Home » Archive by category 'Business Insights' (Page 13)

Telecom Tips for Enabling a Global Service Desk Hotline

well-functioning IT Service Desk hotline across multiple countries.

In today’s interconnected world, businesses rely heavily on internal IT help desks or service desks to provide crucial technical support for their employees. Think of the service desk as the …Read More »

Cloud Call Center Software – Pricing Guide & Cost Comparison

call center software pricing

Purchasing the right cloud contact center software can have a significant impact on your business. The correct software will maximize agent productivity, improve customer service, and set the foundation for …Read More »

21 Best Zoho Integrations

Best Zoho integrations

More and more businesses are turning to advanced tools and technologies to improve their operations and elevate their service offerings. Among one of the most popular business tools is Customer …Read More »

What Happens After Signing Up With Global Call Forwarding

happens after signup

New to Global Call Forwarding? We’re happy to have you! Let’s go over the process of getting a phone number and VoIP subscription with us. Here are a couple of …Read More »

Global Call Forwarding Launches New User & Role Management Feature

user role management

Global Call Forwarding launches a User & Role Management feature to manage user access to your phone service. DELRAY BEACH, FL, July 2023 Global Call Forwarding launches a new User …Read More »

7 Benefits of Voice and Telecom Network Consolidation

The benefits of voice and telecom network consolidation.

As an IT infrastructure manager or network engineer, your time on the job should be spent maximizing efficiency and reducing costs while building reliable business systems. Do you spend too …Read More »

What is the Telephone Consumer Protection Act (TCPA)

Have you ever heard a sales pitch on your answering machine and wondered how it got there? Telemarketing messages are notorious in the eyes of the public, often seen as annoyances, especially if the person who received it never signed up for it in the first place. In response to this, the Telephone Consumer Protection Act (TCPA) was born.

First passed in 1991 by former President George H. W. Bush, the TCPA was put into effect for the purpose of restricting telemarketing, or telephone solicitations. This act mainly addresses automatic dialing systems, “robocalls,” pre-recorded voice messages, and other artificial messages. The hope of the TCPA is not to take revenue away from businesses, but to limit and regulate these communications for the sake of consumer privacy. After all, no one appreciates an unsolicited sales call before or after working hours, or when they’re trying to spend some time with their family.

The TCPA Rules

So what are the parameters of the TCPA? Unless the consumer has given express consent beforehand, corporations or businesses cannot call residential homes before the hours of 8am or after 9pm local time. This act not only applies to calling, but to fax messages and text messages (SMS) as well.

The TCPA requires that companies keep something called a “Do Not Call” list. If a consumer requests to be on this list, they cannot be contacted for sales purposes. “Do Not Call” or DNC, must always be honored by the organization and its employees. The Federal Communications Commission does not regulate this list, but every organization must manage their own. All organizations must have a prepared written policy so that if a consumer requests it, they can read the guidelines on their own.

The TCPA Exceptions

The Telephone Consumer Protection Act still allows for businesses to communicate with their clients. If you would like to leave a pre recorded message, all you have to do is meet the following criteria to stay within the boundaries of the TCPA rules:

On the message, you say the name of the organization or entity calling, and which individual is being contacted.
List a phone number where the organization can be reached. Keep in mind that this number must be different than the one associated with the pre recorded message player.
State the main purpose or reason for the call. The purpose, of course, should not be telemarketing.

Telemarketing” refers to a message given for commercial purposes, the purpose of investment or rental properties, or selling goods and services. As long as the pre recorded calls do not contain telemarketing messages, your organization should be safe. If someone chooses to “opt in” to telemarketing messages, then consent must be given in the form of a written message, electronic form, or signature.

Another restriction applies to emergency lines. Companies are prohibited from using automated equipment to an emergency line, such as 911, poison control centers, fire stations, physicians’ offices, or law enforcement agencies.

Fortunately, many businesses are not impacted by the Telephone Consumer Protection Act, especially if you must leave informational messages with your audience. This includes airlines announcing flight changes or cancellations. Calls for the purpose of debt collection also do not count as telemarketing calls. Again, if there’s no sale involved, then there’s no violation.

What Happens in Case of a Violation?

When organizations are unsure about the rules of the Telephone Consumer Protection Act, they risk some very hefty fines and fees. A violation of the TCPA can result in a consumer suing for $500 or up to $1500 on each offense. If any revenue is lost because of the violation(s), then the consumer may sue for that amount as well.

Even the largest agencies are at risk. For instance, did you know that Resort Marketing Group, who represents Carnival and Royal Caribbean cruise lines, violated the TCPA by spamming thousands with recorded calls without their consent? They advertised cruises by leaving unwanted messages on consumers’ phones. Now, as a result, any individuals who were called during that time have the ability to be compensated and receive financial gain.

How to Comply with the TCPA?

Companies with call centers and telemarketing capabilities should not be on the wrong side of the law. It’s a very serious issue. Business owners must adjust their operations to comply with the Telephone Consumer Protection Act if they have not done so already. If they don’t, they may face some very expensive legal fees later on, just like Resort Marketing Group.

Written procedures, proper training, and regularly updated Do Not Call lists are all factors that ensure you remain free of fines. Businesses can also utilize technology to organize consent information from customers. Keep your teams vigilant about your communications processes both internally and with third party marketing partners so that there are no big issues down the line.

If you want to leave an informational message with a customer, it should remain neutral in terms of content. This means that anything you say should be free of ads, sales, or promotions. If you’re unsure how to word a message, then pre-written scripts could be a great tool for you. Give these scripts to employees and call centers so that every team member is following the right instructions.

Analytics software is another way to keep in line with the Telephone Consumer Protection Act regulations, such as a Customer Relationship Management (CRM) system. These analytics help businesses understand how to provide the most optimal and consistent experience for their customers.

Your Resource For TCPA Compliance

Global Call Forwarding is your resource for the Telephone Consumer Protection Act. We have local and toll free phone numbers for you to use in over 140 different countries. Our state of the art network offers features such as call recording, call transfer, SMS to email, local ringback tones, and more. For more information about the Telephone Consumer Protection Act, we can answer your questions and concerns. It’s time to invest in an industry-leading service for better quality communications. Contact our team today.

Is Robocalling Ethical or Legal?

Disclaimer: We do not support robocalling through our platform. We verify the business details of each customer along with their use case. Robocalls are not allowed using our network.

Robocalling involves the use of an automated telephone message. The call is initiated by an autodialer and delivers a prerecorded message to one or a range of numbers. The robocalling technique is used for a wide variety of communications including:

Public service announcements: For example, if your water supply is about to be suspended for a period because of repairs to the water lines in your area.

  • Appointment reminders: You may receive an automated message from your doctor or dentist reminding you that you have an appointment within the next 48 hours.
  • Political campaigns: Sometimes political parties will send out automated messages giving information about their incumbent.
    Opinion polls: Robocalls may be used for opinion polls by political parties to help them with their campaigns.
  • Marketing: Sometimes companies use robocalling for marketing within the public sector.

Depending on the type and purpose of the robocall, it may enable interaction with the recipient either through voice or keypad activation. Sometimes there may also be interaction with a human representative during part of the call.

The Laws Governing Robocalling

In October 2013, the United States Federal Communications Commission’s (FCC) mandated some rules regarding robocalling. According to the FCC’s regulations, telemarketers are prohibited from making robocalls to a consumer without first obtaining his or her written consent. Robocalls are also restricted from dialing numbers on the Do Not Call Registry.

In spite of these changes, the FCC receives more complaints each month regarding robocalling than any other problem. However, it’s difficult for the agency to track down the culprits because most of them can hide their real phone numbers behind a virtual number created through a Google Voice or Skype account. Often the robocallers don’t even use real phone numbers but mimic unassigned or inactive numbers. So what recourse is there to prevent illegal robocalling? Most phone companies are currently resorting to automated blocking tools that simultaneously block robocallers as they whitelist known or emergency numbers. This type of blocking tool is perfectly legal and the FFC encourages phone companies and individuals to use them.

Clarifying the Laws on Robocalling

Although some states have their own local robocalling laws, which differ widely from state-to-state, federal law applies in every state. Here are some examples of the mandates for robocalling and telemarketers:

A telemarketer is prohibited from using a robodialer for the purpose of sending a prerecorded message to a consumer or business cell phone or to a consumer landline unless they have written consent to do so. Such consent may be obtained through audio recording, email, or web opt-in as well as other means. The procedures must follow the federal E-Sign Act.

When robodialers make calls, they are prohibited from abandoning any more than 3 percent of its automated calls within a 30-day period.

Every prerecorded message must contain an automated opt-out message, which allows the recipient to decline to receive any further robocalls. The opt-out message must be activated by keypress or voice.

The prerecorded message must include truthful information about who is responsible for the robocalls and the exact marketing-related purpose of the call.

The prerecorded message must also include a call-back number enabling the recipient to return the call during normal business hours and decline to receive any further robocalls from this particular telemarketer.

Autodialers that do not Deliver Prerecorded Messages

The regulations for this type of call are slightly different. If a robocall is made, but no prerecorded message is used, then it is still legal if the call is to a residential landline, where this type of call is generally still allowed without the owner’s consent. This type of call is prohibited to a cell phone without the owner’s consent.

When Robocalling is Illegal and Unethical

Being on the receiving end of regular robocalls is very annoying and can be considered spam, but at times it can also prove to be dangerous, thanks to a new wave of robocalling scammers. Since 2013, fraudsters impersonating IRS agents are estimated to have conned unsuspecting victims from handing over more than $54 million. This particular batch of con artists has proven to be completely unscrupulous and equally inventive. But the tax swindle is not the only robocalling scam. The FCC also has accounts of incidents where calls were connected to people posing as sweepstakes companies and employment agencies, as well as debt collectors.

Think Twice About Using Your Personal Phone for Business

Though using your personal mobile phone for business is affordable and very convenient, especially if you are just starting a new business, you may want to think twice about doing so. Not only can using the same phone for your personal and business aspects of your life cause conflicts, it may also make your phone more susceptible to robocallers. The easiest way around this is not to carry two phones with two separate numbers; it is to get a virtual phone number for your business.

If you don’t know much about virtual phone numbers, it’s very simple. You sign up for a local or toll-free number in the country and city of your choice, and you give that number to your business clients. They call that number to contact you, and your call forwarding service redirects their call to the number of your choice. So you don’t have to give your business colleagues and clients your personal number, but you’ll still be able to take the calls on whichever phone line works best for you.

A virtual number has several advantages:

  • You can avoid robocalls: If you have an automated greeting and your calls are directed to another number, this is a great way to filter out robocalls. The automated call will get stuck with your automated attendant until it times out, eliminating the issue altogether.
  • You are not a victim of threats: A virtual number protects your personal information from hackers and scammers. You can blacklist and whitelist your chosen numbers.
  • You won’t have to keep changing your number. Your personal phone number is an important part of your life, and chances are you’ve had it for a while. By using a virtual number to handle your business calls, you will avoid any complications that may have you wanting to change your personal number.

You can find out more about handling robocalls along with blacklisting and whitelisting with a virtual phone number by contacting Global Call Forwarding.

Business Telephone Etiquette

Whether your business deals with local or international clients, understanding and practicing business telephone etiquette can ensure your business maintains professionalism and communicates effectively with its clients. Let’s learn how to practice proper business phone etiquette.

Business Telephone Communication

As easy as making and receiving telephone calls can be, many still do not know that rules guide telephone conversations, especially in the professional or business context. Business communication is a critical dimension of every organization. It can set the tone for many business activities involving clients and customers and other businesses such as closing deals, onboarding new customers, or offering customer support. Business calls play a major role in the day-to-day operations of many businesses. Companies need to contact potential customers, clients, and vendors and receive calls from customers about product inquiries and assistance.

The Importance of Proper Business Telephone Etiquette

Having good business telephone etiquette is beyond your ability to speak fluently and offer pleasant greetings. It is more about leaving a good and lasting impression on the person on the other end of the line. Since your next phone conversation could be your initial contact with a client, customer, or even your superior, you are presented with an opportunity to make a good connection and build a relationship.

Having the proper phone etiquette for business calls is necessary for every business that takes its professional image seriously. Have you ever contacted a business’s customer care department only to be greeted by a rude or uninterested representative? Did that response and interaction make you want to take your business elsewhere? This is where having stellar business telephone etiquette plays an important role in supporting your sales and customer support services. When a poor first impression is given, many businesses suffer, which often leads to a loss of customers and low sales conversions.

How a business communicates with its customers and clients will determine how they will be perceived. Therefore it becomes essential that businesses invest in training their employees to answer or initiate telephone calls. They also need to be aware of international business phone etiquette and how to connect with global customers effectively.

Furthermore, they must identify when a telephone call is the best means of communicating with a client, customer, or business contact. Employees must understand their audience and the most appropriate method to communicate with them. This depends on the type of business you run and what the interaction with the customer is about. In some cases, customers may prefer email or SMS contact instead of phone conversations.

11 Tips For Efficient Phone Etiquette for Business

So, what are some key phone etiquette rules? Here are 11 practical tips for business telephone etiquette that every employee should exercise when communicating with clients, customers, business contacts, and vendors:

  1. When answering a work or business phone, do not allow the phone to ring for too long. Three times is the ideal number of times that a business phone should ring.
  2. Ensure that you identify yourself at the beginning of every call. When answering the phone: “Hello” or “Good morning; customer support department, XYZ speaking.” When placing a call: state your name and the name of the person you are calling.
  3. Hold the phone at a distance of about 2 fingers from your mouth for clarity. Do not keep repeating the same thing over and over again; the other party might become uninterested and hang up.
  4. The tone of your voice can tell the other party a lot. Ensure you maintain a friendly yet professional tone. Avoid sounding nervous or aggressive. Speak with confidence and authority. Sit up in your chair when receiving phone calls to maintain your composure. Stand if it will be more comfortable.
  5. Prepare for a call before dialing the number. Ensure that you have thought through what you want to discuss. Write your talking points down on a notepad, so you do not leave anything out. This will help you to be direct and precise should your calls be forwarded to a voicemail.
  6. Listen to the other person without interruption. Under no circumstance should you interrupt them while they are passing on their information.
  7. If you must transfer a call, inform the caller before doing so. Explain why you need to transfer their call. First, confirm that the person you are transferring the call to is available to attend to the customer. Also, let the customer know who they are being transferred to.
  8. If you have to put a caller on hold, ask their permission first. You can also give them the option to leave a voicemail message. When you resume the call, ensure that you thank them for their patience.
  9. Always turn off your phone/ringer during a business meeting or call. It is not polite if your phone rings in the middle of a business decision.
  10. If you are expecting a call about the same time you enter a meeting, inform the caller beforehand about your meeting and that you will return their call as soon as you can.
  11. When speaking to a client or business contact on the phone, keep a distance from anything that can be a distraction. These include office desk noises, keys jingling, rustling papers, eating, or chewing. If you have to take a phone call while driving, ensure that you use a hands-free device or a speakerphone for your car. Giving your caller your undivided attention translates to treating them with respect, which is the most important business telephone etiquette foundation.

Invest in Business Phone Services

The importance of business telephone etiquette explains why many businesses invest heavily in their communication department regarding personnel and equipment. Both small and large businesses invest in call forwarding services to enable them to keep the lines of communication open at all times. Call forwarding companies like Global Call Forwarding make these services available to businesses globally. They offer various business communication solutions like SMS forwarding, virtual assistants, and much more for seamless business communications.

What is the Do Not Call Registry?

The National Do Not Call Registry is a compiled list of phone numbers belonging to people who do not wish to receive calls from vendors or telemarketers. The registry is administered by the Federal Trade Commission (FTC), which is the United States’ consumer protection agency.

Created in 2003, the National Do Not Call Registry is designed to give consumers freedom of choice when it comes to receiving telemarketing calls. Only personal numbers can be added to the register. Business numbers and fax numbers are not covered. Once added, telephone numbers will remain on the registry until they are disconnected, reassigned, or until the consumer decides to remove their number from the list.

What Types of Calls are Covered by the Do Not Call Registry?

The ‘do not call’ regulations of the Telemarketing Sale Rule (TSR) cover any campaign, program or plan to sell services and goods through phone calls. This includes calls made by telemarketers who are acting on behalf of third-party vendors and vendors who are providing or offering services and goods to consumers in exchange for or as part of a telemarketing transaction.

The Do Not Call Registry’s provisions do not cover calls from charitable foundations, political organizations, telephone surveys, or companies with which the consumer already has a business relationship.

Organizations which are Exempt from the Do Not Call Registry

Your organization may be eligible for exempt status from the Do Not Call Registry if it is a non-profit organization or an organization that only makes calls for one of the following reasons:

  • A message that is purely informational is being delivered. For example, the call is being made to inform a consumer about the delivery status of an order.
  • The call is being made for the sole purpose of conducting a survey, which is not part of a plan to solicit purchases of services or goods.
  • The call is being made specifically to promote a political party or candidate.
  • The call is being made from one business to another business in order to solicit a purchase.
  • The call is being made in an attempt to solicit a charitable donation.
  • The call is being made to a consumer who already has an established business relationship with the organization making the call.

Calls may also be made to consumers who have given their written consent to receive calls from telemarketers.

Who Has Access to the Do Not Call Registry?

The only people who can access the Do Not Call Registry are telemarketers, vendors, and other service providers.

The numbers on the Do Not Call Registry may not be used for any purpose other than preventing telemarketing calls to the numbers listed on the registry. Use of the numbers for any other purpose could result in legal action being taken.

You can access the Do Not Call Registry through the telemarketing.donotcall.gov secure website. You must sign up and set up a profile by providing information about your organization. If you are accessing the registry on behalf of a vendor client, then you must also provide their information.

If you are required to use the Do Not Call Registry, then you must update your lists to match the registry every 31 days. Your access to the registry is only for the area codes for which you have paid.

Your access is unlimited until your annual fee has expired.

Paying for Access to the Do Not Call Registry

For organizations who wish to access the registry, information for up to five area codes is free. For subsequent data, there is an annual fee of $62 per area code, up to a maximum fee of $17,021. The fee is paid on an annual basis. The fee covers a period of twelve months following the first day of the month in which the subscription was paid. Exempt organizations may access the registry without paying a fee. An organization that pays the fee with a credit card will receive immediate access to the registry.

An organization that pays the subscription fee by electronic transfer of funds will gain access once the payment has cleared. Organizations that want to access information from more area codes than originally chosen may do so, but charges will incur if the total number of area codes is in excess of five. Additional charges of $62 per area code will be made during the first six months of the annual period. During the second six months, the organization will be charged $31 for each new area code.

Organizations’ Compliance and Liability

An organization that is a vendor or telemarketer may be liable for making telemarketing calls, even to numbers that are not listed in the Do Not Call Registry, if the vendor has not first accessed the registry and paid the appropriate fee. Each call that is made counts as a separate violation. Each violation can incur a fine of up to $43,792.

It is against the law for a vendor or telemarketer to call any number listed in the Do Not Call Registry unless the vendor or telemarketer has already established a business relationship with the consumer or the consumer has provided written consent to be called.

It is also against the law for a vendor or telemarketer to call a consumer within a given area code unless the vendor has first subscribed to the section of the Do Not Call Registry covering that area code. You can obtain more detailed information about compliance in the online guide Complying with the Telemarketing Sales Rule.

If you are thinking of trying to draw new business with a call campaign, before you dial, make sure you are aware of the National Do Not Call Registry rules and regulations.

Otherwise, you may end up on the receiving end of some heavy fines and your phone number might get marked as spam. Remember, it’s okay to call a client if you have an existing business relationship, or if you are taking a survey, but you must be aware of state Do Not Call lists.

Phone Calls and the Federal Debt Collection Practices Act

What is the Federal Debt Collection Practices Act (FDCPA)?

In the beginning of 2017, a reported 73% of United States citizens who died, passed away with some form of debt (credit, auto, mortgage, personal, or student). With such a large number of people living with debt, it is reasonable for people to want to understand their options because in reality, debt and finances are a daily part of our lives, and it can have so much determination on our individual quality of life.

So what is the FDCPA, and how can it help me?

The Federal Debt Collection Practices Act (FDCPA) was set in place to protect individuals from being harassed by debt collectors. Harassment in this case would include repeated, inconvenient, and frequent calls through which the debt collector aims to annoy, bully, or threaten an individual into making a payment. The FDCPA has laws to limit the frequency of phone calls a debt collector can make to ensure that no individual falls prey to unfair debt collection practices.

The FDCPA is enforced by the Federal Trade Commission (FTC) to ensure that collectors are not using abusive debt collection practices. A debt collector is an individual who is affiliated with a collection agency, a law group, or a company that buys debt off of debt collection agencies. The FDCPA does not protect against original creditors in each state, although there are some states, like California, that try to protect their citizens from the original creditors. The FDCPA aims to lay out explicit guidelines for fair debt collections practices, and avenues for those in debt to protect themselves against harassment, or false debt accusations. There is a system in place which allows those in debt to validate information given to them by the debt collectors to ensure the information is accurate and not fraudulent. There are also instances where individuals have a right to dispute the debt that they owe, which we will discuss later in this post. The FDCPA’s overall purpose is to protect all parties involved in a fair, and equal way.

Your Rights Under the FDCPA

While the Federal Debt Collection Practices Act intends to protect all involved parties, it is still important to know the full scope of your rights in case of an error on their part. Additionally, there is a whole industry of lawyers popping up to defend debt collectors, who spend their days trying to find loopholes to make you (the consumer) pay, regardless of any wrongdoing on the part of the debt collector. Having your own back in this situation, and doing the appropriate research will allow you to avoid falling into any traps.

It is sometimes advantageous to talk to them at least once to better understand the situation and know the exact debt(s) that they are calling to collect. Sometimes, it may even be a mistake that you are on their list, and one phone call would suffice to eliminate the problem. If however, you do actually owe the debt, but still think it is a mistake or you cannot pay it back, you do not have to endure endless phone calls and debt collectors parading themselves through your life. You can send them a notice to end all contact. This must be done via mail, and the only contact they are allowed to make is either to tell you that there will be no further contact, or to file a lawsuit. If they file a lawsuit to sue you for the amount owed, you will not want to ignore the lawsuit. You may try to handle it yourself, but you are entitled to an attorney. If you have hired an attorney, the debt collectors can no longer contact you directly, but must only contact your lawyer.

In order for the claim to be valid, the collector must send a written confirmation of the amount owed, and who the creditor is within the first five days of contacting you. They must also explain the process for you to follow if you believe it was sent in error. If you send the letter explaining why it is an error, the collector must not contact you again until they send proof of the amount owed.

Additionally, if you make a payment toward your debt, if you owe more than one creditor, you can tell the collector where to apply the money, and they must comply with your request. They especially cannot apply any amount paid to a debt that you have explicitly claimed that you do not owe.

If at this point they sue you for a debt that you are not paying, and refuse to accept responsibility for, the court can garnish your funds. Garnishing means that the court can tell the bank to withdraw funds from your account, or they can apply any income straight to the debt. This is legal, if the debt collectors win in court, however they can never garnish money from federal benefits such as social security, or veterans benefits.

Any time a debt collector calls, make sure they identify themselves with their name and their role as a debt collector, they announce who the original creditor is, they notify the consumer of the right to dispute this debt, and that they offer validation of the debt upon request. If they eventually file for a lawsuit, they must do it in accordance with FDCPA laws.

When is debt Collection Illegal?

Here we will examine a list of unfair and abusive debt collection practices that may be used in court as evidence of harassment.

  1. Hours of contact: Debt collectors may only contact you between 8am and 9pm unless you state otherwise. If you tell them that they are not allowed to call during work hours, or if you have a night shift, they may only call during the allotted times.
  2. Continued Communication: After the consumer sends written notice to cease all communication, debt collectors may not contact the consumer again other than to notify them of the cessation of contact, or that they will proceed with a lawsuit.
  3. Frequent calls with intent to annoy: calling over and over again which harasses the consumer.
  4. Contacting place of employment: Debt collectors may not call a consumer’s place of work if they have been directed not to.
  5. Contacting consumer, and not their attorney (if they have one)
  6. Misrepresentation or deceit: Regarding the debt, or the identity of the debt collector (posing as a law enforcement officer).
  7. Publicly publishing consumer’s name or address without their consent.
  8. Threatening legal action
  9. Aggressive or threatening language/ cursing
  10. Sharing information about your debt with third parties
  11. They cannot contact you by shaming you: For example, they cannot post anywhere, especially through mail that you are being pursued by debt collectors.

A consumer can provide each of the elements from the list above as evidence in court against a debt collector if they feel the standards set forth by the FDCPA were not met. Consumers should not dispose of any voicemail, email, mail correspondence in case the situation ever escalates to court.

The FDCPA will defend consumers who have the right to dispute any debt that you think is not legitimate. You do not have to suffer through repeated, and annoying phone calls and debt collectors, and you do not have to fall victim to abusive debt collection practices. You can also hire an attorney to handle your case who is an expert in the Fair Debt Collection Practices Act such as GM Law Firm.  GM Law Firm has detailed some information about what your rights are, and what to look out for on their website.

Know the signs, now your rights under the Fair Debt Collection Practices Act, and know that you do not have to subject yourself to this kind of treatment.

Start-up Business Tips and Resources

What Is A Startup Business?

A startup business is a newly emerged, fast-growing entrepreneurial venture that is designed to meet a specific marketplace need by developing a practical business model based on services, innovative products, a process, or a platform.

In recent years, the terminology, “startup” has become very popular among millennial and young individuals with a strong business mindset. Startup businesses have evolved to be more of a cultural movement with an outlook that is a complete deviation from standard or traditional companies.

The modern day startup business offices are not like the typical offices where a certain dress code is mandatory and a formal setting is to be maintained. Startup founders are often seen wearing casual clothes to meetings; office spaces can look very casual with a very youthful and vibrant atmosphere.

What Is The Difference Between a Startup Business and a Small Business?

Sometimes when you hear the word “startup” being thrown around, many begin to imagine coders, software and app developers, and the likes.

There are so many misconceptions about how this term is being used to describe businesses, that it’s often assumed it can only be applied to tech companies. However, the reality is that a “startup business” does not necessarily mean that it is strictly technology-focused. Startup businesses and small businesses share a number of similarities, but there are a few differences that distinguish both ventures.

Growth

One major difference between startup businesses and traditional small businesses is the way growth is being conceptualized. Startup businesses are designed to grow really fast, that is, they typically tend to rely on technology in order to reach a larger market.

A specific instance of startups is how apps can go from having just a few users upon launch, to millions of users in a matter of a couple months; this is the typical format of many startups.

On the other hand, traditional small businesses are designed to scale up at a slower pace. They usually do not have access to financial support to grow fast and generate revenue like startup businesses, so the growth is more incremental.

Funding

The ways that startup businesses and small businesses seek funding can be quite different. While startup businesses often rely on direct funding from venture capitalists or angel investors, small businesses often have to rely on loans and grants. Generally, startup businesses tend to get more help from their investors as they are actively involved in the operations. However, small businesses will usually report to their banks with respect to their loans or grants.

How to Start a Business

There are a number of obvious reasons why more people are quitting their jobs and starting businesses. Firstly, many people do not get the satisfaction they expect from their jobs. Secondly, there is a shortage of jobs in the labour market – which drives many people to seek out opportunities by establishing their own businesses. Another reason is the fact that many individuals have ideas that provide solution to a specific market need.

While many have great business aspirations, they often do not have a clear picture of what starting and growing a business entails. Many will fail as a result of a lack of preparation or market research. Becoming an entrepreneur is not as easy as many want it to be. It requires hard work, time, and a lot of effort.

Here are a few tips for startups and guidelines that will help you to start your business and make it successful.

Brainstorming

This is one of the most important phases of starting a business. Every business opportunity starts with an idea. These ideas often come in the form of solutions to a problem or they must be able to fill a gap. Whatever your ideas may be, there are many ways by which you can turn them into a viable business.

The brainstorming phase should include extensive research into the field or industry you plan to set up your business. You must identify companies that are already providing a similar solution and think up ways you can offer your services differently at a better rate.

Develop a Business Plan

This stage requires you to go into more details about your business idea. This is the stage where your ideas begin to materialize. A business plan will show in clear terms whether your business will be profitable or not. Also, you need to answer questions like:

  1. Who are your customers?
  2. Target market and size?
  3. How will your business be financed? Will you need to apply for a loan or invest your own money?

A well-written business plan will help you answer these questions.

Business Structure
It is important to identify what type of business structure you want to run. The type of entity that your business is will determine a lot of things like how it is being taxed and its liabilities. If you want to run your business alone, then you must consider a sole proprietorship. Alternatively, a partnership is where there are two or more people involved. There are also other options like a corporation and Limited Liability Corporation.

Register Your Business
Before your business can run as a legal structure, you need to register it at the appropriate government agency. This process will involve registering your business name as well as providing other information about your business.

Determine the Type of Technology to Be Deployed
Every business today is being run with a set of tech tools to improve their efficiency. It is important for you to determine what type of technology will be suitable for your kind of business. Technology such as mobile apps, social media, and enterprise software are tools that can help your business become successful.

Insurance
Many businesses overlook insurance as something that they can get away with until they need it. There are various types of insurance coverage. But it is important to choose the type that best suits your business.

Build a Team
Unless you plan to run a ‘one man’ business, you are going to be faced with the task of hiring the best team to get your business running. The process of hiring a team must be tailored to the gaps that need to be filled in operations. Proper division of tasks and assigning roles to your team can play a major role in whether your business survives or not.

Branding and Advertising
A marketing plan should be put together in order to maximize your advertising and marketing efforts. A proper media campaign should be carried out to spread word about your business along with the products or services that it are being offered.

Four Key Points that a Startup Needs to Succeed:

  1. Customers – You need to identify a need that has not been met by the market. Determine whether you can provide solutions and if the market is right for you.
  2. Product – Your products or services must directly help your customer solve a problem or meet a need or desire. If it’s a product, make it very simple and adaptable to use.
  3. Timing – Every business opportunity has a limited window or period during which it will be viable. Entering a market too early or too late usually comes with great risks due to market uncertainties. The best timing is often when there is already a customer base that has not had their needs satisfied.
  4. Competition – Excess competition against an influx of new customers can make the market quite tough for new entrants. However, this offers many opportunities to disruptions that can take on the competition by creating new opportunities.
  5. Finance – Maximizing profit with minimum risks and costs.

Related: Business Phone Solutions

International Phone Calls Are Illegal In North Korea

North Korea has been in the news for many years for reasons that are far from positive. The country has remained in the spotlight due to the approach of the government toward international relations under Kim Jung Un’s rule.

Several issues such as the crisis between North and South Korea, the nuclear program and testing, and a gross violation of human rights and freedoms, have all been in the forefront of the country’s reputation.

There are necessities that are being enjoyed by the rest of the world, for example, public access to communication in North Korea, which are extremely monitored by the government. Another instance, as far as North Korea telecommunications is concerned, is in regards to the fact that international phone calls are illegal in North Korea. There is also a very strict regulation of any usage of technology in North Korea.

Why Are International Phone Calls Illegal In North Korea ?

The North Korean government holds the use of communication technology in the country with a very tight grip, especially to countries that are referred to as “enemies.” This was revealed in a report by Amnesty International.

North Korea has a popular mobile phone service which serves more than 3 million subscribers. But international phone calls are not permitted on this network as it is restricted to only local calls.

Only a select few citizens and foreigners are allowed access to the internet. However, some North Koreans have access to a closed-off network which can connect to only domestic websites and email services that are also closely monitored by the government.

Ordinary North Koreans are not allowed to use mobile phones to call members of their families who have defected as they risk being sent to detention camps or political prisons.

“Nothing can ever justify people being thrown in detention for trying to fulfill a basic human need – to connect with their family and friends” stated Arnold Fang, an East Asia Researcher at Amnesty International.

The restrictions by the North Korean Government on international phone calls as well as information coming from outside reveals the intimidation and oppression of the North Korean populace since Kim Jung Un became the leader in 2011.

Arnold Fang also states, “To maintain their absolute and systematic control, the North Korean authorities are striking back against people using mobile phones to contact family abroad.”

Several reports have affirmed that the North Korean government sees the absolute control of communication in the country as a weapon by which they can suppress the voices of the people. Their stance on international calls and communication technology is in a bid to obscure the realities and information about the extent of human rights violations in the country.

Most people who have fled the country often live in a constant state of fear due to not knowing the situation of their families. The inability to contact their loved ones leaves both parties in the dark about whether they are alive or dead, imprisoned or being investigated.  

south korea call forwarding

How Do North Koreans Communicate With The Outside World?

Many North Koreans have relied on the booming private economy to gain access to smuggled clothing, food, and other goods from China. Along with this trend includes the smuggling of mobile phones and SIM cards. This practice is however not without great risks.

In a 2016 report by the New York Times, it was revealed that North Koreans have had to rely on smuggled-in mobile phones from China in order to connect to the rest of the world. People who live near the border with China are at an advantage as they can easily take advantage of some of China’s mobile networks to make international phone calls. For people in other areas, however, the ability to communicate with the outside world is much less easily done.

Government Crackdown on Illegal China Phones

Making calls at the border has become increasingly difficult to take advantage of as Kim Jung Un ordered that there be more measures put in place to prevent the exchange of information between North Korea and the outside world. This major government move has also cut down the number of North Koreans defecting to South Korea from 2,914 in 2009 to about 1,276 last year (Source: New York Times).

The North Korean government strengthened the crackdown on mobile phones that are being smuggled in from China with measures such as deploying surveillance devices and more soldiers along the border. High tech devices that jam communication signals have been deployed and used to trace calls back to those who used the banned mobile phones. The level of risk involved is massive, and North Korea has no issue going to the most drastic measures possible to halt the ability of their nation to communicate with those beyond their country’s borders.

Arrests and Incarceration

There is always a high price to pay whenever someone gets caught making illegal international phone calls in North Korea using smuggled Chinese mobile phones. Those who get caught are often sent to reform facilities and prison camps. In some cases, they are made to pay a certain fee as a bribe, if they have connections to influential people. According to several interviews by amnesty international, it appears that bribery is the motive behind many arrests.

Being sent to a reform facility is usually seen as a better scenario as this means a person would spend only about a year or two. Many people have been released with the assistance of bribing. Political prison camps are seen as much worse cases because they carry a longer, harsher sentence.

For those willing to take the risk, creativity and ingenuity are used. Many North Koreans who have a need to make international phone calls often come up with methods to avoid detection. When making international phone calls, they make use of pseudonyms and kept their conversations very short. Sometimes they climb up remote mountains to prevent their calls from being jammed or from being spotted while making illegal international phone calls.

The High Price of Communication

The imminent desperation and need for communication with the outside world has given rise to middlemen who offer the service to those who do not own a Chinese mobile phone. These middlemen get paid to set up phone calls so that the communication can be executed. This style of broker system is also used by defectors to send money to their families in North Korea.

Generally, the cost for this service can be quite high. The middlemen can take up to 30% of every USD1000 cash transfer as commission. However, the downside is that there are no guarantees that the money will reach the recipients. This is due to the fact that security agents are always on a mission to intercept money transfers, whenever possible.

There are also cases where family members send Chinese mobile phones, SIM cards, and money by bribing border patrol agents. With an increasingly tightened border, the bribes also tend to increase in value, reaching as high as USD500 per instance.

Despite the difficulties and dangers involved, communication comes at a high price for North Koreans with the ability and need to gain access to it.

3 Ways Airlines Use Call Forwarding to Increase Sales

I published an article a few weeks back, ranking the top 10 budget airlines in Asia and how to reach them. I noticed a trend amongst best in Asia: 60% of these airlines offer international phone numbers. The trend continues even further to major global airlines like Qatar Airways and American Airlines!

In this post, we take a look at how airlines use call forwarding to increase sales.

It can be expensive and complicated to make international calls. Your customers don’t want to dial a long-distance phone number just to book their flight. Instead, they are almost 3x more likely to make free calls.

Due to the industry’s nature, the customer base of any travel company is typically spread across many countries. The AirAsia Group, for example, services affiliates in Malaysia, Indonesia, Thai, India, Japan and the Philippines. (Source: AirAsia Corporate Profile)

Smart airlines provide local phone numbers in their target markets and forward inbound calls internationally. For example, Air Asia offers a local contact number in 15+ countries. This enables their business to maximize its potential in Asia – Pacific markets.

Click here to see how AirAsia makes themselves more accessible to customers.

airlines call forwarding
Source: Shutterstock D#208776862 – Standard License

3 Ways Airlines Use Call Forwarding as a Marketing and Sales Tool:

Call forwarding is a cost-effective marketing tool used by top airlines across the globe to increase sales. Airlines that list local or free phone numbers as a call to action in advertisements are guaranteed to receive more calls. The calls can then be forwarded internationally to any destination in the world.

Here are 3 ways airlines use local numbers as a marketing tool:

  1.        Mobile: booking hotline

A local phone number can be used as a reservations hotline to attract more traffic from any target country. Many airlines offer booking hotlines that direct customer inquiries to call centres or sales offices. 

  1.       Print advertisement: billboards, signs, kiosks

Print advertisements are still very efficient at reaching mobile consumers in 2017. Especially in Asia, airlines advertise their free phone number on public transportation, billboards, kiosks and signs. As you might see in the image, a free phone number is an effective call-to-action. 

  1.       B2B sales and customer support

Travel agencies and corporate customers shouldn’t have to pay to call you. A local direct line can have a tremendous impact on B2B sales and customer support. Business contacts prefer a phone number that is easy to call.

Local or toll free contact numbers can be advertised on the website to make an airline more accessible and provide better customer support.

To keep call centers organized at scale, airlines often use consecutive phone numbers—a sequential range of virtual numbers assigned to reservations, loyalty programs, and regional support teams. This creates a unified brand presence while making it easier to route and manage high call volumes.

Set Up a Call Forwarding Service for Your Airline in 3 Steps:

Global Call Forwarding offers a 15-day free trial to corporate users, so they can test as many as three local or toll-free phone numbers risk-free. Here are 3 steps for airlines that want to set up a call forwarding service:

  1.       Identify target markets and view rates

Which countries do most of your passengers come from? Airlines should offer local contact numbers in at least their top 3-5 markets. We can provide international toll free numbers from many of the 195 countries worldwide.

  1.        Choose the best call forwarding service provider.

The best providers offer free trials and a money-back guarantee. A call forwarding service provider will package the local/toll free number and forwarding service as one monthly fee.

  1.       Forward incoming calls

Forward incoming calls to any destination in the world – sales offices, call centers, cell phones or business headquarters. The potential is virtually unlimited.

Top 7 Destinations for Medical Tourism in the World

Overview

Tourism has existed for a very long time. However, medical tourism has become increasingly popular in recent times and this is because a lot of people are now looking towards the industry to deal with issues that affect their health.

Medical tourism is the process of traveling from your home country to another country in order to seek medical care. According to a study completed by the Medical Tourism Association, more Americans are traveling abroad in order to seek medical attention elsewhere. Most people travel for medical care because the cost for treatment is less expensive in foreign countries than in their home country. Others embark on medical trips because they want to undergo a process that is illegal in their home country. There are lots of medical procedures that people undergo while traveling abroad. However, the most common treatments are plastic surgery, heart surgery, and even dentistry.

Why Medical Tourism?

There are lots of reasons why people embark on medical tourism. A few of them are discussed below.

  1. It is Cost Efficient: This is probably the number one reason why most people decide to go overseas for medical treatment. By seeking help abroad, this saves on cost for elective procedures. For instance, the price for a particular treatment may be 50% less expensive in another country. Some procedures cost more than $10,000 in the United States, meaning that medical tourists can save $5,000 or more.
  2. Quality Service: It is human nature to assume that if something is cheap then it is likely to be of lower quality, but for a well-planned medical tour, the situation is always different. Most people embark on medical tourism to receive quality services from world renowned medical centers. Most medical tourist centers have been accredited by the JCI; (Joint Commission International) which means the quality standards of medical services delivered will be one of the best any patient can ever receive.
  3. Professional Treatment: Another reason why people go abroad on medical trips is to receive treatment from top professionals. Most of the surgeons who treat international patients have been trained in some of the best medical schools in the world. The hospitals in these countries offer state of-the-art facilities with services to international patients that are equal or greater to the services that are offered in their home country.
  4. Latest Technology: International patients have attested to the fact that they had greater access to treatments using the latest technology in the medical industry. Numerous medical tourism hubs offer tourists across the world the benefits of quality medical facilities at lower costs.
  5. Opportunity to Travel Abroad: Medical tourism allows patients an opportunity to travel abroad and experience life in other countries. Some people may even choose to recuperate in the country where they received the medical treatment.

Top 7 Worldwide Medical Tourism Destinations

More countries across the world are opening up their health systems to medical tourists by providing affordable costs; combining the experience with comfortable accommodations. The following 7 countries are known for providing the best medical care for international patients. Note that these medical tourism destinations have been properly scrutinized and rest assured that the clinics in many of these countries have been awarded JCI accreditation.

  1. India: You are probably wondering why India of all countries should make the list since it is known for ancient medicine. However, if you are looking for one of the best destinations for medical treatment, India should always come to mind. There are many trained and qualified medical professionals who are capable of treating some of the worst ailments in the world today. Indian doctors work very fast to diagnose you and start treatment immediately – which means a shorter waiting time for patients. The costs are also very affordable when compared to other countries.
  2. Singapore: Over the years, Singapore has been able to come up with formidable policies that have resulted in a massive boost to its economy. This has helped it establish its place as one of the most developed countries in the world. Singapore boasts world class medical centers that are operated by some of the best professionals you will find in the medical field. The country has received awards for its state-of-the-art medical service delivery. When considering a country to travel to for medical treatment, Singapore should come to mind.
  3. South Korea: South Korea is also one of the countries of the world that has experienced massive development in recent times. It boasts some of the best medical centers in the world. Hospitals in South Korea have a reputation not only in cosmetic surgery but for treating chronic injuries that people sustain when they get involved in serious accidents.
  4. Costa Rica: Though Costa Rica is more famous for having some of the best tourist attractions in the world, it has also cemented its place as one of the best medical tourism destinations in the world. Cost Rica provides social stability and transparency for its patients and provides them treatment using the latest healthcare technology.
  5. Thailand: Thailand has been able to build its reputation as one of the best medical tourism centers in the world. The quality of service delivery in Thailand is excellent and the health costs are low; which makes it one of the most affordable destinations for medical treatment.
  6. Germany: Germany also ranks in as one of the best countries to visit for medical treatment. They have excellent medical equipment, a wide range of specialized medical professionals, and some of the best medical facilities in the world, which has made it one of the best tourism destinations.
  7. United Arab Emirates: UAE is gradually building its reputation as one of the best providers of high-class health services. They boast of the best medical professionals and expertise that specializes in plastic surgery, abdominal surgery, dental care and many others. This makes them one of the favorite destinations to consider when planning for your next medical trip.

Whichever country you choose in your medical travels, take into consideration that destination is not more important than finding the right treatment for a certain condition. There is no compromise on care just to visit a certain country.