Search
Related Links

 

 

Informative Articles

Buying a Business? Think Due Diligence
Congratulations. You have just decided to purchase a business, merge with another company or invest in a someone else's company. Exciting, isn't it? You have probably been busy learning the business, talking to the seller about the...
Distance Learning Online
People are busier than ever, but still have the desire to improve their lifestyle with a better job. Many times the only way to get a better job is to begin or continue with education in order to learn essential skills and often a degree in order to...
HomelandDefenseStocks.com Updates Homeland Security Public and Private Featured Companies, New Content and Online Investor Schedule for 2005
HomelandDefenseStocks.com Updates Homeland Security Public and Private Featured Companies, New Content and Online Investor Schedule for 2005 POINT ROBERTS, Wash.; January 5, 2005 - www.HomelandDefenseStocks.com (HDS), an investor news portal...
Motorola: Corporate Summary
Motorola is a global communications company based in a suburb of Chicago, Illinois. Originally founded as a maker of car radios in 1928, the company has gradually evolved over the decades, and become one of the world's leading manufacturers of...
Planning for Emergencies in Your Cleaning Business
On an average day your staff will go to work and the time will pass routinely, without incident. But unexpected events can happen. Whether the incident is life threatening, a small spill, or the building loses electricity, you need to make sure...
 
Client Service as a Competitive Advantage

*My name is Susan Young and I am Doug Brown's publicist. If you have any questions, please feel free to call me at 732-613-4790.* (Do not include this in this article)

As someone who has been heavily involved facilitating strategic planning processes with organizations during the last 15+ years, I often find it somewhat amusing how people answer the questions I pose.

For example, if I ask people, “What is your unique differentiation in the marketplace?” or “What does your organization really excel at?” They will almost always reply, “It has to be our client service.” Almost no one will admit to being “lousy” in client service, any more than they will talk about living in an average town with average kids. Instead I see the “Lake Woebegone Syndrome.” In Lake Woebegone it seems all the women are pretty, all the men are handsome, and all the kids are well above average.

If while getting to know someone’s agency or company, I ask the question, “If I hauled you into a court of law and accused you of being a ‘world class’ client service provider, would there be enough evidence to convict you?” Many times, unfortunately, their answer is, “Probably not.”

Therefore, if so many people think client service and satisfaction is so critical to the success of the vision and the execution of the strategic plan, why is it not usually monitored with the same intensity as the financials? After all, financials are a lagging indicator (telling what happened after the fact) while client satisfaction may be a leading indicator (it can be predicting what may happen in the future).

Many organizations go through all sorts of trial and error and purchase various software programs to keep their finger on the pulse of dollars and cents because they want to know where they are and minimize opportunity for loss. For years it has been known that “what gets measured gets done.”

If that is the case, why is it that many organizations choose to almost ignore measuring client satisfaction? By doing so, they run the risk of losing established clients to the competition.

Client Service as Overarching Philosophy
In 1960, Professor Theodore Leavitt wrote the groundbreaking article, “Marketing Myopia,” in the Harvard Business Review. To paraphrase, he basically concluded that the purpose of all business is to attract and maintain customers while generating adequate profitability today and improved profitability in the future. That balancing act still holds true today. How many organizations do you know that are masters at bringing business in the front door only to lose it out the back door just as quickly? We have also dealt with organizations that service their existing business so well that the owners and principals “never get around to developing new business.”

Those organizations and agencies that see customer or client service as simply a department to be managed rather than a point of strategic differentiation may be looking at the business through the lens of short-term focus. So many people that we talk with have never calculated the lifetime value of a typical insured and even those that have usually aren’t communicating that number to their staff at every level of the organization on a regular basis. Knowing that number can provide a framework to make decisions for the long haul and maintain the client relationship rather than looking at it from a “transactional” basis.

To calculate the lifetime value, take the number of years that a client/insured usually stays with the agency multiplied by the estimated net profit per line of business (auto, P&C, E&O, DB, etc). The total dollars can give you some idea of what is at risk in the future if you under serve your client base.

For example, if a typical insured stays with your agency 15 years and has 3 different policies with you each generating $200/year in profit, each new insured is worth approximately $9000 going forward (15yrs x $200/policy x 3 policies = $9000) if they are treated so well that they won’t even consider moving to someone else. Now ask yourself, how cavalierly would you treat a check written to your agency for $9000? Would you do the equivalent of going into your back yard, digging a hole, burying it there and walking away from it forever? In essence that is what happens when clients are taken for granted. The cause can either be by default ie.


not paying attention, understaffing by design, allowing a lack of systemic follow-up and follow-through, or it can be attributed to a management team with so strong a focus on short-term results that they become almost greedy.
Does your organization have a client service strategy?
If you examine your strategic plan, it’s necessary to differentiate the agency strategy and plan from the client service strategy. They are not identical. Organizations need to implement a “Client Bill of Rights.”

Leaders in organizations need to ask themselves if they are willing to pay the price for excellent client service vs. good client service. Excellence costs, but it also pays off. Being even a little better than the competitor pays huge dividends. Yet many organizations are not willing to pay that price. Instead they are content with processes, technology and staff who are “good enough.”

As mentioned before, “what gets measured, gets done.” Client expectation measurements are important as are ways to monitor them. It is necessary for organizations to take the time to discover why a client has signed on with you and not the competition. It’s also necessary to determine what they really want to have happen as part of the client experience. It is then up to you to make sure you are delivering what your client wants. Failure to do so most likely will result in the loss of that client to your competitor.

Once you determine what it is your client really desires, make sure you match those expectations in terms of pricing and service. Make sure you are not trying to sell a champagne policy to someone with a beer budget and vice versa. It’s necessary to have processes in place to support excellent client service from beginning to end. That is, do you have the right amount of staffing resources to meet their needs? Make it as easy as possible for them to conduct business with you.

While having the proper talent is vital to ensuring excellence in client service, it is also known that 94% of failings are the result of process/system failures and not people failures.

My car recently broke down. While it was being towed to the dealer, the towing company damaged another part of the car. The dealer was willing to go ahead and fix the damage, but the towing company wanted the damage they caused handled by their insurance carrier. They had a local agent connected to an insurance company in Arizona. The problem was that the local agent did not have the necessary claim number or phone number for the agent handling the claim in Arizona. Therefore, the dealer, who was willing and able to fix the car, didn’t have the information they needed to work with the towing company. As a result, repairs that could have been completed in 48 hours took four to six weeks.

The problem was that no one owned the entire client experience, each company only owned a piece of it. Anytime there is an opportunity for a hand-off where something can go wrong, organizations often rely on the client, who has no knowledge of the situation, to be able to handle the details. It is vital for organizations to own the entire client experience.

Of course, no matter what the situation is, things don’t always go smoothly. Problems arise, that’s why organizations should make sure they have a process in place for “service recovery.” That is, if something goes wrong suddenly, they should be able to recover with minimal damage.

Finally, organizations should make sure their policies protect the right people. Often, they have policies in place that protect themselves against the 1% of clients who abuse the system. This makes the other 99% of their clients who play by the rules pay the price. Many organizations, unfortunately, don’t look at what they are doing through the eyes of the customers. Rather, they only are looking to protect themselves.

Excellent customer service demands a price. Are you willing to pay it?

About the Author

Doug Brown is the CEO and Chairman of Paradigm Associates LLC, a strategic and executive leadership development firm based in Cranford, NJ. He combines an innovative thinking style with his conversational questioning ability to help organizations recognize and breakthrough their existing paradigms. Brown is a Certified Facilitator for the Total Quality Institute (TQI). Visit www.ParadigmAssociates.US or call (908) 276-4547.

 

Compare Cell Phones & Service - Cingular, Sprint, T-Mobile ...
Research, compare, and buy cellular phones and services.
www.letstalk.com
 
Free T-Mobile Cell Phones and Other Wireless Deals
Save on T-Mobile cell phones and plans. Compare deals to TMobile.com. 1-year T-Mobile plans available with popular phones. Or pick another wireless carrier.
www.a1wireless.com
 
mobilecellphone.com
www.mobilecellphone.com/ - 2k - Cached - Similar pages
 
Mobile Cell Phone Rental in Japan :: RentafoneJapan
This page contains information on mobile cell phone rental in Japan and Korea - Japanese, Korea, and International GSM mobile cellular phone and mobile ...
www.japanvisitor.com
 
Communications - Mobile-Cell-Phone Ezine Articles
EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites.
ezinearticles.com
 
Cell Phones and Service from Virgin Mobile
Cellular Phones and Service from Virgin Mobile. Ringtones & downloads for your mobile phones, as well as cell phone accessories, prepaid cell phones, ...
www.virginmobileusa.com
 
Mobile / Cell Phone Is Linked To Cancer, you need protection from ...
Test your exposure levels to mobile / cell phone radiation and check if it's safe to carry a mobile phone!
www.radar3.com
 
Repair4MobilePhone: Do-It-Yourself Mobile (Cellular) Phone ...
Repair4MobilePhone: Do-It-Yourself Mobile (Cell) Phone Upgrading, Modding and Repairing · site map · search · Mobile (Cell) Phones | IrDA | BlueTooth ...
repair4mobilephone.org
 
YouTube - New Apple iChat Mobile Cell phone
New Apple iChat Mobile Cell phone 00:25. From: foxymcfox Views: 90457. << Now Playing ... New Apple iChat Mobile Cell phone *FAKE* 00:33. From: foxymcfox ...
www.youtube.com
 
YouTube - New Apple iChat Mobile Cell phone *FAKE*
... turned off or an old version of Macromedia's Flash Player. Get the latest flash player. This is a video response to New Apple iChat Mobile Cell phone ...
www.youtube.com
 
Java Mobile Cell Phone Games - A220 Mission 1
An arcade style shoot em up game , Java Midlet for your Mobile / Cell Phone. Fly through mountains and cave systems eliminating multiple enemies before ...
www.jpowered.com
 
Java Mobile Cell Phone Games - Alien War
Alien War is an arcade style game , Java Midlet for your Mobile / Cell Phone. JPowered is a leading provider of Java Mobile Cell Phone Games.
www.jpowered.com
 
Communications - Mobile Cell Phone
Mobile Cell Phone Tips. Broadband-Internet, GPS, Mobile-Cell-Phone, Telecommunications, Satellite-TV, Satellite-Radio, VOIP, Video-Conferencing » View ...
communications.smartads.info
 
Free mobile, cell phone and text news alerts - Philadelphia ...
Set up free mobile, cell phone alerts to stay connected with the news. Receive text message alerts when news happens on the WCAU Philadelphia, PA website.
www.nbc10.com
 
Buying a Virgin Mobile Cell Phone? Want $10 free airtime?
I have some Kickback codes that I will e-mail you if you want that will give you $10 Extra in airtime when you activate your Virgin Mobile Cell phone. ...
www.topix.net
 
Skype from Mobile Cell Phone
Skype from Mobile Cell Phone,cell phone,cellular,mobile phone,skype,Skype as we already know is one of the most popular VoIP applications.
blog.tmcnet.com
 
Yahoo! Answers - can you use a t-mobile cell phone with verizon ...
3 answers - i want to get a t-mobile phone and use m verizon sim card. is that possible? if not can i use the t-mobile phone with a verizon plan?
answers.yahoo.com
 
Compare Prices on Samsung X210 Mobile Cell Phone - ShopFerret ...
Use ShopFerret to find the best stores and lowest prices for the Samsung X210 Mobile Cell Phone.
www.shopferret.com.au
 
eBay: Custom Mobile Cell Phone Pay Per Click Website +Adsense ...
Find Custom Mobile Cell Phone Pay Per Click Website +Adsense in the Business Industrial , Other Industries , Websites Businesses for Sale , Internet ...
cgi.ebay.com
 
Tmobile
Review Cell Phone: pad Samsung Trace T519 T-Mobile Cell Phone ... Paper Thin T-Mobile Cell Phone with 1.3 meagpizel camera and MP3 Player. ...
www.1800mobiles.com
 
 

 
Content Menu
  • 100 creative ways to market your business offline

  • 100 successful management the ten winning behaviours

  • 10 activities for better marketing

  • 10 benefits of b to b email marketing

  • 10 critical questions to ask before hiring a consultant

  • 10 items you need for your 2005 tax return

  • 10 part time businesses you can start today

  • 10 profit boosting tips to increase the success of your affiliate program

  • 10 reasons to start a home business

  • 10 steps to promote your small business

  • 10 things i learned about marketing this week and how you can use them for success

  • 10 time saving calendar and scheduling tips

  • 10 tips for avoiding home business scams

  • 10 tips for growing your business

  • 10 tips for proper behavior when cleaning around tenants

  • 10 top tips for networking

  • 10 traits of a good team member

  • 10 ways for entrepreneurs to find more time

  • 10 ways to help you plan your home office for productivity and comfort

  • 10 ways to protect your financial identity being used for someone elses shopping spree

  • 12 reasons to follow up with your clients customers and colleagues

  • 12 steps to creating a business online

  • 14 top lead generation tactics

  • 14 ways to double your profits now

  • 15 construction loan inside secrets to building your new home

  • 15 ways average person can overcome increasing and overwhelming debt

  • 16 4 apr 5 000 auto loanhelp

  • 2005 tax time tune up

  • 22 tips to become wealthy fast

  • 30 tips for keeping meeting expenses to a minimum

  • 35 surefire ways to kill a meeting

  • 3 business survival tips to keep your businesss lights on

  • 3 facts you need to know about passive income super highway

  • 3 keys to building a winning customer service strategy

  • 3 reasons why you better know your customers or else

  • 3 ways to do more with less time

  • 50 surefire business card tips

  • 5 instant income streams that no one knows about

  • 5 reasons your business should switch to voip

  • 5 simple tips for getting out of debt in 2006

  • 5 things to know before going wireless with voip

  • 5 tips for maximizing your wireless phone savings

  • 5 tips to choosing your products carefully

  • 5 ways poor credit scores costs you extra money

  • 6 easy steps to separating your personal life from your business

  • 70 million people will be doing this by the end of 2005

  • 7 cash flow secrets your accountant never told you

  • 7 cost cutting tips

  • 7 keys to internet business success

  • 7 questions to ask a potential internet merchant account provider

  • 7 reasons to choose a mortgage broker over on line lenders

  • 7 simple cost cutting ideas

  • 7 strategies for handling last minute meetings

  • 7 ways to keep your team motivated

  • 8 quick ways to reduce local phone service charges

  • 8 reasons all non profits need a web site

  • 8 solid reasons all non profits need a web site

  • 8 steps that can help you protect your personal identity and financial information from fraud

  • 8 tips for setting up a joint venture

  • 9 tips to help you write more powerful emails

  • about credit scores

  • accepting checks in your business virtually risk free

  • achievers interview with joe rossini

  • achieving world class customer satisfaction

  • advertising ideas for office cleaning business

  • advertising vs pr in your small business marketing strategy

  • affiliate marketing is too expensive

  • affiliate marketing ten excellent reasons why you should do it

  • agility sustainability

  • alcatel db211 lcd ote lcd ot511 lcd

  • alcatel ot221 data cable

  • alice in credit card land

  • all about stock market

  • all the comforts of home or home office

  • all you need to know about restaurant interview

  • alvin donovan five secrets of millionaires

  • an artists guide to starting a home business

  • an internet success

  • an internet success story

  • are cellular phones just a fashion accessory

  • are cell phones reliable

  • are employees costing your company a small fortune

  • are hidden flaws in your business preventing your success

  • are you an innocent victim of these popular myths

  • are you a green thumb leader

  • are you getting the best deal on auto insurance

  • are you mentor material

  • are you overpaying on your home insurance policy

  • are you ready

  • are you ready to go international

  • are you ready to own and operate a business

  • are you using s to your advantage

  • ask for the business

  • asset protection can you bank on your haven

  • at t wireless has joined forces with cingular

  • audio recorders

  • auto loans dont dig a money pit in your garage

  • auto loans top 5 tips for the best rate

  • avoiding wired mistakes

  • avoid these work from home scams

  • avoid the duds 10 strategies for selecting the perfect speaker

  • a career with the fbi

  • a cool email communication tip

  • a cure for an ailing credit

  • a cushy business idea

  • a discussion about facilitation skills

  • a fast way to find clients

  • a few easy ways to take the headache out of moving

  • a guide to buying a new business phone system

  • a guide to understanding merchant account rates fees

  • a look at florida department for incorporating

  • a meeting a day wastes your life away

  • a simple plan for starting a business

  • a simple plan for starting a business of real estate investing

  • a special mans triumph in the gold rush

  • a special man s triumph in the gold rush

  • a uniting culture for the new multicultural workplace

  • a way to find more happiness through your work

  • a wireless phone policy can save your company big bucks

  • bad credit qualify yourself for a zero down mortgage loan

  • balance your managerial life

  • balancing play and work leveraging time part 2

  • banking on good banks guidelines to help you choose the right bank for you

  • battling with customer service how to win the war part 2 of 2

  • bearish or bullish whats your style

  • beating the competition

  • become a personal fitness trainer

  • becoming the middle man the client you your team

  • bellsouth secrets revealed

  • benefits of online investment research

  • best cell phones new mobile phone

  • best practices in house consumer collections

  • best stock market simulation games

  • beware of work from home wolf tickets part 2

  • beyond ebooks 10 powerful alternative infoproduct formats part 2 of 2

  • big lots providing more for less with dtt1000 voice response unit

  • bill payment cellular phone service provider

  • bingo youre cancelled

  • bingo you re cancelled

  • blogging for business

  • blog rss explained

  • book keeping business how to get started

  • book summary what color is your parachute

  • boost your productivity desktop management

  • bosch 908 data cable

  • budgeting the critical flaw that causes most budgets to fail

  • building your credit history

  • build trust online by focusing on web consumers

  • build your business on a shoestring hire a college intern

  • business and career know your ruling star

  • business brokerage

  • business career know your ruling star

  • business career success know your ruling star

  • business choices new directions

  • business ethics in the 21th century

  • business growth through strategic merger and acquisition

  • business menu planning satisfy your customers dont stuff them

  • business plans revealed how to write your plan and why

  • business training or potty training

  • business travelers turn to bed and breakfasts for their internet savvy and extra value

  • buyer agents vs seller agents

  • buyer beware

  • buying a business think due diligence

  • buying database

  • call center and its definition

  • can i write and print my own business brochures and business cards

  • can the average person be successful in an online business

  • can you get paid for what youthink

  • can you hear me now

  • can you make an honest buck online

  • can you really make an honest living on the net

  • capital building strategies

  • career resolutions make them stick in 2006

  • carrying car insurance is a smart choice

  • cash advance loans online a great way to make it until your next pay day

  • cctv security camera systems

  • cellular number portability

  • cellwirelesss compensation plan

  • cell phones weigh the costs

  • cell phone batteries money saving tips

  • cheap cell phones mobile phone deals

  • cheap web hosting what to look for and what to stay away from

  • checklist for starting your home business

  • check yourself for outstanding customer service

  • check your credit rating before stoozing

  • choosing the right merchant account provider

  • christian dating services and online safety

  • cingular wireless corporate summary

  • client service as a competitive advantage

  • coaching costs

  • cold laser therapy

  • collaborate your way to success

  • common courtesy isnt so common 10 telephone blunders in everyday business

  • communicating effectively in the workplace

  • communicating price increases to your customers

  • communicating value

  • communication five ways it can improve your business

  • computer controlled led signs

  • computer software excellent prices

  • conference call etiquette you need to know

  • consolidating your government student loans

  • consultants

  • controlling wireless costs are you overspending in these 4 key areas

  • cosmic relief

  • create and maintain a budget

  • create database and sell to earn money on the net

  • create real magic and new customers

  • create your 21st century success now

  • create your own audio studio for under 100

  • create your own fortune as a professional organizer

  • creating a network that works

  • creating more effective proposals

  • creating subscription free newsletters

  • creative real estate investment

  • creativity and innovation management why products fail

  • credit and debt relief a one stop solution

  • credit cards debt consolidation and cellularphones

  • credit card charge off what does it mean and what should you do about it

  • credit card companies feeling the heat says moneynet

  • credit card incentives

  • credit card processing services easy cheap and necessary

  • credit information part a

  • cubicle etiquette 101

  • customer focus just 5 simple things you need to think about

  • customer service 101 what you absolutely need to know

  • customer service and marketing its not that hard

  • customer service and the human experience

  • customer service a lost art

  • customer service for huge profits

  • customer service is dying and im not feeling so good myself

  • customer service is dying and i m not feeling so good myself

  • customer service is king

  • customer service leads to customer loyalty

  • customer service the infection of mediocrity

  • customer value 4 myths

  • deciphering office lingo

  • differentiation smart marketing strategies for the solo entrepreneur

  • disaster prevention 13 lucky tips for small business

  • discover free credit cards

  • distance learning online

  • diversity

  • does listening to music improve productivity

  • does mbwa management by wandering around still work

  • does my business need a toll free number

  • does your business need a toll free 800 number

  • domain names not strong auction items

  • dont be april fooled the myths of resume writing

  • dont go crazy with your cell phone accessories

  • dont go for broke

  • don t go for broke

  • do yourself a favor provide outstanding customer service

  • do you need a personal assistant

  • do you really need a website

  • dreambiznews

  • due diligence 101 or what you do not know can kill you

  • dynamic interviewing practices

  • dynamic pre hiring practices

  • earning bidders trust with your ebay auctions

  • earn extra money

  • earn it the old fashioned way

  • easy steps to work life balance

  • ebay auction ebay sellingtop 10 secrets revealed

  • ebay basics

  • ebay gold

  • ecommerce a plan

  • eddie the erroneous e marketer

  • effective advertising

  • effective time and records management means maximized profitability

  • effective time management for busy people

  • electrical savings system

  • eleven things you must know about a drop shipping directory and its company

  • emotional intelligence the shot felt round the world

  • empathy 101 ten commandments of human relations

  • employee motivation checklist ten measures of success

  • employee motivation get the basics right first

  • english language sputtering online like an old ford

  • entertainment rss delivered straight into your home

  • entrepreneurs ask as a novice entrepreneur how can i feel less overwhelmed

  • entrepreneurs ask as a novice entrepreneur how do i feel less overwhelmed

  • equipment leasing blunders that can cost your firm a mint

  • equipping your home office part 2

  • equipping your home voiceover studio

  • ericsson 388 data cable

  • essential equipment for your home office

  • establishing a professional image when you work at home

  • everything you need to know about ebay money making opportunities

  • expecting 1st string plays from your 3rd string paid front office

  • expect success to stay self motivated and get great results

  • expenses a what are they and what can we do about them

  • exponentially grow your business sharing what you know using eight types of audio programs

  • e commerce a no nonsense perspective for new business

  • e gold gold itself circulated electronically

  • factors that trigger credit card rate hikes

  • financial planning for the mtv generation

  • finding a manager

  • finding phone answers for the very small business

  • finding potential wholesale accounts

  • first impressions make them count

  • five phrases to avoid during your next sales presentation

  • five ways to stay motivated

  • flat tires slow leaks and online marketing

  • flipping the switch

  • foolproof customer service strategies that only a fool would try

  • forex signals reviewed

  • forgotten point of sale system features cash in drawer limits

  • fortune 500 budgeting for our personal lives

  • four common sense tips for the telephone interview

  • freelancers and small business need a budget

  • freelance writing a career from anywhere

  • free and low cost pc offers the catch

  • free annual credit reports strategies to avoid imposter websites

  • free cell phone offers a win win situation

  • free money saving tips part 1

  • from first sign up to director in nine days

  • ftc names its dirty dozen 12 most likely email scams

  • genealogy leads pros and cons

  • generating a solid cellular phone business plan

  • generating publicity will the media be interested in my product business

  • getting an upper hand on fraud

  • getting a credit card is a big responsibility

  • getting a great value deal on loans

  • getting back to basics a customer service tale

  • getting connected to voip in ten easy steps

  • getting organized for the new year part 2

  • getting referrals

  • getting the best deal on auto insurance

  • getting the most bang for your buck out of your banking services

  • getting the most of your cell phone batteries when travelling

  • get focused now 10 essential questions

  • get more done at your office focus on these eight areas for increased productivity

  • get more than just a presence on the internet

  • get those s out theyre waiting for you

  • get yourself ready to impress during a phone interview

  • get your fundraisers going now start earning immediately

  • gift shops with and without walls

  • giving your kids a cellular child phone

  • going mobile part 1 wireless phone service for your home business

  • gold doesnt just glitter

  • good bye bobby knight and all the sales managers like you

  • good credit is a necessity for daily living

  • good fences make good neighbors in business and life

  • google adwords for your target market

  • google and sun a partnership to kill microsoft or a deal with the devil

  • graduating with a plan of action

  • great idea now what the entrepreneurs challenge

  • growing your company in todays chaotic market

  • growing your company in today s chaotic market

  • guidance on cellular phone rental

  • have you insured the goose

  • have you invited a spy into your computer

  • headhunters tp use or not to use

  • headsets

  • help theres an intruder in my computer

  • help there s an intruder in my computer

  • here come the real estate gurus hide the children

  • high net worth offshore banking

  • hiring customer service representatives that are a perfect fit

  • hitting the brick wall and not a dent

  • homelanddefensestocks coms homeland defense stocks online investor conference live today 13 public companies and 3 industry experts present

  • homelanddefensestocks coms online investor conference update

  • homelanddefensestocks com features how the wireless internet in space is coming driven by the military and global business

  • homelanddefensestocks com presents the homeland security stocks online investor conference october 20th

  • homelanddefensestocks com updates homeland security public and private featured companies new content and online investor schedule for 2005

  • home based business money saving tips

  • home based business owners save thousands on their income tax

  • home based business owners save thousands on their taxes

  • home based business plan guide

  • home based business vs family time

  • home buyer 10 extra costs above the sales price

  • home mortgages and refinances

  • home work or escape from dilberts box

  • hosted pbx is it right for you

  • how available are you

  • how a cellphone can save your life

  • how a customer relationship manager for ms office can turn your small business into a productivity powerhouse

  • how a home business may protect you from the housing bubble

  • how do you find a topic to speak on

  • how identity theft occurs

  • how merchant accounts can save you money

  • how older americans can avoid investment fraud and abuse

  • how quickly can you reach out and touch someone

  • how reliable are cell phones

  • how to accept credit card in your small business

  • how to achieve excellence in sales

  • how to avoid telemarketing scams

  • how to become an event planner

  • how to build your sales with joint ventures

  • how to build your very own software empire in 6 easy steps

  • how to choose a great camera phone

  • how to choose a work at home business opportunity

  • how to conduct on line due diligence before entering into business relationships

  • how to conduct your telemeeting teleconference or teleclass

  • how to contact the irs without breaking into a sweat

  • how to control corporate wireless costs are you overspending in these 4 areas

  • how to create an online newsroom the media will love

  • how to create the best title for your ebay auction

  • how to create your own product or service part 2

  • how to determine good online business

  • how to divorce like you are buying a tv

  • how to do a family financial assessment

  • how to do a successful exhibit

  • how to earn what youre really worth in the new economy

  • how to earn what you re really worth in the new economy

  • how to find a professional advisor that is right for you

  • how to find your perfect online business

  • how to follow up a consulting proposal

  • how to furnish your home office inexpensively

  • how to get 100 financing zero down mortgage loans even with bad credit

  • how to get the best from outsourcing

  • how to give from your home

  • how to give yourself an advantage in the work at home job market

  • how to guide affiliate marketing for profit

  • how to improve your chances to qualify for a conventional home loan

  • how to increase the chances a prospect contacts you by 50

  • how to kick start your business and double your profits

  • how to live within your means

  • how to make an excellent investment in your web site design

  • how to make good use of spreadsheets

  • how to maximize sales by minimizing windshield time

  • how to maximize your home business tax deductions for 2005

  • how to organize a seminar or an event

  • how to profit by becoming a landscaping contractor

  • how to profit from your home business blog

  • how to profit in a recession

  • how to prosper because of your competition

  • how to run a successful home sale party

  • how to save money while at college

  • how to save on your auto insurance

  • how to select a divorce lawyer

  • how to select good sales people

  • how to sell more products through public speaking

  • how to set up your own online business 11 free or low cost services youll need to know about

  • how to set up your own online business 11 free or low cost services you ll need to know about

  • how to start and run a landscape garden maintenance business

  • how to start an errand business in your spare time

  • how to start an office support service

  • how to start your own virtual assistant business

  • how to stimulate word of mouth part two

  • how to work at home by becoming self employed

  • how you can avoid becoming a victim of identity theft

  • ian canaway

  • identity theft

  • identity theft and credit reports

  • identity theft and your online job search

  • identity theft monitor your credit report

  • identity theft or will the real me please stand up

  • identity theft who would want mine

  • if i only had a crystal ball 3 secrets to business success

  • important things about mlm leads

  • important words of wisdom for internet success

  • increase in house collections

  • increase the bottom line by speaking on a cruise

  • increase your bottom line through referrals

  • increase your follow on sales

  • index

  • indie artist management economic realities insightful strategies

  • industry pro interview what is uncle sam really entitled to

  • inflation affects more than your money

  • influencing skills how to influence people

  • information technology consultants and professionals how to avoid being seen as just another salesperson

  • insurance tips and hints

  • intellectual capital its money in the bank

  • interactive mapping brings information to life

  • international telephone calling tips

  • internet payday loans tricks and tips

  • interview tips ten top dos donts for winning interviews

  • investigate before you invest

  • investorideas launches new investor portal rfidinvesting com to follow developments in radio frequency identification and wireless security applications

  • investor guide to financial health

  • irrigation sprinkler repair service create a profitable new service

  • is it time to hang up on investments in wireless

  • is your customer service excellent

  • is your discount rate really a discount

  • is your identity really safe

  • its networks otcbb itst new profiled featured company on telecom stocks industry research sector for investorideas com

  • its summer vacation time

  • i wasnt paying attention where does my money go and how can i get some back part 1

  • i wasn t paying attention where does my money go and how can i get some back part 1

  • japan a tiny leap forward

  • job tips for the frustrated job seeker

  • just in case party invitation byo pets laptops kids

  • jv and grow rich

  • key to success work hard at working smarter

  • knowledge management creating a sustainable yellow pages system

  • krusell international announces new cases

  • landlording 101 tricks of the trade

  • learning to save money

  • learn how to start a debt collection business

  • lessons from inspirational businesses in rural australia

  • lesson 2 how to find profitable niche markets

  • leverage raffles as a marketing tool

  • lg 5250 lcd 610 lcd 7020 lcd

  • lifeline to business

  • life by design

  • life long learning

  • linking purpose to everyday behaviors

  • local search getting more exposure for your business

  • looking for a new hbb idea heres one

  • looking for a new idea heres one

  • looking for harvey weinstein the book

  • look like sizzle be the steak

  • lose your job now 5 tips to get to severance heaven

  • low interest rates bigger savings

  • low mortgage rates are spurring the recent boom in home ownership

  • low or no cost ways to market your cleaning business

  • low unemployment catalyst for excellence or excuse for failure

  • make easy money online

  • make money at home start here first

  • make money in the strangest ways

  • make that 3 billion

  • make the most of your mentoring relationships

  • make the most of your time focus on strengths

  • make your fortune in a paper business

  • making a small store go

  • making money from home

  • making money in your underwear the jeff paul marketing system

  • making money on the internet for beginners

  • making sense of credit card fees

  • making the most of long distance phone services

  • making the most of turn key businesses

  • manage your debts dont drown in them

  • managing time in a fast paced world

  • managing your home business and life

  • marketing for the self employed

  • marketing with a twist

  • maximize cost savings with increased efficiencies

  • maximize cost savings with increased efficiency

  • meditation why just sitting there isnt just sitting there

  • mental fitness for confidence and winning in life

  • merchant services add ecommerce functionality to any business

  • merger and acquisition an engine for corporate growth

  • mitsubishi mit mars data cable

  • mobile phones and communication

  • mobile phone accessories china

  • mobile phone usb data cable

  • moms five reasons to examine your spending habits

  • money management skills for a new millenium

  • money the art of bliss

  • mortgage sales hit problems

  • motorola corporate summary

  • motorola e360 data cable

  • motorola t720 lcd v60 lcd v150 lcd

  • moving message board

  • multi level marketting pros and cons

  • mystery shopping an excellent part time job or additional income source

  • mystery shopping an excellent way to make extra money

  • mystery shopping mysterious way to improve customer care

  • my first month online

  • my las vegas review

  • my project broker experience

  • my quick un biased ipod review

  • m commerce twice the cash value of e commerce

  • need a sales boost try these

  • negotiating to buy a new car the easy way

  • networking tips

  • network marketing in its purest form

  • net worth nympho

  • nevada corporations advantages of incorporating in nevada

  • new age paint thickening rheological additives solvitex solvizen

  • new concepts in car insurance pay as you drive

  • new goodies at google

  • new home loan 3 tips to speed up the mortgage loan approval process

  • new mobile applications shock market part 1 of 2

  • new technology revolutionizes check collection

  • new year

  • nextel i730 lcd

  • nextel i90 lcd

  • nextel i95 lcd

  • nigerian scam elements styles and cures

  • nine ways to lower your auto insurance costs

  • nokia 2100 lcd 2300 lcd 7610 lcd

  • nokia corporate summary

  • nokia dlr 3p data cable

  • nothing personal

  • not an affiliate why ever not

  • nuance can you hear me

  • office chairs determine the office environment

  • office set up

  • offshore this

  • oh to be as a child

  • old ideologies new vision how to harness both to succeed in the new economy

  • one minute feedback

  • online or offline business

  • online payday loans how to gain an advantage over lenders

  • online press rooms save the media time and frustration

  • online shopping the joy of online shopping

  • only good guys look for jobs

  • open source erp for smes

  • organize your office and improve productivity

  • organize your office space

  • out recruit the competition

  • overcoming frustration with technology

  • panasonic gd87 lcd gd50 lcd gd93 lcd

  • panasonic gd92 data cable

  • paper shredders identity theft

  • parenting and running a home based business

  • park your garage sales on the internet

  • part 2 of 5 on the home business set up guide

  • payday advance loans use wisely

  • paying your bills on time

  • pay no bank fees lower your interest rates

  • peddling your own wagon through local exposure

  • penis in a box for a buck

  • personal training 6 secrets of award winning customer service

  • philips savvy 168 data cable

  • phone interviews prepare to ace them

  • phone voip opens up unlimited possibilities for the future

  • planning for emergencies in your cleaning business

  • planning for moving house

  • planning for the unthinkable

  • please dont you buy any more useless reprint rights

  • please don t you buy any more useless reprint rights

  • plumbing and drainage franchises

  • point of sale systems how to choose a dealer to buy from

  • popular business misconceptions cost you money part 1

  • prepaid cell phone plans great option or last resort

  • preparing for tax preparation

  • preventing identity theft

  • private mortgage insurance doesnt protect homeowners

  • proactive high performance teamwork

  • profit from wooden novelties

  • project manager armaments

  • property casting podcasting for the real estate industry

  • protect yourself from identity theft

  • protect your most important asset

  • public relations tips you can take to the bank

  • public speaking for scaredy cats

  • putting your expert team together

  • put me through to your manager now

  • quality care options announces new employee benefit solution

  • rapid culture change is possible

  • rapid culture change is possible part 1 of 2

  • rapport how to build it with your team

  • real estate agent or broker

  • real estate marketing integrating your efforts for maximum response

  • real estate professional in the palm of your hand

  • real estate software for palm pc

  • real estate software for pocket pc

  • real story a hobo friend for my roommate

  • recruitment strategies

  • redefining distance to market your company

  • reduce your debt how to use debt consolidation to get yourself out of debt permanently

  • reducing credit card debt

  • reducing it expenses

  • refinance car loans refinancing your car loan online is convenient

  • remember the brakes

  • repair your credit like a financial expert

  • resume outline add structure flow to your resume

  • resume success factors what exactly is a resume anyway

  • reverse mortgages a tax free income for senior citizens

  • rewriting your resume 7 easy ways to give yourself an upgrade

  • rfidinvesting com presents its first online investor forum for rfid stocks and industry

  • right starting of a home business part i

  • rotator

  • rules of the game

  • running errands to earn extra income

  • running out of time

  • rv warranties are they worth the money

  • sagem 9xx data cable

  • samsung a200 data cable

  • samsung e108 lcd e700 lcd a310 lcd

  • save money and learn more about your finances

  • save money on cell phone offers beware of family plans

  • saving for your childs financial future uk parents inactivity harming their childrens university and mortgage savings

  • scams to watch for

  • scheduling software can help you become more organized

  • searching for a low interest credit card

  • secrets of a 6 figure freelance writer

  • secrets of promotion

  • self employed tax strategies

  • self employment ideas

  • selling for beginners

  • selling for the non salesman

  • selling sales to customer service agents

  • selling through auction marketplaces

  • selling your database

  • selling your home a fsbos guide to keeping it safe

  • selling your home a fsbo s guide to keeping it safe

  • seniors and family caregivers now have an advocate

  • senior approved certification

  • setting financial goals part 1

  • setting goals your ticket to success

  • setting up your home office to enhance your network marketing lifestyle

  • settle smart how to do credit card payment

  • seventy five years old and still counting henry dreyfuss associates still make an impact on american life

  • seven key tax deductions for the self employed

  • seven painless ways to save 100 or more each month

  • seven steps to safeguard your pbx system

  • seven ways to win friends in business

  • shareholders meeting changing with times

  • should you choose to refinance

  • show me the money with mobile content

  • siemens cl50 lcd s35 lcd sl45 lcd

  • siemens s40 data cable

  • simple steps to project a professional home business image

  • six figure professionals their seven secrets

  • slash your phone bill in half now

  • small business 101 deadly ignorance

  • small business ownership and whole business accommodations

  • small business q a how to handle the occasional oop see

  • small business tax deductions for year end 2004

  • small medium size businesses

  • smart choices how to hire the best

  • sms and web mobile call

  • some of the strangest ways to make money

  • some tips for the safe use of cell phones and batteries

  • sonyericsson t20e lcd 2618 lcd 688 lcd

  • sound advice for first time credit card users

  • so you wannabe a small business owner

  • so you want to be an affiliate marketer

  • so you want to start a web business well let me tell you something

  • sprint nextel corporate summary

  • starting an errand service

  • starting an errand service business

  • starting a concierge service

  • starting a home based business

  • steps you can take to protect your financial information and personal identity from fraud

  • stop paying two phone bills make your cell phone your primary line

  • stop your employee from becoming your competitor

  • streaming audio made easy

  • stretching your marketing dollars 7 cheap and easy ways to market on a budget

  • structure boundaires freedom

  • structure boundaries freedom

  • student credit cards 101

  • student credit cards 101 a students guide to credit

  • student credit cards 101 a student s guide to credit

  • success is out there waiting for you to join it

  • sure fire ways to drive customers away

  • survival on the road a resource for the on the road sales professional

  • survival tips for small businesses

  • survival without computers

  • surviving a layoff

  • survivor are you leader enough

  • swipe age what is a credit card machine

  • take away power for real estate investing

  • take back control of your cell phone

  • take charge seven tips to successful meetings

  • taking back control of your cell phone

  • taking care of your cell phone batteries

  • taking charge of your files

  • taking control of your credit history

  • taming the ebay search engine

  • task management tools the difference between average and successful people

  • taxpayer casualty guide preparing for a disaster

  • tax advantages of a homebased business

  • tax advantages of a home based business

  • tax lien ladys step by step guide how to prepare for your first tax sale

  • tax strategies for those with a home or small business

  • tax time tune up

  • tax tips for home based business owners

  • tax tips to save you time and money

  • technology brings blackberry thumb to business

  • technology in the workplace boon or curse

  • teleclasses your new innovative way to learn

  • telephone technology

  • tennessee mortgage loans

  • ten business reasons why asking for help works

  • ten easy ways to slow down in business

  • ten quick etiquette tips for business lunches

  • ten techniques for motivating others through chaos

  • ten top tips on making money online with articles

  • ten ways to improve your customer service

  • text vs pictures shedding light on the debate

  • theres a thief on your campus

  • the 2006 bmw m6 bmw performance parts aftermarket parts now available at parts train

  • the 5ws of world class customer service training

  • the 5 ws of world class customer service training

  • the 6 d information system

  • the 9 biggest mistakes every medical billing office should avoid

  • the advantages of rss websites

  • the art of co venturing in business

  • the baby stroller how to choose

  • the benefits of starting a home based business

  • the best deal on auto insurance

  • the best of stock market simulation games

  • the blessings of the black economy

  • the business meeting

  • the ceos guide to the top 5 issues that misguide business intelligence decisions

  • the changing face of business

  • the cheapest forget it

  • the client from hell learn to walk away

  • the countless alternatives to credit cards

  • the customer is number one

  • the death of the loyal customer

  • the easy way to build a great credit report

  • the eight rules of good customer service

  • the fastest delete finger in the midwest

  • the first step to creating multiple income streams

  • the future of advertising

  • the future of wireless

  • the google adsense money checks or extra income checks part 1 of 3

  • the google adsense money checks or extra income checks part 2 of 3

  • the holy grail of wholesale wholesale secrets revealed

  • the hot top 10 home business ideas

  • the hot top ten home business ideas

  • the impact of mcommerce

  • the informations age and making money

  • the information age and making money

  • the little things you need to know if youre self employed

  • the little things you need to know if you re self employed

  • the magic of keep in touch marketing

  • the microwave approach to investing

  • the money keyword list superchrage your websites earning power part 1 of 2

  • the myth of rankings beyond search engine optimization

  • the organized job search

  • the pattern repeats itself in your business unless you get conscious

  • the perfect work at home job i found it you can too

  • the power of a lifemasters aq coach dont waste time or money on training until you have read this valuable research

  • the pros and cons of holding conferences

  • the pros and cons of refinancing

  • the reality of buying wholesale

  • the search engine of the future mobility has a pricetag

  • the seven best ways for salespeople and entrepreneurs to build awesome customer relationships

  • the seven deadly tax sins commonly missed deductions

  • the seven essential elements to successful business communication

  • the smartest way to buy auto insurance part 1 of 4

  • the stale way to success

  • the student loan

  • the ten key competencies of personal productivity

  • the top 10 time termites and how to exterminate them

  • the top 10 ways for managers to build rapport through listening and stuff

  • the top ten worst work at home scams

  • the truth aboutt getting rich

  • the vanishing mail

  • thinking beyond debt consolidation loans

  • thirteen more ways to save 100 a month

  • this is a no real estate guru zone

  • this real estate market about to burst

  • three questions you must ask your loan officer

  • three steps to a professional image

  • three ways to improve your help desks reputation

  • thsi real estate market about to burst

  • time management how to make your meetings more productive

  • time management no

  • tips for cell phone batteries and usage

  • tips for maintaining client relationships

  • tips for managing your credit cards

  • tips for protecting your financial information and identity from fraud

  • tips for purchasing your companys laptops

  • tips for successful home show businesses

  • tip to help you protect your financial and personal information from fraud

  • toll free virtual pbx systems level the playing field for small businesses

  • too many things to do and not enough time mind mapping to the rescue

  • top 10 consumer complaints list

  • top 10 steps to creating a successful business retreat for self employed entrepreneurs

  • top 3 ways to boost your perceived value

  • top 5 school fund raiser ideas

  • top 7 lucrative paper businesses you can run

  • top ten tips about people management

  • top ten wholesalers on the net

  • traits of the successful entrepreneur

  • travelcasting offers on demand vacation sneak peeks

  • trusttel com mobile phone accessories china manufacturer and exporter

  • truth or consequences how to give employee feedback

  • turning keyboarding skills into cash

  • turn any hobby into a part time business

  • turn your email sign off into results seven step checklist for success

  • twitch speed reaching younger workers who think differently

  • underestimating the power of in house pr

  • understanding your insurance claim

  • use a virtual office as a profitable alternative to paying high rent

  • use the internet to boost your work from home income

  • use your cell phone trial period to test your plan here are some guidelines

  • using a shed as a garden office

  • using payday advance loans wisely emilys smart move

  • using photos as graphics in marketing your business

  • various online scams you have one defense yourself

  • verizon wireless corporate summary

  • virtual offices profitable alternative to paying high rent

  • virtual office communication choices with internet based business

  • virtual professionals working worldwide

  • voice over talent getting paid for the gig

  • voip phone hype phooey

  • voip small business home business advantage

  • voip telephony is it the right fit for you

  • volkswagen passat 2005 body and chassis for volkswagen parts at parts train

  • volkswagen passat with nokia blue tooth technology vw aftermarket and replacement parts

  • wacko families operators manual

  • wake up baby boomers theres still time

  • wall street movie review greed is good

  • walmart and the rules

  • want the income of the marketing pros join easy street

  • want the income of the marketing pro s join easy street

  • want to motivate people want to be more effectrive try this

  • warning this lease might explode any minute

  • watch out for fake ebay escrow scammers

  • ways to make more international calls without splurging on phone cards

  • website hosting whats it all mean

  • web development employment projects where and how to find them

  • wedding photography preserving the memories

  • whats going on with mobbing bullying and work harassment internationally

  • whats your credit score and what does it mean

  • whats your iq on basic pc phone voip knowledge

  • what are all those cell phone accessories used for

  • what are keywords and what the heck do you do with them

  • what are ringtones

  • what do employees wish for most and how to get it

  • what every work from home want to be should know before diving into telecommuting

  • what goes into starting a successful home based medical transcription business

  • what has your biz op done for you

  • what is a good internet marketing strategy for newbies

  • what is best digital analog or both

  • what is sms

  • what is the future of on line business should you still get excited

  • what s your credit score and what does it mean

  • what the freight brokerage business doesnt want disclosed and why

  • what to look for in a home based business opportunity

  • what to look for in a real estate agent

  • what you must know about selling online to europe

  • what you need to know about credit cards

  • when your customers steal

  • where did the customers go

  • where does the time go

  • where to find an easy car loan

  • who will become wealthy in the information age

  • why do i need a external antenna for my pocketpc

  • why mobile sms text messaging

  • why my business chose voip

  • why online mortgage quotes dont always give the best rate

  • why public relations doesnt just happen

  • why radio advertising could be the best thing you ever did for your business

  • why should you refinance

  • why to pay a survey site when its free

  • why you should use full color printing

  • working at home doesnt have to mean feeling alone

  • working at home doesn t have to mean feeling alone

  • working at home using online paid surveys

  • working a home business

  • working with freelance writers

  • workplace fatality the consequences for one business unit

  • work at home business ideas

  • work at home data entry workers are a growing number

  • work from home job business how do you decide

  • work life balance tips for the business traveler

  • would you hire sir isaac newton the introvert

  • writing one or two line ads

  • yellow page advertisers need to show up

  • yes the seller can get a new loan

  • your assumptions about job descriptions can harm you

  • your best tool your business card

  • your budget and taste for gadgets will you determine what type of cell phone accessories you need

  • your business card executive pacifier or marketing tool

  • your credit report can stop you from getting everyday services

  • your customers are more than a number

  • your guide to plastic molding

  • you and your money

  • you can get on the oprah show before 2011