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Tuesday, April 22, 2008

Important answers to your questions

Top of the morning to you out there!  I'm Donna J Jodhan at the business desk and it's time for me to open up our e-bag and answer as many questions as I can for this week.  Before doing so however, I would like to thank the many of you for your feedback and comments and I will do my best to answer as many questions this week.
 
Question from Jane Pearson:  I am thinking about retiring early but with a pending recession I am not sure what I should be doing.  Any suggestions?
Answer:  Jane, I recently read a report that many of those who have been thinking of retiring early are now starting to rethink their plans and it all has to do with the recent downturn in our economy.  Economic downturns often hit retirees the hardest because it is during these times that they really experience financial difficulties.  It goes like this.  If you retire then your income bearing years are over and now you have to depend on the savings that you have worked so hard to accumulate and when the crunch comes you now have to work to stretch your savings to ensure that you can keep your head above water.  So, with all of this in mind, yes.  If you can manage to hang on and ride out the downturn, stay in your job until it is over.
 
Question from Darius Sky:  Do you think that those between the ages of 16 to 30 are savvy enough to start saving for their latter years?
Answer:  Darius, I don't think that it is ever too early to start saving and when it comes to this particular age group, it would definitely be in their best interest to start saving from now for their latter years as you put it.  I don't think that many of them really realize the ramifications that could befall them if they don't start doing this from now.  Many persons in this age group are still not very savvy when it comes to the topic of saving but I believe that it won't be long before you see more of them starting to take note.
 
Question from Scott Adenower:  Can you give me some benefits of using the services of a virtual office?
Answer:  Scott, I think that virtual office services can greatly help those who are involved in small businesses.  The majority of small business owners are constantly challenged with such things as:  The day to day operations of running their businesses, marketing activities, plus more.  It is extremely challenging for most small businesses to be able to juggle all of these tasks successfully at the same time and if they hope to stay in business then they need to find ways to allocate enough time to each of these tasks.  In addition to this, they need to ensure that they have the right type of skilled personnel to accomplish what they need to accomplish.  A virtual office is a very efficient way to help run a small business.  A virtual office can help to accomplish such important functions as: Daily scheduling of appointments, administrative and secretarial duties, answering services, and other types of office keeping duties.  Virtual office services are growing in importance and I would urge any small business to take a long hard look at how they can help to improve efficiency in their operations.
 
Question from Nigel Margaren:  So, how do we go about convincing companies to bring back their call centers from India?
Answer:  Nigel, by constantly bombarding them with our complaints and comments re our unhappiness about the services that we are presently receiving.  Maybe start boycotting their services and go to another competitor.  However with a smile I would hasten to state that other competitors may also be guilty of using call center personnel from India.  So, just keep up your protests.
 
Question from Greta Armondo:  I constantly worry about stress in the workplace.  I know that it is on the rise.  Do you think that stress is worse in the workplace than in the home?
Answer:  Greta, according to the opinions of many experts along with several reports that I have recently read, the answer is no.  Each location if you want to call it that comes with its own set of stress factors.  There was a time when many argued that stress in the workplace was greater than in the home but this opinion has recently shifted markedly and it all has to do with the recognition that stress does indeed exist in the home for many reasons.  Reasons such as:  The challenges of keeping a family happy, healthy, and positive.  Ensuring that food is kept on the table.  Ensuring that family goals and objectives are met on a constant basis.  Of course one can add many other factors to this very short list.
 
I am out of time for this week but please keep your questions coming and I will do my best to answer them.
At the business desk, I'm Donna J Jodhan wishing you a terrific day.

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