corner of your home, whichever you can afford to spare. You could transform that old guest room no one ever uses into an office or adapt the attic. It is important to have an area dedicated only to work. That will help modify your mindset and boost your productivity.

How to Set Up the Ideal Home Office

The key to designing the ideal home office is to maximize all available space, minimize distractions and just feel comfortable. In this article, we’ll give you a few tips on how to do that.

Choose the Right Desk

Your work desk is the most important item in your office. That said, you should not skimp when buying the desk. Look around local stores or online retailers like Shore Office Warehouse. What kind of desk appeals to you most? Do you prefer the traditional desk, a standing desk or an adaptable one that can do both?

Placing the desk is also extremely important. First of all, you should make sure that your back isn’t facing the door. Your back should be facing a wall and you should be able to see the entrance to the room so no one can surprise you when you work.

Ergonomically Adjust Your Workspace

Another key component to a productive office is comfort. That’s why you have to make sure you follow basic ergonomic rules when designing your office. First of all, make sure that your screen is placed at eye level or a bit below. This will help provide your eyes some rest and prevent fatigue. Make sure your forearms are parallel to the floor as you type. Make sure your feet are resting on the floor or on a footrest while you’re sitting at the desk. Find a comfortable chair that provides good support for your back. This is especially important for people who spend most of the day in a sitting position.

Let In Enough Natural Light

There’s nothing that could kill or boost your productivity faster than lighting. That is why you have to use the most out of the available natural light. Don’t place your workstation in a dark corner, but move the desk closer to the window and set it parallel to the panes. This will provide enough natural light without distracting your from work.

Add Artificial Lighting

That said, some rooms simply do not provide enough light if the windows are facing east or if the sun is obstructed by plants or buildings. In that case, don’t shy away from adding as much natural light as you need. Overhead lighting is generally not recommended for work. Instead, try getting a good table lamp which gives off a softer light and can also be a good decoration.

Draw a Line between Home and Work

When working from home this line is extremely thin, but if you plan on being productive you have to draw it clearly. Tell your family members that your home office is off limits, especially while you’re working, or it may lead to very unpleasant and unprofessional situations. Consider adding a separate phone number to your office so calls from relatives won’t disturb you in the middle of work.

Contact Shore Office Warehouse at 9530 Cabot Dr, San Diego, CA 92126; 858-271-8645 or browse their large selection of office desks at this link: https://www.shoreofficewarehouse.com/product-category/new/desks-new/

How to Know When You’re Getting Ripped Off

Do you feel businesses are taking advantage of you, trying to convince you to spend more than you intended? You are not alone. A recent survey showed 83 percent of women felt ripped off by mechanics. Here are some ways to protect yourself from overcharging.

 

Car Mechanics and Women

 

How to Know When You're Getting Ripped Off

 

Many women are hesitant when it comes to getting their car fixed. In fact, taking your car in for service ranks right up there with going to the dentist. But preparing yourself before going to the mechanic can help save you money.

Most women do not take the interest in cars the same way men do and as a result, they are not well versed in the way a car works. Take time to study your owner’s manual. Know when items need maintenance so when the mechanic says you need an oil change, you will know exactly when your car is due for that.

Over 45 percent of car owners admit to not keeping up with preventative maintenance. If you had a leak in your roof, would you wait until the roof caved in to fix it? By following the recommended timeline for maintenance, you will save yourself money in the long run. Learning to do some of the simple things yourself will also save you money.

Getting quotes from at least three local garages before you decide where to take your car can also lead to savings. Listen to your car as well. When talking to the mechanic, be descriptive about what you hear, what you smell, or what you see. Write it down if you need to. The more information you can offer means fewer labor charges from the mechanic as he searches for the problem.

Prepare Yourself Psychologically

Ripping someone off requires a person convincing you that you need to spend money that isn’t in your best interest. Many times, salespeople try to guilt you into buying unnecessary extended warranties. The clerk makes it seem you will regret it later if you don’t buy the warranty. You are told to buy this warranty now or risk a power surge damaging that new television. In this case, a good power cord protector makes better sense. Remember, extended warranties or product insurance plans are pure profit for the store so don’t be intimated into buying something you don’t need.

Do Your Research

An effective way to prevent yourself from an overcharge is to check out the company before you hire them. Ask friends or relatives if they are familiar with the business. Online reviews are an excellent way to find out a company’s reputation. Maintenance agreements can also save you costly repairs and have less fine print that extended warranties. These agreements call for a technician to come at regular intervals to check appliances or HVAC systems. By inspecting the equipment, a trained technician can show you a potential problem and take care of it before a complete breakdown occurs.

The best prevention against rip-offs is education. Know what you are talking about before speaking with a repair person and you will save money, time, and aggravation.

 

The Burden of Debt Arising because of Home Loan

The amount of money that is borrowed by one party from another is known as debt.  The money has to be repaid by the borrower within a specified date with interest.  A home loan is an agreement between a borrower and lender where the lender lends money to the borrower so that he can buy his property. The property is kept as security for the amount of money borrowed.  There are only a few people who can buy their house property without any financial aid. Let us discuss a few reasons for applying for a home advance.

burden of debt arising because of home loan

Different aspects of loan

Loans for homes can last for several numbers of years. It may exceed beyond ten years. You should apply for loans and make loans for repayment in an appropriate way.

  • Closure of advance by prepaying

You may go in for the closure of advance by prepaying the remaining portion of debt. You may be levied prepayment charges by the lender. It all depends on the terms of agreement.

  • Opt for one with prepayment facility

If you do not want to make that extra payment, then you should opt for a debt with prepayment facility. There are many companies which do not charge anything on the foreclosure of loan.

  • Capital appreciation

Investment in a real estate is a wise decision. In recent times, rents for homes and costs of construction are constantly rising. Now you may go in for a home debt by browsing online.

  • Take possession of your dream home

From the comforts of your home, you may make a well-informed decision. With an appropriate debt amount, you can finally be able to possess a house property of your dreams.

Hburden of debt arising because of home loan

Entitlement to Tax benefits

You will be entitled to certain tax benefits and can save to a considerable degree by taking a home debt. You can also claim tax deductions on the interest portion of loan. Deductions are also available for the processing fee. Visit here to learn more about it.

Rates of interest depending upon your requirements

There may be a fixed interest rate or floating interest rate associated with the home debt. A fixed interest rate is set at a certain amount and remains the same till the completion of payment of loan. A floating rate of interest fluctuates with the conditions of the market. You should opt in for a fixed or fluctuating rate depending upon your requirements.

Decision of taking a loan or not   

Taking a loan on home is a huge investment decision. It is a long term plan. Most of the people make home loans for a period which may extend up to thirty years. Many of them go in for floating interest rates. It is not a wise idea to make such a major decision solely by rate of interest. Twenty years or thirty years tenure is a long-term matter, and it is impossible to predict the outcome as the rates will be subject to changes. Once you decide to opt for a home loan, you should start your search for an appropriate lender who can offer the best terms after examining your eligibility criteria.

 

 

Assess the Amount of Home Equity you would Require for Debt Consolidation

Homeowners from every nook and corner are taking up debt consolidation for turning out loans for home ownership. Compared to other lines of credit they carry lesser rates of interest. Once you secure a loan for the home equity, you may also aid your finance for expenses and life events that are unexpected. Having equity in homes, you become qualified to use the home equity to integrate debts and to pay lower rates of interest. The rates of interest can be paid on a monthly basis. When you develop the interest to use home equity loans for the integration of debts, here are a few steps you must take before you commence.

Do Apprehend

The prime step towards home loan equity is the understanding of how debt integration mixes with your financial obligations. Debt integration loan may often be used for credit card payments, miscellaneous debts and auto loans. These loans can be consolidated into a single monthly payment with a low fixed rate of interest if you desire. However, there are times when despite your low monthly payments you end up paying more interest over the loan life. This can be an incidence if the term of the loan is longer. Therefore understand the whole process of home loans equity, better for prescribed payments.

Do Congregate

If you want to qualify the criterions for home loans equity, you ought to have enough ownership because you will have to borrow against the home value. Before starting to contact the money creditors, you must muster all loans, bills and latest statements you wish to consolidate. Once this step is done, you will be curious to know about the amount you owe.  You will also want to enquire about the annualised percentage rate you are paying currently and whether there are more payments you are making than the minimum amount per month. There are a few bills and statements that are suggested to be considered too.

Enumerate and scrutinise

After having compiled all the valid statements and information check online for the debt integration calculator. Figure out the total debt amount that needs to be paid off and your possible savings amount with debt integration. The calculator of debt consolidation is a free tool to help people enumerate the amount they need for consolidating their debts. Despite being very helpful, they cannot replace a financial planner. Finally, conduct your research or scrutiny to make out if the home loan equity that is secured is the perfect choice for your situation.

You must contemplate

Once you have done the final decision of utilising the home loan equity for debt integration, you must always consider the implications of it. You must arm yourself with enough knowledge to make a choice whether consolidation of debts can improve your situation financially. The next step is to contemplate your options for the kind of debt integration you would need or require. After having made considerations if you see you have enough home equity and are seeking for a lower loan interest then home loan equity for debt integration can be the perfect choice for you.

People struggling with credit card debt issues are suggested to check out for credit card debt relief so that you can make things easy for yourself and have a happy and stress-free life. Getting rid of debts and having a debt free life is a dream of everyone and if you plan well you can surely acquire the same.

Importance Of DTI Ratio While Working On Home Mortgage Loans

It does not matter whether you are ready for the mortgage qualification or not, but debt to income ratio always matters a lot. The income’s percentage, which goes for paying the mortgage debts, can always help lenders to figure out bit monthly mortgage payment, which you are able to handle. It is quite important just like your credit score and also like job stability. Lenders make it a point to work extra hard and calculate the said debt to income ratio. For that, they are going to divide monthly debt obligations from gross, income or pretax. Majority of them look for 36% or less than that, however, there are some exceptions available in the market.

Importance Of DTI Ratio While Working On Home Mortgage Loans

Checking on the ratio

The ratio is basically known as DTI in the mortgage industry. It helps in answering the amount, which you can afford for the house. It becomes a great guide for all the mortgage lenders out there, who are willing to find out the amount they can borrow. But, remember that DTI is not the full story as it has some more to it. It helps in leaving out some unavoidable monthly expenses, like utilities, food, health insurance and definitely transportation costs, among other variations. It is mandatory to keep these in mind as you are able to evaluate ability to buy a home.

Importance Of DTI Ratio

How DTI can work?

When it comes to ratio, there are practically two types relating to DTI. The first one is defined as front end ratio, which is also known as household ratio. This is basically the dollar amount relating to expenses of your home. Some examples are property tax, proposed form of monthly mortgage, homeowner’s association fees and even insurance ones. These are collaborated together and finally divided by the gross income on monthly basis. You can visit here to get some more ideas on it.

The second ratio type

Other than the front end ratio, you have back end ratio as another important option under house mortgage industry. This comprises of all forms of debts, which you need to pay on monthly basis. Some examples are student loans, credit cards, car loans and even personal loans. This is added with the proposed expenses of other household. These back end ones are a bit higher and would like to take into account some of the reliable monthly debt related obligations around here. The more you get to know about it, the better options you are about to come across for sure.

The areas matter the most

Mortgage lenders ensure to check both the types of DTI ratios, before working on the home mortgage process. But if you had to compare between front end and back end options, the latter forms major services now. It helps in taking the entire debt load into proper account. Lenders always make it a point to focus more on back end ratio for some conventional mortgages, along with loans, which are offered by online mortgage lenders or banks and not by any government programs. Get to the core of the values, before it gets too late.

6 Mistakes to Avoid When Hiring an HVAC Company

Is your HVAC unit in need of repair? If you’re looking for a company to fix it for you, it’s important to remember that, unfortunately, not all of them are reputable. These companies can do more harm than good, so you should hire the right one for the job. Dishonest companies will try to push unnecessary services like monthly maintenance plans that don’t cover anything or come up with mysterious charges once the job is done.

Sometimes they’re not even real businesses, and if they happen to be uninsured, any damages to your equipment won’t be covered. Learn about the six mistakes to avoid when hiring an HVAC company.

Not Get Everything in Writing

Signing Paperwork

Image via Flickr by danielmoyle

It’s not uncommon for dishonest businesses to add unexpected charges to your bill, take longer than usual, or use more expensive components than previously agreed. Instead of entering into a verbal agreement, have a written contract with the company discussing the length of the project and any materials that will be used.

Not Checking If the Company Is Real

Even in this day and age, there are fraudulent companies that slip through fiscalization and work with no licenses. They pretend to be real businesses and perform services that they don’t have permission to do. Check your local organization to make sure the company is licensed.

Ignoring Customer Reviews

If a friend of yours had a horrible experience with a company, you’d think twice before hiring them, right? You should check all the reviews before contacting a business to repair your cooling and heating equipment. If there are too many bad reviews, it’s a sign you should avoid the company.

Buying an Unnecessary Monthly Maintenance Plan

You don’t need a monthly maintenance plan for your HVAC unit. Reputable companies will check your equipment once a year or when a serious issue takes place. They want to ensure your unit is working efficiently (therefore reducing your energy bill) and most of the time will offer a one-year warranty to guarantee you’re satisfied.

Hiring a Company With No Insurance

Imagine hiring a company for a regular check up, and they end up breaking your HVAC equipment? If the company is uninsured, you’re unlikely to receive any compensation unless you take them to court. If you’d like to avoid a massive headache, insist on checking whether they carry any insurance.

Not Comparing Rates With Other Companies

Unless you live in a small town, there are likely to be a few companies offering HVAC maintenance services. You should research other businesses and check their prices before hiring any services. You can save a lot of money by avoiding a company which would otherwise overcharge you.

At the end of the day, heating and cooling equipment is expensive and needs to be properly cared for. In the same way you wouldn’t lend your car to an inexperienced driver, it’s essential to leave your HVAC unit in professional hands. Just remember to check the companies thoroughly, so you don’t end up hiring a bogus business.

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