Article: Nobody likes to feel pressured during a sale, so when interact with your customer, you need to avoid any statement or action that may create tension. Persistently and consistently engage the customer, but once your customer starts backing off, you need to do the same. Doing otherwise may make you seem pushy and intimidating. Depending on the circumstances, you might be able to increase the sales total by recommending products related to the main product your customer has decided to buy.  Choose items that may genuinely benefit the customer. The add-on product should either improve the original product or address some fear related to the original purchase. For instance, you might recommend matching earrings to a customer interested in buying a necklace or security pens to a customer buying a checkbook cover. At minimum, purchases must be packaged safely before being handed or shipped to the customer. It's also good to package purchases in an aesthetically pleasing manner.  Products that can break must be wrapped in an adequate amount of padding or tissue paper to protect them. Consider printing shopping bags with your company's logo or including customized business cards inside boxed packages. Even small details can make the buying experience more exciting for the customer. Encourage customers to buy another product later by including a free sample of that product with his or her original purchase.  For example, you might include small sample tubes of lip balm when a customer purchases other lip care products from you, or a sample swatch of perfume when a customer purchases a matching lotion. Unlike samples, free gifts won't encourage the customer to buy any specific product from you in the future, but they can build your reputation with the customer and cause him or her to visit your shop again. Gifts should be small but meaningful. For instance, a seller at a book store might throw a free bookmark into the shopping bag before handing it over to the customer. When an unforeseen circumstance damages the product after the transaction has already concluded, and neither you nor the buyer are at fault, you will need to take the loss instead of forcing it on your buyer. You may never encounter this issue if you sell in person, but you'll probably deal with it at some point if you plan to sell online. For example, if the purchased product gets lost or damaged in the mail, you'll need to be willing to offer a refund or replacement if you want to keep your customer happy. Happy customers are more likely to buy from you again and recommend you to others. When appropriate, consider following up with the customer after the transaction is complete. Doing so suggests that you genuinely care about the customer beyond his or her wallet.  If you've made an online sale, for instance, send an e-mail to the customer a few days after the product was due to arrive. Ask if the package arrived in good shape and if the product meets his or her needs. For sales made in person, following up might not be necessary. You should make it easy for the customer to contact you again by providing business cards or by printing contact e-mail addresses and phone numbers on the sales receipt. Build on past success and correct past mistakes. Selling is a skill you'll need to continually improve if you want to survive in the broader marketplace.  Review your past successes. Ask yourself which tactics encouraged the customer to buy from you and include those in your future selling experiences. Likewise, review your past failures. Try to identify things that drove the customer away and avoid making similar mistakes in the future.
Question: What is a summary of what this article is about?
Avoid acts of desperation. Encourage appropriate add-on purchases. Package the product with care. Offer samples and free gifts. Sacrifice when necessary. Follow up. Learn from experience.
Article: After you've decided on a recovery plan, whether that is getting a new job, reducing debts, bankruptcy, or some combination of those, get started as quickly as possible. The longer you delay, the more your debt will pile up. Take every step you decided on as quickly as possible. Most of these will be abrupt changes that will negatively impact your quality of life. As states previously, the most important thing is to remain positive throughout this situation change and try to see the light at the end of the tunnel. Understand that in a financial crisis situation, not all debt is valued equally. If after reducing expenses, you only have a fairly small amount remaining to pay off debt, it is important to use that amount to pay off debts in the following order of importance:  Pay off any secured loans first. These include mortgages or car payments. Not paying these loans can result in foreclosure or repossession. Focus next on unsecured loans, specifically on high-interest accounts like credit cards. Finally, focus on unsecured loans with low debt. For any debts you cannot afford to pay, ensure that you contact them and explain your situation. You may be able to renegotiate repayment in these cases. While it may be tempting to ignore your creditors, this will only worsen your situation. Often, creditors will begin garnishing wages (automatically taking a cut of your pay) simply because they have not been able to make contact with borrowers . Be aware that creditors will not stop attempting to contact you, nor will they forget about you. Therefore, being proactive and working with, rather than against creditors is critical. Phone your creditors, and make sure you have with you all your financial information, as they will likely ask. Honestly explain to your creditors that you are unable to make payments, and that you would like to work with them to come upon a solution.  Ask for a rate reduction, deferred payments for several months, or a reduced payment plan. Creditors are very eager to work with borrowers, since it is more costly for a creditor to utilize debt collection services and risk losing principle than to work constructively with a borrower. Suggest that you are willing to pay the ongoing interest during any period of debt relief, this signals to creditors that you are serious about your obligation Inform your creditors that you are planning on staying in touch every month. By contacting them and staying readily available, they will be more likely to extend favorable terms and be more flexible in their needs. Both of these solutions involve transferring debt balances to new loans with more favorable terms  A debt consolidation loan involves taking out a new loan with lower interest, like a line of credit, and transferring your higher interest debts to that loan. For example, you would transfer all your credit card debts to a line of credit, which rolls all of your payments into one payment, that will often cost less then the previous payments combined due to lower interest rates. Be aware that although interest rates are lower, the loan terms are often longer, which means you may actually spend more in interest over time. A balance transfer card is another solution for credit card debts. A balance transfer card is credit card which offers very low to no interest rates for the first 12-24 months for individuals who transfer their balances from another credit card. Doing this can give you a much needed break on payments until your financial situation is in order. If you feel overwhelmed, consider consulting not-for-profit debt counseling services. These services can help you make and plan and work with creditors to restructure your debt in a way that fits within your current means to pay.
Question: What is a summary of what this article is about?
Implement your recovery plan. Prioritize your debt repayment. Understand the importance of staying in touch with your creditors. Contact your creditors and explain your situation in open and honest terms. Consider debt consolidation loans and/or balance transfer cards to reduce payment amounts. Consider debt counseling.
Article: Several cloud based web portals facilitate recording of phone conversations without the additional hassle of installing any software or purchasing hardware. The service calls both the source and destination numbers, bridges them, and records the call. The service is tightly integrated into a telephony infrastructure which resides in the cloud. This allows providers to store recordings in the cloud and make them available to subscribers through personal portals. Some of such services are www.recordator.com, www.saveyourcall.com etc and a list of such services can be found at this Wikipedia article[1] All your call recordings are made available by the providers in your personal dashboard and you can download them as well. At first, you need to create your personal profile on their website and purchase calling minutes according to their pricing plans. Average call + recording pricing varies from 10-25 cents per minute depending on which plan you choose. You need to take care of the legal angle. So if your location requires two party consent, the onus in on you to inform your caller that the call is being recorded.
Question: What is a summary of what this article is about?
Use cloud-based web applications. Most of such services utilize the 'Cloud-Bridge' technology. There are several providers. They  can be used with any type of phone(fixed line or cellphone). All such web applications follow a subscription based model. They do not inform your caller that the call is being recorded.