Bottom Line Personal

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PURPOSE: To bring you the best information from the most knowledgeable sources in the world. To help you gain greater wealth, better health, more wisdom, extra time and increased happiness. To present this information in an easy-to-read format, free from the influence of advertising. Editor: Karen Astrid Larson Managing Editor: Kelli McCourt Personal Finance Editor: Harry Berkowitz Research Editors: David Boyer, Marilyn Knowlton Contributing Writers: Janet Bailey, Mark J. Estren, PhD, Mark

Stuart Gill, William Gottlieb, Suzanne Havala Hobbs, DrPH, RD, Matthew Hoffman, Donald Korn, Susan Lewis, Stan Luxenberg, Michael Robbins Design Director: Irene Ledwith Senior Art Director: Danita Albert Editorial Director: Steven D. Kaye Chief Content Officer: Marjory Abrams President: Sarah Hiner Founder: Martin Edelston PANEL OF EXPERTS Careers: Nella G. Barkley/Crystal-Barkley Corp. College Financing: Mark Kantrowitz/Edvisors.com Credit & Borrowing: Greg McBride, CFA/Bankrate.com John Ulzheimer/SmartCredit.com, Inc. Dentistry: Sheldon Nadler, DDS…Alan Winter, DDS Economy: Deborah Allen Hewitt, PhD/College of William and Mary Irwin Kellner, PhD/MarketWatch…Allen Sinai, PhD/Decision ­Economics, Inc.…Edward Yardeni, PhD/Oak Associates, Ltd. Estate Planning: Blanche Lark Christerson, JD, LLM/Deutsche Bank…David S. Rhine, CPA…Sanford J. Schlesinger, JD/ Schlesinger Gannon & Lazetera LLP…Martin M. Shenkman, JD, CPA Family: Nancy Samalin/Parent Guidance Workshops Financial Planning: Lewis J. Altfest/L.J. Altfest & Co. Alexandra Armstrong, CFP/Armstrong, Fleming & Moore, Inc. Thomas J. Henske, CFP, CLU/Lenox Advisors, Inc. Jonathan D. Pond/Financial Planning Information, Inc. Gary Schatsky, JD/The ObjectiveAdvice Group Fitness: Kenneth Cooper, MD/Cooper Aerobics Center Wayne Westcott, PhD/South Shore YMCA Food: Linda Gassenheimer Health: Leo Galland, MD/Foundation for Integrated Medicine Charles B. Inlander…Isadore Rosenfeld, MD/Weill Medical College of Cornell University…Andrew Rubman, ND/Southbury Clinic for Traditional Medicines… Bernie Siegel, MD/Exceptional Cancer Patients…Rosemary Soave, MD…Bruce Yaffe, MD Insurance: Glenn S. Daily, CLU, ChFC J.D. Howard/Insurance Consumer Advocate Network Lee Slavutin, MD, CLU/Stern Slavutin-2 Inc. Investments: Sheldon Jacobs…Steve Leuthold/Leuthold Weeden Capital Management…Martin Messinger/Neuberger & Berman Robert H. Stovall/Wood Asset Management, Inc. Law: Mark N. Kaplan/Skadden, Arps, Slate, Meagher & Flom Money Saving: Jeff Yeager/The Ultimate Cheapskate Psychology: Nathaniel Branden, PhD/The Branden Institute for Self-Esteem…Barry Lubetkin, PhD…Kenneth Pelletier, PhD/ Stanford University School of Medicine Real Estate: David Schechner, Esq./Schechner & Targan Sexuality: Dagmar O’Connor, PhD Small Business: Barbara Weltman, Esq. Taxes: Laurence Foster, CPA, PFS…Sidney Kess, JD, CPA… Edward Mendlowitz, CPA/WithumSmith + Brown Time Management: Alan Lakein Stephanie Winston/The Organizing Principle Travel: Peter Greenberg/NBC’s Today…Pauline Frommer Trend Forecasting: Edith Weiner/Weiner, Edrich, Brown, Inc.

BOTTOM LINE/PERSONAL (ISSN 0274-4805, USPS 538-150) is published 24 times a year, semimonthly, by Boardroom Inc., 281 Tresser Blvd., Stamford, CT 069013246. $59.90/yr., $5/issue (US funds). Periodicals postage paid at Stamford, CT, and at additional mailing offices. Bottom Line/Personal and Bottom Line Publications are registered trademarks of Boardroom Inc. Copyright 2013 by Boardroom Inc. Quotation not permitted. Material may not be reproduced in whole or in part in any form whatsoever. Canadian price $71/yr. (US funds). Canadian GST#: 126735513RT. Postmaster: Send address changes to Bottom Line/Personal, PO Box 422297, Palm Coast, Florida 32142-2297. Direct subscription in­quiries, payments and address changes to Subscription Dept., BOTTOM LINE/PERSONAL, PO Box 422297, Palm Coast, Florida 32142-2297. To resolve service problems, call 800-274-5611 or visit our Web site at www.Bottom LinePublications.com. On occasion we make our subscribers’ names available to companies with products or services in which you may be interested. If you do not want to be included in these mailings, please notify us in writing. BOTTOM LINE/PERSONAL publishes the opinions of expert authorities in many fields. These opinions are for educational and illustrative purposes only and should not be considered as either individual advice or as a substitute for legal, accounting, investment, medical and other professional services intended to suit your specific personal needs. Always consult a competent professional for answers specific to your questions and circumstances.

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July 15, 2013

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>> are very upset. Ranting increases the odds that the company—and other Twitter u ­ sers—will dismiss you as a crank. Do include “#fail” at the end of complaint Tweets. This “hashtag” is used on Twitter and elsewhere to indicate that the message involves a problem or mistake. Some customer service departments make a special effort to respond promptly to messages ending in “#fail”. (If you make a YouTube video about the problem, include a link in your Tweet.) If the company’s customer service department does monitor Twitter, you could hear back within a few minutes or a few hours—response times vary widely. If so, you might be asked to provide additional details via Twitter’s “Direct Message” feature. To send a Direct Message, click the gear icon in the top right of the Twitter home page, select “Direct Messages” from the drop-down menu, click “New Message” and type the Twitter handle of the recipient in the address box.

• Contact customer service via live

chat. If your Tweet does not trigger a

prompt response, check the company’s Web site to see if you can chat online with customer service. Online chat is not as powerful as Twitter, because no one besides the company rep will see your complaint, but when available, it’s usually a preferable option to calling the customer service phone number. Wait times are typically shorter with live chat, and there’s no need to navigate tricky phone trees or struggle with difficult accents. Calmly explain your problem, and propose a fair solution, either through live chat or on the phone.

• Make a YouTube video showing the

absurdity or frustration of your situation, particularly if your problem is visually dramatic. Example: Your luggage arrives at baggage claim looking like it was mauled by bears. Use your smartphone or digital camera to film it as it travels around the carousel, then film opening the bag to reveal the damage inside. Post a video on YouTube featuring this footage. Consider adding audio of

PHONE HELP

Calling Customer Service? Tips to Get Heard Adam Goldkamp GetHuman.com

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hree new tricks worth trying when you must phone a customer ­service call center… Get angry at the voice-­recognition system (but not at the human phone rep, which will only make him/her less likely to help you). Some companies are adding voice-recognition analysis technology that monitors callers’ speech and transfers them to a person faster if they exhibit signs of anger or frustration—the companies hope to prevent that anger from growing worse. Get specific with the voice-­ recognition system. If your customer service call is answered by a computer, say the name of the product or service you need help with—even if this hasn’t been listed among your options. With some systems, this will route you directly to the person you need to

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speak with, ­skipping the tedious phone tree. (If the system realizes that you have spoken but doesn’t understand what you said, try saying something more general such as “agent” or ­“representative.”) Get a US-based rep if you have difficulty understanding accents. An increasing percentage of large US companies are once again maintaining domestic call centers—but usually only as a small part of an international customer service network. If you don’t get a US agent when you call and you have difficulty communicating, request to be transferred to one. Some companies allow this. Bottom Line/Personal interviewed Adam ­Goldkamp, chief operating officer of Boston-based GetHuman. com, a free Web site that supplies consumers with toll-free customer service phone numbers and phone-tree tips for nearly 10,000 companies.

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