The other day I popped into a local watch shop because I had lost the small piece that clips the pieces of my watch band together. When I explained the problem, the proprietor said that he thought he might have one lying around.

He found it, attached it to my watch band – and charged me nothing! Where do you think I’ll go when I need a new watch band or even a new watch? And how many people do you think I’ve told this story to?

6) Train your staff (if you have any) to be always helpful, courteous, and knowledgeable.

Do it yourself or hire someone to train them. Talk to them about good customer service and what it is (and isn’t) regularly. Most importantly, give every member of your staff enough information and power to make those small customer-pleasing decisions, so he never has to say, “I don’t know, but so-and-so will be back at…”

7) Take the extra step.

For instance, if someone walks into your store and asks you to help them find something, don’t just say, “It’s in Aisle 3″. Lead the customer to the item. Better yet, wait and see if he has questions about it, or further needs. Whatever the extra step may be, if you want to provide good customer service, take it. They may not say so to you, but people notice when people make an extra effort and will tell other people.

Throw in something extra.

Whether it’s a coupon for a future discount, additional information on how to use the product, or a genuine smile, people love to get more than they thought they were getting. And don’t think that a gesture has to be large to be effective. The local art framer that we use attaches a package of picture hangers to every picture he frames. A small thing, but so appreciated.

If you apply these eight simple rules consistently, your business will become known for its good customer service. And the best part? The irony of good customer service is that over time it will bring in more new customers than promotions and price slashing ever did!

There are no magic rules that we saved from financial problems. But these tips can help avoid them in most cases.

If you have a family, everyone must participate, no one can do all the work alone. Make sure your spouse and children, understand that the family is having financial problems and they all must meet a series of steps to help them recover.

1. Make a realistic budget and stick to him. This includes a periodic check and adjustment of their numbers and spending habits.

2. Do not buy impulsively. When you see something that has not planned to buy, avoid doing so, think twice.

3. Avoid liquidation. Buy something $ 20 cheaper may mean an unnecessary expense.

4. Tailor your insurance to their abilities.

5. Buy something they can afford at the moment. Do not pay expenses in the future, credit cards can betray your budget unconsciously.

6. Avoid large rent and property payments. Consider refinancing your home if payments are difficult to fulfill.

7. Do not enter or guarantee the credit of another. Commitments forced him as if you were the borrower in case of infringement of the holder. You can not put your hands in the fire for someone else’s economy.

8. Avoid socializing with people of questionable consumer habits or their relatives. If you owe, you will be responsible for the failure of others as well.

9. Do not make high risk investments. Be conservative and opt for certificates of deposit, money market securities, etc.

10. Find alternatives to invest their money. Instead of inviting a friend to eat at an expensive restaurant, take a picnic, take advantage of public parks, libraries and put all their ingenuity to work for your family finances.

The finances online, also known as e-finance (using Anglo-Saxon words) are defined as the use of financial services and markets electronic dealing and information communication.

Why come online finance?

Online finance arise due to the need not only to streamline financial operations, but also to optimize human and financial resources invested in these processes, in addition to reaching an increasingly broad sector of the population.

As we know, modern society tends towards the generation of technologies that facilitate daily life, reducing time and costs to increase productivity and enable the enjoyment of recreational activities.

Thus, in recent years, the financial sector has begun to explore the world of telecommunications and the Internet.

At first, the use of online resources for operations and investment banking was limited by two important factors directly related to each other: the distrust in the safety of operations and poor technology in this field.

Over time, however, financial institutions have increasingly invested in creating software more secure and easy to use for their clients. This has meant that more and more users are integrated into the world of financial transactions by computer and phone, both local and cellular phones.

At the end we can say that finances are a resource online that can afford modern optimize some aspects of our lives, provided we are willing to renew every day and keep abreast of the changes that modernity brings.

The electronic transfer is the way to move funds from one account to another through an authoritative server which is usually the bank with whom we have discharged our account and passwords.

It is used by both companies and by individuals to do all sorts of services and transfer payments to third parties.

Represents a very safe way of moving money from one account to another, as it avoids having to go to the bank to deposit, especially when it comes to large amounts of cash or checks. In addition to offering access to international banks.

To get the most out of online banking is important that you pay attention to certain safety precautions such as:

* Preferably not do online banking in Internet cafes or public places where you do not know if the computer you’re using is safe.
* Look for safety signs in the bank to detect web that is the bank’s secure site and not some copy.
* It is best to go directly to the website or URL of the bank.
* You must be careful not to disclose your electronic identity, ie your passwords and account numbers to anyone.
* Keep your computer free of viruses and spyware.
* Change your passwords with some frequency.
* Check your bank balance regularly.
* Report any abnormalities to your bank.

* Check the price that makes the product to store and compare it to what the cost is on the Internet, it is necessary to add the shipping charges.
* Visit and find Web sites where possible telephone or personal contact, and show a physical address location of the establishment, plus phone numbers of customer service. Call and determine whether trade is legitimate. Ask any questions you deem necessary. If you never answer or the number does not exist, shop elsewhere.
* Take note of phone and email address for making complaints, and the procedure for their establishment.
* Pay attention to product data that appears on-line, its color, size, number of units and presentation, and compare with a photo of yourself to avoid misjudgments.
* Carefully read the conditions, such as probation, return, expenses, warranty and after-sales or technical services.
* Set a deadline or pay close attention to the already established, especially if you need the product or service for a specific date, such as during the holiday season.

Regardless of where you go to make the purchase, the vendor or Web site must provide alternatives to make your payment, so you can choose the most appropriate:

* Online payment by credit card.
* Deposit referenced in bank branch
* Pay by Phone Card
* Transfer online referenced
* Personally or by mail

After making the purchase:

* Upon completion of your order, should appear a page that summarizes your transaction, plus it is likely to receive an email confirmation. Print both documents, and a page with the business name, address, telephone number and legal terms of your purchase, and keep it until the end of the period of warranty.
* Agree on a place and time of delivery of the goods, and try to be present to receive it, to avoid delays in the time or expense.
* When you receive your order, check that there is no faulty, test it as soon as possible and make sure they are all parts, accessories and manuals.
* Investigate how to proceed if you want to cancel your purchase, once you have paid and received, and what are the costs and time limits for such repayment.
* When you finish shopping, unplug your computer. If you usually leave it on and connected to the network all day, you are creating an ideal situation for scammers who want to install malware on your computer can be controlled remotely to commit cyber crimes.

Stay alert
Review the statements of their cards as soon as you receive to make sure you have not been charged unauthorized charges. Do not ignore small amounts, although at first may think are mistakes. Fraudsters often make small charges in the accounts to verify that the credit card is in use before carrying out much larger charges.

Make all your purchases online by credit card, not only is the easiest way to buy but also if an incident occurs, the damage will be minor.

With these simple precautionary measures and sufficient, able to take care of their personal finances and make their Christmas presents on time under the tree.

As usual, we want to clarify that these are some safety recommendations, however, daily new forms of deception, so always be necessary to be aware of the newest forms of online fraud.

To identify a fake online store always check the Web address, as it may seem proper, may contain spelling mistakes in the name of the company or keep hidden links leading to malicious pages.

Unsolicited Offers
You may also reach him e-mails with very tempting offers, which may be scams, where attackers can steal confidential information from users (phishing). Never buy products that are offered by spammers or people who send email with special offers you did not order (junk mail or SPAM), or respond to an e unknown, as this confirms your email address and may be disclosing personal data to criminals such as name, address, phone number and even the number of your card credit.

Beware of mail
Often fraudsters send emails that appear to come from legitimate companies, but tell recipients to click on a link address, in an attempt to obtain your personal information and facilitate identity theft or other crimes. Clicking on a link in a fraudulent email could install spyware onto your computer.
Never provide personal details via email, as this information is not encrypted or protected and can be forwarded without your permission. Disclose data like this jeopardizes their safety and that of his family.

How to check security
To achieve a rewarding experience to do their Christmas shopping over the Internet, pay attention to the following:

* Ensure that the electronic address (known in English as the URL or Uniform Resource Locator) of the page where the payment to be made in the letter s protocol (https or shttp) and in the bottom right in status bar icon has a padlock or an unbroken key, which means that information indicating that the purchase is encrypted or protected and therefore it is operating in a safe place.
* Check in the same way the seller’s reputation scores in the forums or other buyers have made it.
* Buy only known sites and protection technology, or programs.
* Choose auction sites or sales of second hand with cash on delivery option
* Avoid using money transfer services that allow verifying the identity of the counterparty.
* Analyze the price of the product and compare it with similar. Brand items offered at very reduced prices could be counterfeits.
* Do not buy illegal or dangerous items.
* Beware of bargains and oversupply that do not offer guarantees. Do not believe in promotions and gifts “extraordinary” company to which they have not shared their data.
* Use your common sense or intuition. If you detect any abnormal situation on the site, such as excessive spelling and grammar, an improvised or inefficient system design, incredibly low prices, or do not have contact information or identification, report to the Federal Consumer Protection Agency.

The most popular items this holiday season may have increased the cost in stores, so do the Christmas shopping over the Internet can be a good way to save time, money, gasoline and even energy, avoiding crowds and last-minute setbacks .

Virtual stores are open 24 hours a day and offers images and technical information products, in addition to establishing various mechanisms of delivery and payment. You can consult the manufacturer’s website or brand to know all the characteristics of the product before buying it, and several sites offering to compare models and prices to make a purchase reasons.

Secure online Christmas
The main reasons that users have for online shopping are convenience and price, together with the large existing supply. In addition, sometimes the network of networks is the only way to acquire certain products and services.

The online buying process is so simple that some people causes some mistrust, because we are accustomed to dealing directly with the seller, a process of bargaining and exchange of securities and in this case, the process is simple: bank details are entered on a form, you press the buy button and the product is expected to arrive home. However, this procedure is not without shortcomings or problems, including incorrect charges or delivering products or services that do not match what the website offered.

This, combined with being exposed to possible fraud, identity theft and attacks by crackers, make that a buyer should be more attentive mail in the stores that are not virtual, so it is necessary to know all the risks and measures security necessary to make a purchase more effectively.

To avoid economic hard times and losses, it is necessary to ensure that the site where we make our purchase or possess some features of computer security standards before you click the buy button.

To say the least possible
Most retail sites require users to register on the site (log-in), capturing an alias and a password. You may also request real and personal data in some form, in addition to their recreational habits, or an estimate of their income.

It is advisable to provide only the information strictly necessary. Fill only required fields are marked with an asterisk (*) and where necessary be sure to protect your identity. Never answer a question that you may not consider appropriate for the transaction. If requested as mandatory, not provide it and find another place to make your purchase.

Read the privacy policy
The register may have other questions that are not mandatory, that supposedly can be filled to form part of a customer database, but you have full right to know how we use and share personal information you provide.

Read the “Privacy Policy” before registering somewhere and make your purchase, and avoid taking terms indicating that your data will be sold to third parties, as these can be used for commercial purposes unfriendly, such as sending mass emails (spam), direct mail or unwanted phone calls.

The most common ways to make money online are:

* Earn money with surveys. Most Hispanic-speaking people who want to start a life more profitable through the internet start to make money with online surveys. This is the ultimate option for those who want to earn extra money and now many Latino and American companies offer these services to millions of people.

* Earn money for surfing the internet. Earn money for surfing is a method commonly used by those who do not have much free time but still want to earn easy money online. There are thousands of companies you pay to see advertising, buying through its website on even browse through your site. This is another great way to earn extra money and work from home.

* Earn money with advertising. Earn money with online advertising is a unique method for those who have a website. In fact some have already left your job to make money with ad sense, the deployment schedule google advertising. With this method, users show ads on your web site and are paid every time someone clicks on them.

* Investing in Forex. Investing in the Forex market is a relatively new and there are an innumerable amount of programs and courses to learn how to make money with this method. This way of making money in the purchase and sale of foreign exchange but is a risky method, but you know what you’re doing. This method is only for those who take very seriously to make money online and have considerable initial investment.

* Make money by referrals (also called affiliate). This method is one of the most popular among Internet Marketing gurus. Basically the method consists in making money selling other people’s products, earning a commission for each sale. Today is one of the ways to earn money online more profitable and can be done through your web site, ad words, video marketing, etc.

* Earn money by selling online. Earn money by selling your products online is definitely the internet marketer activity par excellence, although it takes a little longer to understand it is undoubtedly one of the most profitable. To start earning money by selling through the Internet is necessary to educate yourself, we suggest that you do not venture into this method unless you have informed you correctly.

Internet shopping can be affordable and convenient. Buying online is less safe than shopping in a store or by mail. To ensure online shopping experience safe, keep in mind:

* Know who you’re dealing with. Confirm the physical address and telephone number of the vendor who operates online for use in case you have questions or problems.

* Know exactly what you’re buying. Read the product description provided by the seller, especially the fine print.

* Know how much it will cost. Calculate and add the shipping and handling – along with your needs and budget – the total cost of your purchase order.

* Pay by credit card or charge card for this way to obtain the highest level of protection for consumers.

* Check out the terms of the deal, like refund policies and delivery dates.

* Print and save records of your online transactions.

1. Do something that people want
Paul Graham of Y Combinator, speaks very well about this in lecture for the startup school 08. Initially, think of something that people want, do not worry about the business model right away. The classic example that is cited for this type of thinking is Google, which in its first year was taking damage, but still moving forward because his audience would not stop growing. Until one day there is the business model and ad engages the business.

2. Start with a focus and setting priorities
A common mistake made by startups is to want to “embrace the world” or get lost as to your goal. Establish a core, a heart of its business, the differential that will give life to the business. Established the core, work hard at it and concentrate on their development. Functionality and additional features should wait till later. You better have your differential functioning well than a lot of things that did not work.

3. Be flexible, take your idea from paper
Depending on the way you act this point can be quite severe. In the case of the Internet is extremely serious. Forget the fear of failure and begin to develop their idea. Probably an idea like yours may be under development or will be soon. Has a minimum of planning needed to launch its initial release and follow the next point to keep their development:

4. After launching his business is in constant beta
The name beta, which often shows up around the logos of the companies, should be viewed as a philosophy. Is always improving its solution or someone will do something better soon, try to always have some advantage over what exists on the market is an audience, performance, visual or simplicity. The best way to maintain the product finds its evolution is to look at the next two points:

5. Learn from the competition
The competition will always have something to teach you is the way to do something or how not to do. A common mistake made is not to identify their competitors or you think your solution is so innovative that there are no competitors. There will always be competition for whatever arises, whether directly or indirectly, because the economy is closed. Try to find as quickly as possible to its competitors and not lose sight of them.

6. Listen to your audience
In the paradigm of web2.0, participation of users is crucial. Be sure to listen to your audience, whether through an area of feedback or answering emails. Probably your user will have the best ideas to develop your product or solution, probably because they use far more than you.

7. Think globally
In the case of Internet, if you want to profit indirectly or their profit margin is low, think of something global. Do not start creating something for your city, state or country, think of something that’s worldwide. Working with profits or indirect advertising requires a large audience. You should only think of something local or national level if your idea has high added value, as in the shirt.

8. Encourage audience participation
The shirt that I quoted just now is a great example of audience participation. If possible open the possibility to create something that your audience or indirectly participate in your company. This will create a community of believers and it will get its name because the audience who participates becomes part of the brand and also wants to disclose it.

9. Do not worry about the technology initially
Who is not in IT or are getting into IT, often fails to start with an idea by not having knowledge of technology development. Do not limit your technical knowledge at the time of design ideas. Learn with technology courses, search the Internet or can be developed by others.

10. Think of the user from start to finish
The users are people who will use and its financially viable solution, therefore is the most important part. Google knows how to do it very well for being in their philosophy, design simple, functional and user-centric, which makes people want to use the product. Study interaction design or related fields, hire someone from that area, or have someone on your team that profile. Do research on your target audience and always be attentive to the feedback provided by him.