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Almost everything we do in life is a choice. To get out of bed in the morning is a choice. To go to work and do your job and pay your rent and take chances and risks, are all choices. To eat unhealthy foods knowing you will gain weight and increase fat and cholesterol and your risk for heart disease are all choices. To get married, or stay in an unhappy marriage or have children, again all these things are our choices.
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For this short article let’s take a different approach. Rather than writing about how to deliver great customer service,[link widoczny dla zalogowanych], I’m going to write about how to get great customer service.
Think about the Golden Rule that we learned as kids,[link widoczny dla zalogowanych]. Are you acting like you would want to be treated,[link widoczny dla zalogowanych]? The Customer Golden Rule might be this:
A passenger approached an airline representative about his lost luggage. Obviously upset, he more than complained. He yelled and made derogatory remarks about the airline. The airline employee’s response was simple. “Sir, I can see you’re upset. Right now there are only two people who care about your lost luggage and you are starting to make one of them upset.”
Let’s start with a confrontational situation to illustrate the point. There is an old story that goes something like this:
So, you want great customer service? You want to be treated with respect. You want your complaint resolved. You just want what is right – a good customer service experience.
The moral of the story is that as a customer, you can’t get what you want by being unreasonable. If there is a problem, a level headed approach with reasonable suggestions will always win over confrontational arguments, negative attitudes and insulting remarks. The old expression that comes to mind is that you can catch more flies with honey than you can with vinegar.
“Treat the company that you are doing business with the way you,[link widoczny dla zalogowanych], as the customer,[link widoczny dla zalogowanych], want to be treated.”
Some companies are great at delivering an amazing customer experience. For others, it is an effort. For those tough and challenging times,[link widoczny dla zalogowanych], getting a better customer service experience may take a little more effort and sometimes even a little restraint on your part. When things aren’t going your way,[link widoczny dla zalogowanych], it can be frustrating. So, how can you turn a customer service problem around? (By the way,[link widoczny dla zalogowanych], even if a company is very customer focused, you can make that great experience even better by the way you treat the customer service representative.)
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Another interesting piece of information predicted in several reverse mortgage blogs is that one major lender has proposed the idea of using the HECM Saver as a tool to be used by seniors who are not yet eligible for Social Security. While waiting for Social Security benefits, seniors would draw income from a line of credit made available through the HECM Saver. In theory,[link widoczny dla zalogowanych], this would give seniors a low-cost way to turn their home equity into a source of income; thus allowing seniors to wait to claim benefits until they reach full retirement age,[link widoczny dla zalogowanych], which would increase their benefits in the future. Regardless of whether this idea becomes a reality, the constant plans for new products prove that the reverse mortgage industry is one driven by innovation and continued development.
Many reverse mortgage blogs are also reporting that new loan products might be released in upcoming months. Currently,[link widoczny dla zalogowanych], FHA has extended their $625,500 maximum claim limit on HECMs through 2012. Still,[link widoczny dla zalogowanych], as home values continue to rise, the demand for jumbo propriety loans might also increase. This has reverse mortgage blog owners predicting that a new jumbo product will be released within the year.
The good news is that the industry is finally starting to get the recognition it deserves. While reverse mortgages are not meant to take the place of traditional retirement planning, many esteemed organizations,[link widoczny dla zalogowanych], including AARP and the National Council on Aging,[link widoczny dla zalogowanych], now work to educate seniors on these loans.
Reverse Mortgage Blog Owners Discuss Possible New Loan Products
As many adults are acutely aware, the recent downturn in the economy has impacted retirees’ assets and made it harder to save for retirement. An article released by Investment News, an online news source for financial planners, reported that “reverse mortgages should be considered as a very valuable retirement tool by financial advisers of all types.” While there will always be critics, many reverse mortgage blog owners are noticing this well-deserved change in attitude.
Are Financial Experts Finally Realizing the Full Benefits of Reverse Mortgages?
However,[link widoczny dla zalogowanych], people interested in a propriety loan should be aware of a few different things. First, these loans will not be insured by the federal government. Since these loans are not insured, it is likely that borrowers will be required to have a great deal of equity in their home to qualify. Still, if and when this product is released, it will be interesting to see how these loans differ from HECMs.
It is no secret that reverse mortgages have many critics. When Home Equity Conversion Mortgages (HECMs) first became available in the late 1980’s,[link widoczny dla zalogowanych], several lenders did adopt some questionable practices. However,[link widoczny dla zalogowanych], as these loans have matured, the Federal Housing Administration (FHA) has tightened their regulations. The days when lenders could take advantage of their borrowers are long since over. Unfortunately,[link widoczny dla zalogowanych], it has taken a long time for the reverse mortgage industry to shake its negative reputation.
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what techniques are you currently using? Here’s why – every business is different and our ideal clients may not be the same. are you sure you are getting the best information from them? For example,[link widoczny dla zalogowanych], the bankruptcy attorneys at Doyaga and Schaefer are here to help. The purpose of the counseling is to ensure that people are not making an uninformed decision to file for bankruptcy. costliest mistakes most Internet and brick & mortar businesses make today. If you have too many things sent to them too often,[link widoczny dla zalogowanych], You can use this knowledge to evaluate sites and waste less time deciding if a site has what you need. submit and manage their own content.
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* How WILLING are you to leave others behind so you can grow? WILL
What do you really want for your life and business?
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No need to worry about exceeding the luggage limit when you travel if you bring only the bare necessities. No need to travel like a monk. You can dress very well and look perfect at all times, right out of the suitcase. The trick lies in careful planning.
Are you going to the tropics,[link widoczny dla zalogowanych]?
1 long sleeved black top
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Do you look good in black? If you do, then lucky you. Just get
Tip #1. Plan Your Wardrobe
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Okay, you could mix, black with white or go for brown/tan/earth tone clothes instead of black if those suit you better. Or you could be the lady in red by swapping black for red.
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