Top 3 Reasons Tech Support Helps Customer Experience

In all of it’s various capacities, tech support can bring the help you never knew you needed when providing the best service for your customers. Customers will inevitably run into problems while using your product or service. And if those problems are Information Technology (IT) related, a tech support team is who they will need to talk to. User errors, basic bug glitches, and other more in-depth technical issues are often a customer mystery and require knowledgeable help. Sometimes even setup and installation is tricky and requires technical support assistance. But without a tech support merchant account in place to handle these requests, your customers are left misusing your product and questioning your effectiveness. In fact, high churn rates are associated with businesses that don’t have a tech support staff.

So at this point tech support seems like a requirement to do business. If you’re not yet convinced, the following reasons are an outline of the perks to having a dedicated tech support team.

1. End Customer Confusion

Depending on your industry type and business offering, tech support might be necessary for your customers to understand just exactly how to use the functionality of your service.

For many online service providers or technology-based brands, tech support is essential. Customers may be using your company for the first time and be unfamiliar with you and what you do. They are going to have questions and run into issues…frequently. Offering remote options for support will lead to less confusion and more satisfaction.

Live chat options, customer technical support phone lines, or a dedicated email are easy ways to implement this.

2. Decrease Response Times

Despite the value tech support brings to a business’ offerings, not everyone has jumped on board yet with including these features. Tech support inclusion can culminate as the competitive edge that draws new customers in.

As soon as an issue arises, there will be someone on the line ready to assist. For a confused customer, this is a big relief. But it’s not only good for the users, it’s also great for customer retention. The response time for addressing customer issues directly correlates to happy users and greater retention rates.

This leads to the third reason a tech support team would help your business-

3. Keep a Healthy Retention Rate

You fought hard for your customers and naturally you want them to continue using your services. To do this you have to continue demonstrating your value even after securing a sale. While there are other ways of executing this, adding a tech support team is like killing two birds with one stone. Bird one demonstrates continued value while bird two provides support.

Set Your Business Up With Tech Support

There are two options moving forward with providing IT and technical support. You can provide in-house services or outsource it to an established company. Of course there are pros and cons for both options.

Pros and Cons for in-house support

 

– You have complete control over the user experience.– Requires a team to handle the amount of customer contact requests.
– The team in place will have pre-existing knowledge about your product or service.– May be more expensive than outsourced options.

Pros and Cons for outsourced support

 

– No need to hire, train, and manage an in-house team.– No control over the quality of support given.
– Often less expensive than in-house support– They will be operating without hands-on knowledge, only what you provide.

 

If you choose to continue with the in-house option, researching how to setup the team for success will be a huge help. Building the team, managing the support provided, and securing a tech support merchant account are all steps to be taken for your chance to add significant value to your business.

What to Consider Before Moving to a New City

Moving is a big decision, and it’s important to ensure that the area you choose fulfills all of your personal goals and desires. From location to public transit, there are many important factors that you should take into account during your search for a new place to call home. Be sure to consider the following key aspects before you settle into your new city.

Convenience

When searching for a home in a different city, you should think about how easily you will be able to get around the area. Be sure to look into public transit options and determine how long your commute to work will be after you move. Whether you decide to take the train to work or drive, factoring your commute into your home-buying decision is worthwhile.

Recreation

Once you’re done with the workday and ready to do something fun, you’ll want to be in the know about any recreational activities that are available in your area. When you search for Yorkville condos for sale, you have the opportunity to explore many different possibilities for leisure. Whether you’re in the mood for admiring fine art or indulging in five-star dining, make sure that your new city offers plenty of options for enjoyment.

Education

If you have children, you’ll want to send them to schools that provide them with a good education. Make sure that you look into the reputation of the schools in your area before buying a new home. Even if you don’t have kids to send off to class, the quality of the schools in your area can have an impact on the future value of your home. Schools with a positive reputation can increase your home’s overall value and make it easier to sell later on.

Personal Goals

No matter what city you’re moving to, you won’t feel satisfied in the new area if it doesn’t align with your personal goals. Be sure to evaluate what you wish to get out of your move and understand what you want to achieve early on. From personal to professional goals, there are many elements that are worth considering before moving in. To be happy with your choice, make sure that it’s the right one.

Moving to a new city can be an exciting and rewarding experience if you take the time to think through your decision. These tips can help propel you towards success and happiness in your new area.

Silver Insures Your Savings Against the Worst

Learn how to protect your portfolio using silver. A lot of investors will tell you that gold is the safest way to insure your savings against a crisis, but could silver be the real answer? First, consider the nature of silver, then look at its potential as insurance.

Is Silver a Risk Asset?

Does silver fit the profile of a true safe haven? The problem is its volatility. The metal can move extremely quickly, which always makes it a risk when prices are heating up. While it can pick up momentum at an incredible pace, it can also drop quickly. The asset has also had an extremely rough few years, and volatility has not been kind to long-term investors.

All that could be about to change though. Right now, prices are incredibly low. That limits how much risk factor you’re actually taking on. Analysts say there is very little downside to silver – its current price is not that much higher than the actual production costs of mining it.

How to Insure Your Portfolio

You can’t take insurance out on your portfolio, so you need to invest in assets that will perform well when the rest of your savings aren’t doing hot. Today, there are growing concerns that another global slowdown is coming, and that the cuts made by the Great Recession left scars in the global economic system that are ready to burst open again. Those concerns are pushing investors into precious metals.

Here’s how gold and silver work as an insurance policy for your portfolio:

  • Equity markets start to tumble
  • Investors sell quickly and start buying alternatives like gold and silver, driving prices up

You can’t buy flood insurance when there’s already water in your basement. Though you have to keep up with storage costs, if you own silver now, you see the highest returns when the crisis hits.

Growth in the Gold-Silver Ratio

For years analysts have been talking about a thing called the gold-silver ratio, i.e., how many ounces of the white metal you would need to buy a single ounce of its pricier cousin. It’s a quick way to look at how they are valued against each other, and it’s been fascinating to see how this relationship has changed so dramatically over the decades.

For most of history, it was set at around 15:1. The 20th century changed things, and the average was around 47. Today, it’s more likely to be in the 80s. That could mean one of two things:

  1. a) Silver’s days as a store of wealth are over and it is becoming much more of a risk asset like other commodities where you have to look first and foremost at supply and demand.
  2. b) There’s going to be a correction on the horizon and when it happens, silver owners are going to make a killing.

Setting aside the long-term implications, both scenarios are promising, as the metal enters a looming supply crunch. In the second scenario, historically the gold-silver ratio has closed during bull markets and widened during bear markets, and both metals now seem poised to start moving swiftly upward.

If you’re convinced, here are some tips for investing in silver you should read before you buy. They explain why supply is shrinking, what’s behind growing industrial demand, as well as how to buy silver at affordable prices and store it.

Get ready for the inevitable. When the next recession hits, fear-driven investors will head for precious metals.

Think About Your Taxes While Working Your Side Gig

To make some extra money to put back into your savings account, take a nice vacation, or just meet your financial obligations, you may take up a side gig. From giving people rides or becoming a freelance graphic designer to delivering groceries, it’s easier than ever to make extra money on the side. While you’re enjoying the freedom and income that comes with a side gig, be sure you don’t forget about the IRS. You can be sure they won’t forget about you.

Keep Close Track of Your Earnings

Create a spreadsheet that you use to keep track of all the money you earn from your side gig. Depending on the gig you have, there could be an app that makes tracking your earnings easier. Either way, it’s your responsibility to note every penny you earn. The IRS is most certainly doing this on their end, and you want to ensure both your tallies add up to the same amount. At the end of the year, note how much you’ve earned so you know what to put on your 1099 tax form.

Familiarize Yourself With Your Expenses

Besides how much you earn, you should also keep track of what you spend during your side hustle. For example, if you use a ridesharing app, note how many extra miles you put on your car, the depreciation your car experiences, and even how much you spend on things like gum or bottled water for your passengers. There could be tax deductions you can take advantage of that lower your tax bill. To help with this, sit down with a professional from the Tax Group Center team. That way, you know beyond a shadow of a doubt what you can claim and what you can’t.

Know How Extra Earnings Impact Your Personal Taxes

While you’re speaking with a representative of the Tax Group Center, be sure to ask how your side gig earnings could impact your personal taxes. For instance, there could be a tax credit you no longer qualify for as a result of your supplemental income. If you’ve picked up a side gig to help put your kids through college, your efforts could inadvertently backfire in terms of eligibility for financial aid. Figure out how to balance things so that you reap the most financial reward without wasting your efforts.

Pay Quarterly Taxes

If you’ve never worked for yourself before, then you likely aren’t used to paying quarterly estimated taxes. What that means is you estimate how much you’ll owe in taxes in a single year and break that total down into four quarterly payments. Making estimated payments to the IRS allows you to sidestep penalties and fees for failing to make them in the first place. If you can, pay more than you think you need to. If you overestimate, you’ll get a refund, much like you do when a regular employer handles your taxes. If you underestimate, you’ll owe money when tax season rolls around, and you’ll have to pay additional penalties.

Open a Side Gig Account

It’s best to keep your regular income separate from your supplemental income. Doing so makes it easier to keep track of how much you make from your side gig, and it also makes it easier to take care of quarterly estimated payments. Specifically, once you note how much you earn, figure out a percentage to put into a savings account for your quarterly taxes. The rest of the money you can deposit into your regular checking account to spend or save as you see fit. Simply dumping your extra income into your regular checking account can make for a messy soup.

It can be exhilarating to see how much money you can earn from a side gig. Just make sure you have a tax plan for your earnings; otherwise, your exhilaration can curdle to frustration.

The Top 10 Work Values Employers Look For In 2019

In today’s world, everyone has to work, be it going to an office everyday, working from home or taking in passive income. If there’s no income, you would be pretty restricted. However, if you are already facing financial difficulties, you can opt to take a loan using a reliable personal loan comparison tool . Nonetheless, investing in yourself and your skills is key. One funny thing about the recruitment process is that when you carefully read various job ads, you would think that employers strictly look for individuals with specific types of experience. Nearly every job ad contains a long list of essential requirements such as obscure industry certifications and decades of experience with certain tools.

The moment you get to a job interview, the entire picture changes. Organizations are looking for specific work values that may not be listed in the job description or ad. They need responsible and self-directed people. Surprisingly, no one will ask you to list your top five or top ten work value. Rather, you will bring those values through the specific answers to different interview questions.

Even the stories you tell during an interview will always bring out your sterling work values. While you don’t have to talk about those unique qualities, they will shine through once you let them. Here are the top ten work values and attributes that employers are looking for.

1. Responsibility and dependability

Organizations value workers who come to work on time, handle their duties at the right time and are always responsible for their choices, actions, and behaviour. It is essential to keep your supervisors abreast of all changes in your daily schedule or if you are likely to be late for some reasons. Besides, you should keep your supervisor or superior informed on how you are handling all the tasks you have been assigned. Being responsible and dependable shows that you value your job.

2. Ability to point to success at work

If someone asks you, ‘can you tell a story about a time you felt triumphant?’ What specific stories from your past are likely to spring in your mind? Here, you are supposed to talk about your successes and prove that you can always point successes in a project. You don’t have to have climbed Mt. Everest or competed in Olympics. Just tell simple stories regarding saving the day at home, at work, or even in a volunteer situation.

3. Being proactive

Most workers wait for orders or directions at work, but there are individuals who are proactive and don’t wait for orders. They figure out what needs to be done and simply jump into action. Business and other employers want to hire individuals who will simply get things done.

One way of illustrating this work value is by enquiring about the work that you will be doing. Sadly, most job applicants don’t do that. Asking questions (when appropriate) show that you have been thinking about the entire job description – and your employer will really appreciate it.

4. Strong work ethic

Managers values workers who possess the willingness to work towards achieving the organizational goals. That means mastering the most effective way to complete projects on time while maintaining a positive attitude.

Sometimes, going an extra mile to get the job done is a good way of showing your manager that you have good time management skills and you never waste your employer’s time attending to issues not related to your job. Remember, downsizing in the current job market is common and it’s essential to know and keep the work values that employers want. Whether you are preparing for a job interview or you simply want to maintain your current position, it is always good to maintain a strong work ethic.

5. Self-confidence

Throughout history, self-confidence has always been the critical difference between someone successful and someone who isn’t. An employee with self-confidence can inspire others. Such a person is never afraid of asking questions about areas where they require insights.

A self-confident people do what feels right and are always willing to take a risk if it’s worth the effort. They admit their mistakes, recognize their strengths and weaknesses. They are also willing to correct their mistakes and work on their weaknesses.

6. Honesty

So far, there has been enough corporate scandals to decorate front pages of newspapers. Employers want honest people who can help build a strong brand and keep the entire corporate image positive. Finding an honest employee with integrity is a priority for employers. They need someone who can live up to their values and ideals – there’s nothing wrong with showing the positive attributes you live by, particularly if they align with the organization’s mission and vision.

7. Good teamwork skills

All organizations rely majorly on teamwork to achieve both short-term and long-term goals. As an employee, you must be able to collaborate with other people and handle a project to its completion. If you have been called for an interview, get ready to convince your interviewers that you are a good team player.

8. Loyalty

Employers are looking for workers they can trust fully and who exhibit loyalty to the organization, and the competition to retain this talent is very high. Organizations appreciate workers who aren’t hopping from company to company. Rather, they need an individual who understands his or her career path and is interested in building an outstanding career with their organization.

9. Motivation to learn and grow

The advent of technology has initiated a never-ending evolution in the workplace. This has prompted employers to seek workers who are interested in expanding their knowledge and keeping up with developments in their specific fields. Learning new techniques, skills, and theories through professional development can keep the company you work for at the top of its industry. Besides, it can make your job more exciting.

10. Ambition

Being ambitious simply means you have the objective of getting stronger and smarter in your life. Sometimes, it could imply moving up the corporate ladder, launching your own brand, or even going off the grid for something entirely new. Organizations are looking for ambitious people.

Good work values and attributes are what makes the right foundation for an outstanding employee. Your efforts to practice professional ethics at work, honest, proactive, self-confident and other desirable work values can make you a better employee.

4 Times It’s a Good Idea to Speak to a Financial Advisor

In recent years, DIY money management has become more commonplace. Today, it’s not difficult for anybody to draw up a budget, pay their taxes on their own, or even come up with and follow a plan for investing money for their retirement, thanks to a wide number of money management tools and apps coupled with a vast amount of information freely available online. However, there are some situations where it still makes sense to hire the services of a financial advisor. This is a professional who can provide you with expert guidance in many areas of your finances such as retiring, investing, purchasing property, and much more. Here are some situations where it makes sense to consider hiring a financial advisor.

#1. Getting Your First Job:

Whether you are earning $10,000 or $100,000 per year, getting your first job is a great time to start thinking about speaking to a professional about your finances. A good financial planner can offer guidance on how to best begin saving for your retirement from as early on as possible and help you with putting together your first budget, particularly if you have a large savings goal in mind, such as purchasing your first home. In addition, they may also be able to provide you with valuable advice on how to maximize your employer’s benefits package.

#2. Getting Married or Divorced:

If you are starting a new married life together or ending a marriage, the financial side of things can quickly get messy if you’re not sure where to begin. A financial advisor can help you determine how to best manage your money as a married couple, whether you’re planning to share all or part of your finances or keep your money separate. Or, if you are getting divorced, these Minneapolis financial advisors can help you ensure that you get your share of all finances and assets.

#3. Receiving a Large Sum of Cash:

Have you been lucky enough to receive a windfall of cash, whether it’s a gift or an inheritance? Whether you’ve been left a large amount of money in the will of a relative, have received a gift from a parent, been awarded compensation or have been paid a big bonus at work, a financial advisor can help you put together a sensible plan for what you are going to do with the cash.

#4. When You Have Children:

Finally, it’s good to bear in mind that starting a family often means major financial adjustments. For many couples, this life event also signals the beginning of estate planning, with many feeling it is now time to put together a will or a 529 plan. In addition, expanding your family may mean that you would like further advice on setting up trust funds for your children or on saving now to invest in their college education in the future.

You may also want to consider speaking to a financial planner if you’re thinking about retirement, want to pass on your wealth, or if your financial worth is increasing.

Why Hiring a Divorce Attorney Is Important When You Have Kids

Going through a divorce is a sensitive matter that should be approached with caution. It marks the end of a commitment that most thought would last a lifetime. To many, it is the last option after all other options trying to salvage their union fails, and it might be hard to let go. A divorce where kids are involved in complicates matters. Before a divorce is granted, the children’s welfare is always addressed first. Contentious issues mostly surround the custody and support the children should get. When you are in such a situation, you need to hire a competent divorce lawyer, and these are the reasons why:

1)    Expert Advice

You might have your divorce figured out in an agreement or on your own, but that might not be the best decision. Emotions or your current situation might also contribute to your choices, and this might cloud your judgment. Selfish acts leave your children at a loss, and they end up suffering. A divorce attorney in New Jersey gives you an expert’s advice, and this helps you make rational decisions. They also advise how to proceed with the divorce and ensure your kids come out unscathed from the situation.

2)    Better Terms

Children do not have to suffer just because their parents are no longer together. Having a divorce lawyer negotiate terms on matters about the children is essential. Parties involved carving into their partner’s demands to avoid conflicts or out of fear. Others use their financial capabilities as a means to oppress the other party, and they end up taking only what is floated as child support. A divorce lawyer will help you get the very best for your children. They help you determine what would be best for the children and even help to ensure it is enforced as some bail after an agreement is reached amicably.

3)    Fear of Violence

Divorces are not always smooth and on mutual understanding. Some people might find it hard to let go of their spouses, while others do not want to be separated from their children. Others are violent, and if the other party does as much as mention it, they might end up with a beating. Many people have reported having stayed married despite the need for divorce for fear of their spouses taking it out on their children. A divorce lawyer can be your representative when the proceedings take place and during all negotiations. This helps reduce hostility and reduces the chances of violent confrontations.

4)    Change in Circumstances

You might also need a divorce lawyer if the circumstances surrounding you and your spouse change. Some people change their statements and minds once they get to the judge and this complicates things. Others alter the content agreed upon before signing. Additionally, marital, health, and financial status of the parties involved might change. This might force the divorce proceedings to take a different direction. A divorce lawyer might come in handy as they ensure that the children do not bear the brunt due to these changes.

Advantages and Disadvantages of Buying Silver Bars in 2019

Silver has been an integral part of human activity for thousands of years. Although gold gets all the attention as one of the original stores of value, it’s silver that everyday people used for exchange for thousands of years. Its history as money isn’t even that far in the past: the last U.S. coin that contained silver was minted in 1964.

Today, the metal’s role in the global market has changed. The metal has become more of a commodity thanks to its widespread use in solar panels, computers, smartphones, and medicines, but like gold, it has also become an investment vehicle. If you don’t own it already, you may want to know if silver is a good investment for you. It’s time for you to learn about buying silver as an investment and whether or not it belongs in your portfolio.

Advantages of Buying Silver

#1 Silver Bars Are Safe

Silver is a safe investment. Compared to fiat currencies, its much better at retaining its value. It’s also a fear-driven investment. Volatile stock markets send investors on the hunt for alternatives. Its responsiveness to a crisis makes it an essential part of a diversified portfolio.

#2 Silver Is Undervalued

Silver is a great bargain right now with a lot of growth potential. Investors use the silver-gold ratio to determine how well-valued each metal is in the moment, rather than comparing it to past dollar values. That’s because the two metals have had such a historically close relationship.

Right now, the silver-gold ratio stands around 85, i.e., one ounce of gold would net you 85 ounces of silver. That’s a historically high ratio, not seen since 1995. However, in both 1984 and 2011, the gold ratio went below 40. Both of these occurred at the peaks of precious metals bull markets. The metal could prove a big opportunity for making money.

Disadvantages of Buying Silver

#1 Storage Costs

Unlike other investments like stocks or treasuries, owning bullion can be a little more expensive. You need a way to store bars and coins. That may be a safe in your home, precious metals storage at the bank or allocated storage from a third-party. Many dealers provide storage services like these.

If you’re storing silver at home, you have to mitigate the risk of theft or damage with insurance. Your standard home insurance policy likely has strict limits on gold and silver bullion coverage. Insurance costs will also be built into any off-site storage solution.

Nevertheless, the absence of third-party risk in silver may make the carrying costs worth it.

#2 The Volatile Downside of Silver

Silver’s volatility is a double-edged sword. In a precious metals bull market, undervalued silver has a higher upside than gold. Silver prices will grow faster than gold and deliver a better return if you exit at the right time. Volatility can also cause prices to fall faster at the end of a bull market, and it is notoriously difficult to time commodity markets.

Weigh the advantages and disadvantages about owning silver. It has a place in any diversified portfolio.