Virtual Operator Answering Services Streamline Your Switchboard

You're starting a business. But you do not have as much in your budget to spend as your corporate counterparts. So what can you do to streamline your expenses? One way to save money is by using a virtual operator answering service. With a little affordable outside support, you can negate the cost of a full-time receptionist, and you'll still offer excellent customer service.

When you're in the beginning stages of a business, you want to make decisions carefully. And there's no safer decision than outsourcing your calls to a well-recommended vendor. You'll get a network of professional people to answer your calls, and they're guaranteed to always be available for your business. Agents assist your callers through the early morning hours, during peak periods, and at night. They'll answer calls just as a full time receptionist would: using your company name. And your service forward your calls anywhere you happen to be. You could be commuting, working at your home office, or at your physical office, and virtual operator answering services transfer calls to your smart phone, home phone, or business extension. When you're unavailable to take calls, you can have your service operators forward messages to your e-mail, pager, voice-mail, or fax.

Every startup company wants to expand their customer and client outreach. Virtual operator answering services can make it easy for you to increase clientele in an organized way. If you sell products, your virtual services provider can be your shopper helpline! Your customers can call your toll-free number, and a live operator will help them place their order. Virtual agents can also answer questions about your products, offer discounts, or add customers to your mailing list. If you primarily provide services to clients, you can have virtual operator answering service book client consultations. Virtual agents access your calendar in real-time, and input the place, time, and date of your consultation. And if your clients call back to receive directions or verify the time of the appointment, operators look up and provide that information.

Starting out as an entrepreneur is exciting. But it's also stressful balancing your budget. So why not get affordable customer support? Virtual operator answering services can streamline your business, and even help you turn a profit. With all of these benefits, why should you wait? Call a virtual operator answering service to start service today!



Source by Rob Porter

Paying for Long Term Care and Protecting Your Assets

Despite the fact that so many people will need long term care, there are few good options for making this type of care affordable. Medicare does not pay for most forms of nursing care outside of very specific circumstances; the only government program that does is Medicaid. However, qualifying for Medicaid often requires “spending down” to a point where you fall under the maximum income qualification. From a practical standpoint, this means you could lose all your savings and assets.

There are, however, a few ways to protect your assets-at least partially-and pay for your long term care needs. We are not attorneys or financial planners; we strongly recommend that you consult a professional about your specific financial circumstances and available payment options. However, here are a few general options.

Buy long-term care insurance. Private health insurance plans generally do not cover long-term care. That’s covered by separate long-term care insurance. However, there are pitfalls in purchasing this type of insurance. In the past, several long-term care insurance companies have gone under, leaving their insureds without coverage despite paying premiums for years; in addition, to face rising medical costs, many insurers have had to hike premiums dramatically. However, under the right circumstances, long-term care insurance can go far in protecting your assets when buying long-term care.

Transfer your home. Most of the time, you don’t have to sell your home to qualify for Medicaid. In fact, if you do sell your home for its market value, you may no longer qualify-or you may be required to put all your proceeds toward nursing home costs. If you hang on to your home, you can usually still qualify for Medicaid-but the state of Texas may file a claim against your house after your death. This is called “estate recovery.”

However, if you have a surviving spouse, a surviving child under 21 years old, a child of any age with certain disabilities; or an unmarried adult child living on the property, the state may not file an estate recovery. There are also undue hardship conditions that would exempt your property; click here http://www.dads.state.tx.us/services/estate_recovery/ for more information.

Most of the time, if you transfer ownership of your home to someone else to avoid estate recovery, you will face a penalty and a period of exemption from Medicaid coverage that could basically negate the benefits you would get by transferring the property in the first place. However, under certain conditions, you can transfer your home to certain family members without penalty. This depends strongly on your own personal situation, however, and it is not a decision to make without first consulting an attorney.

Put your assets in an irrevocable trust. A trust allows you to transfer ownership of property or assets from yourself to a beneficiary. If you put your home or other assets into an irrevocable trust, you no longer have ownership of it-and can’t get it back without the trustee and beneficiary’s approval.

Protecting your property and assets in paying for nursing home care is always an intensely complicated situation, and varies depending on your individual circumstances. Consult an attorney to find out what your best options are-and hopefully you should be able to preserve your assets for future generations.



Source by Cheryl Culbertson

Health Club Management Software To Run Your Gym Efficiently

The precondition for achieving success in every business is excellent service. This holds true for health clubs as well. When you own a club, your main aim should be to provide the best services to your members. This is possible only when you are able to manage your time effectively. As the number of members increase, you will find it extremely difficult to take care of different things like security, member tracking, etc. To make things easier, it is best if you use health club management software. This will make your work really easy and you can concentrate on ways to improve your business. If you want to know about the benefits that you can get from such application, you can have a look at this article.

Controlling the Right of Entry

The software will automatically control the right of entry of the members based on their membership time. If it expires, they will not be given access to your gym. This program also helps to send reminders to clients about their outstanding payments and due dates. The working hours and the attendance of the staff can also be tracked using this feature.

Managing Clients

One of the most important features is the management of clients. You can keep a record of their attendance, asses their fitness, communicate with customers and keep track about them. You can also fix the working schedule of your members as per your and their convenience. If any client upgrades from one session to another, you can record it using health club management software. In case he/she transfers from one location of your gym to any other location, that can also be tracked with this application.

Taking Care of Billing

This is one of the most daunting tasks. Managing accounts is not easy unless you use any software application. Generating bills, tracking commission of your employees, diverging payment modes, finding the deposits that have been made in the bank and many other payment related issues are some of the functions that can be performed easily using this program.

Generating Reports

When you use such computer applications, you can easily generate different kinds of reports which in turn will help you to execute different tasks required for effective club management. Some of the reports that can be created include staff attendance report, member regularity reports, reports of market, conversion and sales analysis and many others. If you use software, you will be able to get these data at the perfect time. You can then give your attention on the areas which are weak and improve the quality of your services even more.

Fixing Appointments

When you have everything meticulously planned out, you can easily start your work. With this virtual tool, you can fix appointments for your clients; plan out working hours of your employees, manage status of the appointments, keep a record of returning customers and loads of other work. As per the scheduled time, you can send out reminder emails or text messages automatically using the software.

So make use of these features of health club management software and improve your fitness business with quality service.



Source by Charles H Hayden

The Benefits Of Water Storage Tanks

The installation of water storage tanks assist in the collection of excess rainfall that can be used for various domestic purposes. Purchasing these units requires consideration as to whether the tanks will be located below or above ground offering ease of use and management. The following tips can assist in choosing the containers to store sufficient volumes of liquid.

For water savings and storage options, including an above ground tank can provide residential and commercial properties with many benefits. It is an efficient option offering cost savings for consumers who no longer need to rely on the supply from local authorities for minor watering tasks. The stored volumes are commonly used in the garden, car washing and related tasks allowing for greater savings.

Keeping the system a distance from the surface offers a more efficient storage solution including ease of maintenance. It is easier to install these types of units in comparison to the underground tanks relying on additional construction and expertise from a professional and a reputable installation company. A professional approach can determine the most effective options that are compatible with home and business usage requirements.

Most prefer these tanks to remain on the surface of land as it will not require any form of excavation for installation. This will reduce the costs involved in labor as less time is spent digging and having to create a supported foundation for the location of these types of units. Digging into the soil includes additional safety standards that need to be followed to minimize injuries or damaging the system.

The management of tanks requires a regular clean by rinsing the inside of the container and removing any mold and algae that have formed along the interior. Scheduling emptying of units will make it easier to wash and remove any grit or grime that has accumulated over time. Performing these methods is made more efficient and simple when units are not positioned underground offering ease of drainage.

Underground tanks are more expensive because it is incorporated in building plans in the construction or renovation of homes. Securing these systems below the surface can minimize taking up a significant amount of backyard space for smaller gardens. It is harder to clean and requires the development of a strong and safe foundation to safeguard against damages that can occur over time.

When looking to incorporate a water storage tank, it requires the services of an experienced and reputable installation business. Professionals can advise on which locations will prove best for collection and the size of system most suitable for property requirements. Safe standards are upheld and implemented to protect from deterioration and provide consumers with ease of maintenance.

Securing a system to collect rainwater can prove most beneficial serving as an environmentally friendly alternative. A professional installer can advise on the types of units available and which of these offer the most suitable features. Learning about the advantages provided with an above ground water tank for storage can assist in making an informed buying decision with lasting results and an efficient outcome.



Source by Chandni Naresh Wadhwani

The Benefits Of Federal Student Loan Forgiveness

In most cases, college students have to get loans in order to make it through the four or five years of studying. Given that, you don’t have to repay immediately and can also take advantage of student loan forgiveness which will be a good option to consider instead of putting financial burden on your parents.

Unfortunately, this unsecured loan can become a big problem after college. Probably the most popular solutions for this problem will be loan consolidation. For this you have the option of either a private or federal student loan consolidation.

Nowadays, with the advancements of technology you can submit an application for any of these loans on the internet.

Federal student loan consolidation

This consolidation program for students is handled by the Federal authorities. This is actually a fixed interest rate program for refinancing. It will basically work by taking all your current federal student loans and combine them to get one loan. This kind of debt consolidation will not only give you instant relief, but also offers many long-term benefits.

Some of the benefits include:

Getting your monthly payables reduced by almost 50%. This could significantly boost your credit ratings.

The repayment will be made simple and all-encompassing with just one combined payment monthly.

There will be no checking or fees for application. Consolidating loans can lower interests by almost 0.6% during the grace period. There is no need to go all over the place, as you can easily apply and get loan consolidation benefits online.

Deb Repayment relief

Individuals choose the federal loan consolidation as an option for student loan forgiveness just for the simple reason that this offers substantial payment relief. Besides consolidating your monthly payment to one installment, you will get to pay a much lower interest rate. The good thing is that there might be some significant decrease in the principal sum as well.

Furthermore, the time period for payment can be prolonged as much as 30 years resulting in the installments monthly becoming smaller, compared to what you had been paying prior to the consolidation. As a result, you can save money to spend on additional immediate expenses and avoid problems with loans in the further.

Basics of student loan consolidation

Whenever you choose this option, remember that there is also the option of trying one-on-one customized services. One of the advantages of this kind of services would be that you have trained professionals to explain the consolidation process to ensure that you understand every step. Student loan forgiveness gives people the confidence to chase their educational dreams and aspirations of becoming successful and living a better life.



Source by Anita Sol