Are you annoyed at how large your monthly mobile phone bills are? Are you looking into ways in which you can lower your quarterly landline telephone charges? Is the amount you are paying for your gas and electricity increasing to an unaffordable level? In this article I describe about the ways in which you can go about lowering these charges. I hope you find this article interesting and of benefit to you.

I am sure that many of you have been stopped in the street before by one of the large band of people who ask if we would like to switch service providers for our telephone, electricity or gas. You may have had people knocking at your door or even making a cold call via the phone, asking you a similar question. These people are often seen as a hassle and a bit in your face. I must admit I see them in this light as well.

There are however some very good companies out there which provide a superb service without resorting to these annoying tactics. A simple search on the internet for key phrases such as lower telephone bills or talk for less, can often lead you in the direction of these particular companies.

Many of my friends and family have done this and have told me how happy they are with their new but largely unknown provider. I am myself in the process of finding a new company to switch to, as the days when one large firm has a monopoly on these services is over.

You may think to switch is one big hassle, that you will need to change your phone number for example. This could not be further from the truth as in most cases you are able to keep your original number and to change provider is quite a simple procedure.

You may also think that the service that the new provider offers may not be as good as what you currently are getting. From what my friends and family who have already switched have told me, the service they have had thus far has been nothing short of superb.

Some of the companies also offer the benefit of having all of the electricity, gas and telephone charges on the same bill. This can be of use to people when trying to budget for every month.

There is a lot of competition out there today and there are some great savings to be made. It is just a matter of going out there, making a few calls, sending a few e-mails, and making a few searches on the internet.

Stephen Hill helps to promote a number of websites including:

lower mobile bills

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Learning a language can be easy. It all depends in how you approach it. When you are learning the hardest part is getting your brain to naturally recognize and adapt to another way of thinking. That is the big issue, training your brain to think in another language. However, there is an easy way to learn Spanish. The trick is getting your brain to think in English and Spanish.

There is a secret to learning Spanish and the secret is to not think about how hard it is or how easy it is. It is all about the process of learning. When you enjoy something, you learn the ins and outs a lot faster than when you do not like what you are doing. An easy way to learn Spanish is to just forget how long it takes to learn it. Forget about how hard or easy it is and forget how much you are learning. As the saying goes do not think about it just do it.

Here is an easy way to learn. You first need to develop a strong basic knowledge of Spanish. Build up your own individual foundation of the Spanish language. This will give you the ability to have a basic conversation in the language even with those that speak it fluently. Use a study course to guide you through the first principals of the Spanish language that includes both the basic and intermediate vocabulary and conversational techniques. This is an easy way to learn.

After you are comfortable with this phase of learning Spanish start to learn more thoroughly use a course that will build you a solid foundation with knowledge and technique. This will better enable you to communicate in your new language.

Once you have completed your course start practicing the language on a regular basis. Preferably with fluent speakers. This will enable you to hone your language skills and give you the ability to make your foundation more solid with natural progression. This is an easy way to learn Spanish.

Remember, practice, practice and practice some more. Speak the language as often as you can with people who can reply to you in the language. If you have children that are learning the language in school this gives you an excellent chance to practice while helping them learn as well. This is an easy way to learn Spanish.

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Were so used to thinking that business is all about margins and bottom line ink that we sometimes accept dictums without thinking about their content and implications.

Take customer service for instance. Each transaction is an implicit contract between two suppliers each offering a very specific item (and Im using the term item generically here to include both services/products and currency). The customer comes offering currency and asking to exchange it for a service or a product.

Under the very sound criteria of the old medieval village marketplace barter system the customer is prepared to haggle and expects to get the best value possible for what he is offering. In this case its money so the quality of the customers offering is determined by the size of the price he is being asked to pay.

At this point the customer will want, like his medieval counterpart, to make sure he is not sold a sub-standard service or product. Some sort of exchange will take place explaining what he will get for his money and what guarantee comes with it.

So far, so good. Everything is cosher and everyone understands what theyre supposed to do. Then, spoiling things a little comes the blind dictum of customer service professionals who think that a kneejerk reaction is always the key to providing good customer service: The Customer Is Always Right”.

Admittedly there is good reason why this evolved in the first place. The medieval market place did have a certain notoriety for lack of customer complaint departments and a surfeit of edged weapons so something had to be done to avoid the cleaning up that had to be done after each time claret had been spilled.

So, The Customer Is Always Right” and The Customer Is King” were born. Like all good ideas these made sense (and they still do) up to a point. Like all good ideas they require a certain degree of common sense in their application.

Were prepared to raise gasps and eyebrows because we really believe that we provide better customer service by thinking that the customer is not always right and he is not king!

Lets take web design for example or even newspaper and magazine publishing these are highly skilled, specialized services we offer to our customers and, in exchange, we ask for their money. As in every barter system (even a monetized one) a certain amount of haggling takes place. We explain in detail what we do, why and how much we charge, the customer cherry-picks some services, discards others and, of the ones accepted, tries to squeeze as much added-value as possible. So far so good. We each know where we stand.

If things should go wrong (slippage in delivery schedule, a logo that the customer does not like, a website that needs some tweaking) were prepared to listen, explain and deliver.

And now it gets a little grey.

Because the customer is paying for a highly skilled, specialized service we make sure we listen carefully, ask the right questions and work hard to provide the right product. This is not unlike the medieval village swordsmith asking you what you will use your sword for. If all you want is a dress-piece, you need something lightweight and showy. If youre going to do some pillaging on the other hand you really need a sturdy piece that will not let you down and the village swordsmith will explain this while hes making it for you.

Its the same with us. The customer may have an idea of what he wants it does not mean its exactly right for the job. Delivering a specialized product that will be the best possible in the field our customer is sallying forth in, is, really, our job.

While were prepared to listen to every customer complaint to blindly accept, without thinking, that the Customer Is Always Right” and The Customer Is King” is tantamount to committing professional suicide. Like the medieval swordsmith of our example, should he have given in to customer demand and produced a lightweight, showy piece for the battlefield and a heavy-duty, business-meaning broadsword for the drawing room dance floor, hed find that not only would he be losing customers (quite literally) but would also be gaining a bad reputation for his services.

Customers come to us because were really good at what we do. Were grateful for their custom and take care to treat each one the same way wed like to be treated as customers ourselves. We listen, we think, we deliver beyond expectation.

We also protect them from themselves.

That is why we have ten reasons which explain why customers should choose us beyond everybody else and, at the same time, decide not to work with us and choose someone else.

Our ten reasons for and against working with us:

1. We dont use templates in any of our work. Everything we do is built from the ground up, centred around the unique selling point (USP) of your business and designed to enhance it.

2. We will carefully listen to everything you tell us about yourself and your business.

3. We will ask you deep questions about your business, your intentions and your designs in order to understand how to best help you achieve your aims.

4. We will work hard and fast to give you a cutting-edge product and unparalleled service but will not water-down quality to fit in with your pre-conceptions of what you should get or the speed at which you should get it at.

5. We will ask your customers to buy your services or products based on intelligent choice. In fact intelligence, thought and choice are the central themes around all our campaigns, products and services.

6. We will work hard to make sure your business stands above your competitors and well expect your products and services to more than stand up to close scrutiny.

7. We work across timezones and our design teams work the project, not the shift. We will contact you, on occasion, after hours.

8. We work cost-effectively, putting time, effort and money where it brings the best results to each project we take on.

9. We will explain in detail everything we ask you to accept in terms of content or design.

10. We push the development envelope with each project we take on. We want it to be a leader in its field, not a follower of the crowd.

If customers are comfortable with these then they will be happy to come to us safe in the knowledge that what we give them is empowering, a true asset to their business and something they can rightly have faith in and be proud of.

Conversely, if they are unhappy about them then these are ten reasons for choosing not to work with us. The acceptance of a customers money is a mutual contract we take seriously. We exchange items: they give us money, we give skill and knowledge in return. It is wrong to think that by applying a blind dictum and giving each customer exactly what they want we would be giving good customer service.

We know that the quality of our customer service is a direct result of our relationship with our customers. We always work hard to make that relationship grow and never treat a project or a customer as a one-off. To that end, like the medieval swordsmith expecting to later sell heavier armour and sword-sharpening services to his more successful customers, we work to maximize the value of each customers transaction with us.

The application of common sense and intelligence make for better customer service than the blind obedience and automatic lip service to a dictum that, these days, is applied in such a blanket manner that it often results in sub-standard services and short-changed customers.

Were prepared to believe that our customers are intelligent, committed and as driven as we are. When they argue for something they need it for a specific reason and we always listen and advise giving our own, intelligent, reasons for everything we say.

This way doing business, with us, makes more senseand no claret is spilled!

David Amerland is the manager of Web Design That Works a web design studio dedicated to offering cost-effective, high-quality web design to small business. He is the CEO of Amerland Enterprises Limited, a print and digital content company whose activities range from producing controlled circulation publications to creating high-end eCommerce websites for corporate clients.

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If you’ve been considering debt consolidation to consolidate your debt, one of the biggest threats to the success of your debt mangement is a sales person who encourages you to borrow more than you need.

In the past, this practice of encouraging people to borrow more than they needed was always suspected, but now all that has changed.

During the past week, leaked documents showing the commission structure offered to salespeople have left two major banks facing acute embarrassement.

The reports, leaked from the Royal Bank Of Scotland and the Natwest, consist of commission tables showing how these large organizations encourage their staff to sell big personal loans, mortgage loans and profitable insurance policies to accompany them.

So what!

These sales people have to learn a living.

But now we come to the important part of the leaked documents. The incentive tables allow them to earn a disproportionate amount of commission for selling larger loans and loans that are covered by insurance.

So it doesn’t take a whole lot of imagination to work out that the staff may try to lend you more than you actually need, or get you to take repayment insurance that you could do without.

Just take a look at one of the commission tables;

SIZE OF LOAN ()/Commission Points Without Insurance/Commission Points With Insurance

20000+ / 270 / 590
15000 - 19999 / 220 / 500
13000 - 14999 / 180 / 430
11000 - 12999 / 165 / 380
9000 - 10999 / 130 / 310
7000 - 8999 / 100 / 240
5000 - 6999 / 60 / 160
3000 - 4999 / 30 / 90
1000 - 2999 / 10 / 35

And their customer service advisors can earn a 1200 quarterly bonus provided they earn 2700 commission points a week for the three month period and their branch achieves its quarterly targets.

So if they sell a loan without insurance for 2500 they get 10 points. But if they sell a loan for 3000 (20% more) they get 30 points (300% the amount of reward points!). So it’s certainly in their interests to convince you that you need to borrow more.

But the potential problem becomes even clearer when payment protection insurance is taken into account.

Sales people can earn up to three and a half times more commission points just by getting the customer to take payment protection insurance to cover their loan.

Why? Because in many cases, the banks earn more money from selling insurance than they do from the interest they receive on lending money.

If they sell a 3000 loan they get 30 loyalty points, but if they manage to tack insurance onto the loan, they gain 90 commission points.

Now let’s put that into context. If they want to meet their weekly target of 2700 points, they would have to sell 90 loans of between 3000 and 4999 without insurance.

But if they managed to sell insurance with these loans, they would only need to sell 30 of these small loans to meet their targets each week. That’s quite a reduction in workload.

And if they managed to increase the size of each loan to 5000 with insurance (160 points each), they would only need to sell 17 loans each week to meet their commission target.

So when the banks claim that their products are sold appropriately, I don’t belive them.

These sales people are trying to make a living and no matter how much integrity they have, these commission tables must be floating around their subconscious thoughts influencing the loans that they try and sell to the public.

And these leaked reports are probably just the tip of the iceberg. Banks and financial institutions all around the world operate using similar principles, so there’s no reason to think that other sales people aren’t working on a similar commission system.

So when you need to consolidate your debt, take great care. Know how much you need to borrow and don’t let anyone “show you how you could borrow more but pay less”. Always remember that they may have a commission target to meet.

Work out how much you need to borrow to consolidate your debt and stick to it. If you can do this your chances of financial survival will increase dramatically.

by Stuart Laing

Copyright (c) Get Out Of Debt.

Have you been struggling with debt for as long as you can remember? Are you ready to do something about it? Visit http://www.icanhelpyougetoutofdebt.com for free, impartial information on how to reduce debt.

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Why should perfectly good hair begin falling down? When they do begin falling, we worry endlessly and try to find remedies. What are the reasons for hair fall? Let us try and find out as many of them as we can and find out how to stop that.

Hair loss - some reasons

The main reason other than genetic or a disorder is mishandling of hair. When we have good hair, we want to experiment with that. We get it colored. Go for perming. Get other heat and chemical treatments done to look good. Every treatment that changes hair does it by hurting the cuticle. After many treatments the cuticle cannot take it and breaks down. The cortex (inner part of hair) also fails and hair breaks. If the chemicals reach the pore and destroy the follicle growth there, you lose the hair.

Chemotherapy in cancer makes one lose hair. That is temporary and because of the therapy. After sometime the hair grows back. Some medicines cause hair loss. If you are on medication and are suffering hair loss, please ask your doctor about possible connection. Diet is another reason. Low iron or proteins may cause hair loss. Women lose hair after pregnancy but get them back. Unless you are suffering from alopecia aerta or genetic hair loss, you can easily find out the reason and rectify that. Please talk to your doctor about any supplements that can help you have healthy hair. Also discuss possible reasons specific to you for your hair loss.

This article is only for informative purposes. This article is not intended to be a medical advise and it is not a substitute for professional medical advice. Please consult your doctor for your medical concerns. Please follow any tip given in this article only after consulting your doctor. The author is not liable for any outcome or damage resulting from information obtained from this article.

Learn more about hair loss here.

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When you bring up the subject of vacation with your kids, there is usually one of two responses; either they want to go to Disneyland for the third time or they want to take an exotic trip that Indiana Jones would consider an adventure. You dont want to take that repeat vacation; you want something different but also a vacation that is not stressful. As parents you have the task of figuring out what is best for the family while at the same time satisfying everyones dream vacation. Since children dont have the experience or insight that you have, many times they dont know what they will like. Trekking through the jungles of Thailand sounds fun and exciting to your child but you know that the first night of sleeping in a jungle will be the last.

Cartoons with cute, talking animals such as Lion King spark interest in your children for an African safari. Some parts of Africa should be avoided but many areas are family friendly and can provide an adventure without needing machetes or trekking through miles of dense jungle. You can even sleep comfortably under the stars if you are willing to spend more money for fully catered meals and tents that are far from basic.

Even though Africa is a big safari draw, you should also consider Central America for a nature adventure. Costa Rica and Belize provide an amazing array of flora and fauna and the airfare is significantly less than a trip to Africa. The added benefit of Costa Rica and Belize can be a rest from the jungle at the many pristine beaches.

Asia is becoming a top choice for families seeking a holiday that is both interesting and affordable. Beijing, Bangkok and Kuala Lumpur are not only interesting and family friendly cities but they are inexpensive compared to western cities. The Great Wall and the temples of Thailand are impressive and so much more interesting in person. Sites in these big cities allow your family to enjoy the culture but also retire to your comfortable hotel room so your exploration is not too stressful.

European cities offer the best combination of family-friendly and culture however there is a higher price tag. Museums and tourist attractions in Europe offer family discounts and sipping an espresso after climbing the Eiffel Tour has a big draw for parents while keeping the children amused.

Since international travel requires passports and generally long flights, you may want to consider destinations that are closer to home. Hawaii, for example, offers sun, beach and hiking so while youre sipping your Mai Tai the kids can swim at the pool. As an added attraction there is no language barrier and flight discounts are often available to make your vacation more affordable.

Its often a compromise to find the vacation that suits your entire family but a holiday with children doesnt have to be the tried-and-true theme park. With some research and planning, exotic destinations that cater to families can be found to delight both you and your children.

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Are you interested in learning the Italian language right in your own hometown? There are several options that you can explore to find the Italian classes that are just perfect for you! First, you should consider whether you would you enjoy the interaction that takes place among students in group classes, or if you would prefer the one-on-one attention of a private instructor.

1. Group classes at community colleges: One way to learn Italian in your hometown is to find a community college that offers Italian classes in your area. The internet can be an invaluable resource and with a few clicks of the mouse you can identify exactly where there are Italian language courses available. For example, if you live in the U.S. you can go to www.community-college.org, where you will find a complete directory of all of the community colleges throughout the country. Many of them offer evening or even online classes! Simply pick the college or colleges that can be found near you and check out their curriculum.

2. Group classes at a private school or institution: Another approach would be to find an independent language school where you can take group lessons. Do you have a Berlitz near you? How about an Inlingua Center? A great way to find the best schools in your area is to talk with people in the Italian community where you live! Many Italian communities even have websites that link to valuable resources. For example, you can find out about the Italian community in Washington, DC at www.italcultusa.org, in New York at www.italcultny.org, in Chicago at www.iicch.org, in Los Angeles at www.iicusa.org or in San Francisco at www.sfiic.org. You can find an Italian community near you simply by going to www.google.com and typing in Italian community in (Your Hometown).

3. Private lessons: Not convinced that college classes or group lessons are for you? While group classes are more interactive and dynamic, you get less of the teachers attention. So, how about taking private classes? There are many ways to find a good instructor. For example, you could post a free in search of Italian instructor ad at Craigslist - www.craigslist.org - if you live in an area that the site serves. Or, you could place an ad for free in a local newspaper or journal.

Italians take great pride in teaching their native language to non-native speakers, so simply by reaching out and asking questions, you are sure to find plenty of good advice and helpful people. Buon divertimento!

Mindy Prian is the Site Administrator of http://www.impariamo.com, a warm, welcoming community of people from all over the world who interact with one another to improve their Italian language skills.

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Huge monthly outgoings are certainly painful as your limited resources are put under much stress. Hence, you should take adequate steps to reduce the amount of payment that you are making each month towards old loans. One solution could be to avail secured personal debt consolidation loan that is especially carved out for the purpose of getting you out of the trouble. However, even these loans should be taken with care, or you may incur more debts.

You can pay off the balance amounts towards your existing personal unsecured loans, credit cards and store cards through these loans. Thus all your existing loans can be brought under single low monthly payments. In doing so, the advantage is that your monthly outgoings are substantially reduced. You can replace your existing loan of high interest rates by the new loan that comes at low rate.

Secured personal debt consolidation loan is provided at low rate of interest, which is ideal for reducing the burden of monthly payments. The rate is low because the loan is given against your home or any other asset. Not only that, these loans can offer you greater amount in the range of 5000 to 75000, keeping your existing loans in mind. What is more, while you get rid of the old loans, the new one can be conveniently repaid in 5 to 30 years. However, avoid borrowing the money for larger duration, as this may involve high interest payments in the end.

Interest rate may be a little higher for bad credit borrowers who have a history of late payments, defaults, arrears and CCJs. such people should apply for the loan with an improved rating. They should take out the rate quotes for making an extensive comparison of number of lenders, who are providing secured personal debt consolidation loans. Make sure that such an offer comes at fewer additional charges also. Ensure that you are repaying the installments of the loan in timely manner on due date, if you want to save your home from repossession.

Johns Tiel holds a master degree in Commerce from JNU. He is working as financial consultant in Chance For Loans. To find Secured Personal Debt Consolidation Loans, cheap rates, personal loans that best suits your needs visit http://www.chanceforloans.co.uk

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It is well known that buying anything at wholesale is going to cost less than buying retail. Wholesale jewelry is no exception. Wholesale jewelry is usually sought by resellers running their own retail business and those in the fashion business looking for accessories to offer with outfits. However, consumers too can buy at wholesale if they know the right places to look.

One of the most important things about buying wholesale jewelry is finding the right source. Getting in touch with sources suggested by known contacts or online browsing can do this. Today the Internet is a major source of anything that one wants to purchase from anywhere across the world. Since there are many reputable suppliers with an online presence, there are plenty of good deals available for buying wholesale jewelry.

Sources where one can buy wholesale jewelry
Online wholesale jewelry stores, estate sales, divorcees selling their jewelry and at times even ebay can be good sources of wholesale jewelry. Often the newspapers carry notifications of people who are interested in selling their jewelry. It is possible to find good quality wholesale jewelry in the form of replicas of expensive designs, thus making it possible for everyone to wear them. Many wholesale jewelry stores employ artisans who can mass-produce excellent pieces of jewelry for wholesale buyers. An expensive design can be reproduced using a variety of materials and semi-precious stones making it easier for the wearer to maintain and take care of.

There are periodical exhibitions and trade shows that are another good source to buy wholesale jewelry. These can be very useful since there is face-to-face interaction with the sellers or their representatives. Also, many wholesalers offer competitive and other special offers in trade shows to promote their products and services.

Factors to bear in mind while looking for wholesale jewelry
Experts suggest that for those wondering how to buy wholesale jewelry, the best thing to do is to find a reliable supplier who imports it from a several sources from all over the world. This will not only ensure variety, but also low prices. Supply will more or less be assured with new designs and items consistently.

Variety in design goes hand in hand with variety in types of jewelry while buying wholesale jewelry. This includes items like bracelets, rings, toe rings, necklaces, earrings, anklets, and other body jewelry items like stone-studded belts, valuable key chains, hair accessories and so on.

The wholesaler, with his or her exposure will be in a position to advise the buyer of what is currently the trend in jewelry. This will help the buyer to keep in tune with fashion so that there is no build up of stock gone wrong.

However, though it is important to keep up with current trends, traditional designs never go out of fashion. So it is a good investment to also go in for sterling silver and other conventional designs that are used for specific occasions.

Terms related to buying wholesale jewelry
The main thing to look for while buying wholesale jewelry is the minimum order value or quantity expected. There are times when the buyer may not be interested if the minimum specified is too high since it means high investment. With most online wholesalers, the minimum is quite low, making it reasonable to place the trial order.

The wholesaler must be able to supply from stock since the buyer may not be willing to wait until it is available. The buyer can ensure that the wholesaler dispatches his material as soon as he places his order. It is worthwhile to do some research about the wholesalers standing in the market and also ask directly for references.

There are many benefits of buying wholesale jewelry. Since there are no middlemen, prices are far lower than they would be if purchased through a regular retail outlet. Wholesalers are able to offer reasonable rates when they sell in bulk.

Marc Ilgen is an internet entrepreneur and author who writes on a wide variety of subjects. He owns a website called ClickSilverShop.com that sells a wide variety of new and preowned jewelry, including a wide assortment of wholesale jewelry.

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Over the years I have been asked by many of the attendees in my management seminars, What are the common traits of successful managers? The list is too long for any article for this website but I would like to share with you what I believe are the most important twelve. Yes there are many others, keep in mind this is just a summary to stimulate your thinking.

Why not evaluate yourself on each to determine where improvement might have a positive impact on your management style, as well as the performance and productivity of your employees. The list is in no particular order of importance.

1. The ability to foster a trusting corporate culture.

2. The ability to communicate with integrity and effectiveness.

3. Adequate and timely advance planning.

4. Effective and timely decision making.

5. The ability to lead, as well as manage.

6. The ability to maintain organizational, as well as individual, accountability.

7. The willingness to continue to learn and develop new skills and attitudes.

8. The ability to evaluate issues, challenges and opportunities with maturity and insight and see reality (what is) rather than seeing what is with blinders or ego.

9. The willingness and courage to invite dissent, objections, disagreement, creativity and new ideas.

10. The willingness and skill to create a positive motivational environment.

11. The ability to operate with creativity and vision in a changing environment.

12. Understanding what people really need and want in order to be effective, productive and happy.

There are numerous other traits of effective and positive managers and leaders but I will bet that most of them will in some way fall under the umbrella of one of the above twelve.

Tim Connor, CSP is an internationally renowned sales, management and leadership speaker, trainer and best selling author. Since 1981 he has given over 3500 presentations in 21 countries on a variety of sales, management, leadership and relationship topics. He is the best selling author of over 60 books including; Soft Sell, Thats Life, Peace Of Mind, 81 Challenges Managers Face and Your First Year In Sales. He is also the CEO of Sales Clubs Of America. He can be reached at tim@timconnor.com, 704-895-1230 or visit his websites at http://www.timconnor.com or http://www.SalesClubsOfAmerica.com

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