Savers best retirees income

Pension Passport: Pensions Minister Steve Webb
Pensions Minister Steve Webb has thrown his backing behind Money Mail’s calls for a Pension Passport.
This is Moneys newspaper sister publication Money Mail has consistently highlighted the plight of savers whose retirements are blighted after they take the wrong pension deal.
Such an error can cost them thousands of pounds. We believe a Pension Passport would mean fewer people lose out like this.
A simple, easy-to-read document, it would be packed with details about the size of savers’ funds and the number and type of pension pots they have.
Other information such as marital status or health that could impact on the size of their payout would be included.
This passport could then be taken to a free guidance session or an independent financial adviser to help them find the best retirement income. It has been a centrepiece of our Stop The Great Pensions Rip-Off campaign, launched this year.
Today, in an article for Money Mail, Mr Webb said the Department for Work & Pensions was already talking to providers about making sure the information they send to retirees was ‘consistent and easy to understand’.
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He said: ‘Amazingly, the average Briton has 11 different jobs in their lifetime.
‘Even a financial expert would have trouble keeping track of 11 different pensions and understanding the retirement income they could expect from them, so what hope for the rest of us?
‘A Pension Passport which consolidates this information would be a welcome step, and we are already talking to pension providers about making sure that the information they provide to savers is in a consistent and easy-to-understand format.’  
From next year, savers will be able to cash in their entire pension pots.
They will be given a free session of guidance to help them decide what to do with their money.
But this will be worse than useless if they do not have the correct information.
Such confusion would be prevented with a Pension Passport.
Mr Webb today has also called for savers to receive proper compensation for administrative mistakes made by pensions firms. It follows our investigation into pension blunders published last week.
Earlier this year, Martin Wheatley, the chief executive of City watchdog the Financial Conduct Authority, said that the regulator was closely considering the idea.

on has storefront

A coffee fanatic has travelled more than 150,000 miles in a bid to visit every Starbucks in the world.Rafael Lozano, from Houston, Texas, has spent more than £100,000 getting to 11,733 outlets in six continents.But the coffee chain fanatic actually prefers an artisan blend, and when hes not on his mission to visit every store, he can be found at independent shops.
Full of beans: Rafael Lozano pictured outside a Starbucks in Myeongdong in Seoul, South Korea, on his mission to visit every outlet in the world
Coffee high! Rafael, pictured outside Starbucks in Roseville, California, has spent more than £100,000 getting to 11,733 outlets in six continentsRafael said: Its such a fun project. Even though people think its a bit crazy Im going to carry on. I want to tick them all off the list. 
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The 42-year-old started his project in 1997 when there were just 1,500 Starbucks in four countries.As the chain expanded rapidly, Rafael visited the UK four times and jetted all over the world to try and keep up with new openings.In every company owned shop he drinks a caffeinated drink and snaps a selfie or a picture of the storefront.
Caffeine buzz: Rafael pictured outside the coffee chains branch in Apgujeong Rodeo in Seoul, South Korea
Make mine a grande! Rafael pictured in Myeongdong in Seoul, South Korea, as he travels the world visiting every StarbucksBut since the global coffee powerhouse started shutting branches, the computer programmer has been racing to visit stores before their closure and once drank 29 cups in a day.He also undertook a 25,000-mile round trip to make it to 40 stores after he heard about their closure last minute.His project has also lead him to Hawaii – where he stayed for 30 hours without ever visiting the beach – as well as Egypt, Kuwait and Lebanon.Even though his project excludes franchised stores he is 4 per cent short of reaching every Starbucks in the United States and Canada alone.And Rafael has accepted that he might never complete the challenge as the huge multinational will outlive him.
Pictured in Memorial City Way, Houston, Texas, Rafael has been travelling the world visiting Starbucks since 1997
Rafael, pictured in Hongdae Gallery, left, and KEB Uljiro, Seoul, South Korea, right, thought it would be fun to visit the worlds Starbucks
Too much coffee! Rafael takes a nap outside Starbucks in Willow Park Village, Calgary, Canada, on his round-the-world trip
On a mission: The adventurer, pictured outside Starbucks in Indiana University, Bloomington, IndianaDespite the uniform branding the firm is known for, Rafael sees the unique features of every one.His favourite is the branch on Duddell Street, Hong Kong because its décor mirrors the style of a traditional Bing Sutt tea house.Rafael, who has legally changed his name to the one word moniker Winter, said: Originally it was just a hypothetical question.I wondered: Would it be possible to visit them all?.Most people would leave it as a hypothetical question but I figured, why not?
What a buzz! Rafael lies in a small garden outside a Starbucks in Sogong, Seoul, South Korea, on his travels
Rafael, who has travelled more than 15,000 miles, pictured outside Starbucks in Apgujeong, Seoul, South Korea
Rafael Lozano, from Houston, Texas, has spent more than £100,000 getting to 11,733 outlets in six continents, including this one in Mokdong Paragon, Seoul, South KoreaIt seemed entirely possible and as it meant travelling round the country it became a lot of fun.I became a freelance computer programmer around the same time, and although it wasnt to pursue the Starbucks mission, it certainly gave me more freedom to carry on with the challenge.They reached their peak in 2007 when they opened more than 290 stores a week and it used to consume all my free time.Then they had an implosion when they announced the closure of 600 stores and since then the growth has slowed dramatically.So Ive been desperately trying to get to all the ones due to close before they are lost forever. 

Club service advocate stand things

It’s smart to be asking about building up repeat business. After all, its common knowledge that it costs a company more to get in new customers than to keep the ones it has.While there are tricks that businesses can employ, like loyalty cards or campaigns, the bottom line is that those who enjoy dealing with your firm are going to come back for more.
To build up solid relationships with potential buyers youll need to understand what it is that makes them happy – and use that information to increase the frequency of their visits.
Fans: Aston Villa FC now takes better care of its fans
British football was once notorious for its lack of attention to
customer service. Fans will always be loyal – so why make the effort?
But rising ticket prices mean that football enthusiasts are now more careful about how
much they spend following their team. Modern fans also have a much wider
range of entertainment choices, putting football clubs in a more
competitive environment.  Aston Villa FC is tackling these
challenges by making its small 25 seat contact centre the hub of a
revolution in the way the club communicates with fans.
Our contact
centre staff are now genuine ambassadors for the club and they
appreciate that even a simple phone call is a connection between a
supporter and their club and that they can make that experience
special,” says Nicola Keye, Aston Villa’s head of consumer sales.
been taking this a stage further. So if we know that a fan has enquired
about tickets for a particular match or about coach travel or a stadium
visit and we have some information that we think would interest them,
we pick up the phone and call. We hope that, for many fans, getting a
call from Aston Villa gives them another positive connection with their
club. Aston Villa is a great example of a business that has looked
forward, recognised that it needed to change, and put customer service
at the heart of its new direction.
An important factor in repeat business is to never take customers for granted.
they buy a product or a service from you, theres no promise they will
return – which is an important aspect of running a
sustainable small business.
Follow the tips below to ensure your service is top notch.What do your customers want?According to Vodafone research, businesses of all sizes say that customers are more demanding than ever.
They’re armed with more
information than they’ve had before. They then communicate and share
that information through rapidly expanding social media communities.
They also have more options, more choice, and their expectations of the
service you provide are rising all the time. As Sue Morris, of Vodafone UK, points out: If there’s one thing that definitely has changed over the
last few years, it’s how much busier people are. Everyone is constantly
switched on.
People have less time, which means they demand more of your
business when they need to get in touch. What does this mean for the customer service
industry today?
What are the biggest priorities? In my opinion it’s
three things. In such a fast paced environment, speed and efficiency
are prerequisites, large or small businesses both have to deliver great
service regardless of channel – in person, on the phone or online – and
on every occasion the goal is for customers to come away saying “that
was easy, it worked, and I’m impressed”.How to keep your customers happy: top tips
Vodafone has come up with five areas that small firms can focus on to improve customer service:CUSTOMER SATISFACTION: THE RESEARCH
No company
can always get it right the first time, every time. The key to customer
satisfaction is often the way in which a business responds when things
arent going well, rather than when they are.
fact, this area is so key that when it comes to defining a progressive
company the most important factor, according to YouGov research for Vodafone based on the views of 1,000 staff members and managers, is customer satisfaction.Interestingly,
while employees in progressive companies viewed customer satisfaction
as the most important factor for creating a successful business in the
Vodafone study, those who said they didnt think that they worked for a
forward-thinking company believed their firm rated it as far less
suggests that their attitudes are different – companies that arent
progressive are not focused enough on their customers and more concerned
with internal processes.
1. Stay focused on the basics
A lot of talk today is about ‘connected’ consumers.
large and small businesses are likely to respond with more and more
emphasis on social and digital communication. As research shows,
however, the vast majority of people still want to communicate by phone,
email or in person.
So make sure your customers are always able to contact you on their terms.
most businesses this will mean keeping these core elements as the
bedrock of a progressive multi-channel strategy.
2. It seems obvious, but ask your customers for feedback
Above all customers want their issues resolved satisfactorily. Companies that do this well know their customers inside and out. They
solve problems successfully because they know what both delights and
irritates their customers at every single stage of their journey.
help you achieve this goal, it’s well worth considering investing more
of your time gathering detailed customer feedback. Large businesses can
consider new systems that gather real time feedback via interactions on
mobile phones, for example.
Small businesses can compete by gathering feedback and intelligence via social media. TOP TRICKS
Loyalty ProgramsCustomer loyalty programs can be a gift and a curse. If done correctly they fuel repeat purchases, potentially turning a passerby into a loyal brand advocate.
Stand for somethingA study by the Corporate Executive Board found that of those consumers who said
they had a strong relationship with a brand, 64 percent cited shared
values as the primary reason. If you want loyal customers, you need them
to care about you.
3. Use social media to do more with less
customer service terms, social media is often talked about as a new
channel that will need to be implemented to address new demand. It can
also help you understand what your customers feel about you.
could it also help you drive new efficiencies? Used as part of your
overall service mix, social media has great potential to cut costs
within your customer service operation. For example, by diverting some
people away from your phone lines.
you run a small business you can consider taking this a step further,
using social media to build an in-depth customer service capability that
will help you work around your limited capacity to take calls. 4. Do what you can to break down walls
Great customer service is carried out by individuals who feel like they have full responsibility for resolving issues.
Organisations that do it will also make sure each individual is focused on the customer experience.Equally,
great customer service is characterised by a seamless experience
regardless of whether it’s delivered in a shop, on a PC or on the phone.

Consider how you’re
going to do this better by breaking down the barriers that exist within
your company. Can you do more to help staff share knowledge and insight?
Job shadowing across departments or areas of the business might be a
good start.
sure managers spend time on customer service issues is even better.
5. Take
it one step at a time, and set those expectations
Whether you are
thinking about adding new channels like social media right now, or
simply have them on the to-do list, the key thing to remember is to take
it one step at a time. The social media world in particular is very
accepting of experimentation.
a small start, gather feedback along the way and refine your efforts as
you move forward. And remember, just like your stores or your phone
lines, social media doesn’t necessarily have to be 24/7.
ok to set expectations. Some of the biggest companies in the world
confine their social media customer service to office opening hours. If
that’s the way you prefer it, it’s ok for you to do so too.
Source: Vodafone
Accept responsibility and take ownership After
delving a bit deeper into Vodafones research, it emerges that, for customers, really
excellent service boils down to companies taking
responsibility in the event that something
goes wrong.
While collecting information for its report, respondents were asked to rate
the quality of their last experience with a firm.
Out of the people who were delighted, those individuals said they felt the person handling their enquiry cared and accepted responsibility.
Therefore, for successful customer service success:
Above all customer service needs to satisfactorily resolve the issue
In doing so it needs to be highly responsive and minimise the effort the customer needs to put in
It needs to be delivered by staff with the expertise, understanding and authority to resolve the issue satisfactorily
It needs to take full, un-qualified ownership of the issue: avoiding passing customers from pillar to post. Poor customer service: the real damage Vodafone research has also revealed just how devastating poor performance can be on a business:
service means you lose customers – 85 per cent say they actively avoid
companies they’ve had a poor customer service experience with
service leads to lost revenue – 80 per cent spend more with companies
that they’ve had a good customer service experience with
service also means you miss opportunities – 62 per cent actively avoid
companies which friends have told them offer poor customer service (and
with 76 per cent of those receiving sub-standard service telling at least one
other person, this means most of us have a pretty long black list)
The impact of poor service on the bottom line is significant.
According to Ovum, The Cost
of Poor Customer Service: The Economic Impact of the Customer
Experience 2009, all told, it’s estimated that UK companies lose £15.3
of the most common mistakes small-business owners make is to focus so
much time on attracting new customers that they scrimp on the effort it
takes to create loyal customers.
The boss: John Fox
Liberty SIPP managing director John Fox works believes making customers feel special is an important part of good customer service.He explains: Good customer service is
the bedrock of all successful companies. If you offer it, customers stay
with you and, crucially, recommend you to their friends, family and
colleagues. This, in turn, creates new customers.Its
often the little things that matter more to customers than the big
things. For example, one of our staff once sang Happy Birthday down the
phone to a customers young daughter. Little things like that can really
make a big impact. People remember them and a bond is created that can
last many years.Another member of staff, Helen, once received an envelope addressed to “Helen
Harrison Pretty Perfect Pension Person” after she had spent a long time
on the phone explaining to a client how his pension payments could work.
SIPPs 4000th customer was recently sent a large bouquet of flowers,
which she – and her financial adviser – both appreciated.In
the financial services world, weve found that good customer service
goes hand in hand with personal customer service. People like to know
that they can speak to someone at any time, and not just any person but
someone who knows all about their situation.Give back
Rewarding customers doesnt have to be expensive – even very small gestures will be appreciated.
Plus, research shows that when these gestures come as a surprise, they are even more powerful.Remember a time that someone did something nice for you unexpectedly; the act probably wasn’t all that unusual, but the fact that it came out
of nowhere left a bigger impact.Make it personalIn
a study from the Journal of Applied Social Psychology, researchers
found that waiters could increase their tips by 23 percent by the simple
act of returning to tables with a second set of mints.The personalized service received made them enjoy their experience so much more.

Markedly — was clear

London (CNN) — More than a decade after the Iraq war, when one million people took to the streets to protest against intervention, British lawmakers have again been grappling with their consciences.
In 2003, then-Prime Minister Tony Blair won a vote authorizing the use of force as part of a U.S.-led coalition to overthrow Iraqi President Saddam Hussein, but the wars chaotic aftermath left a bitter legacy.
Last year British Prime Minister David Cameron lost a vote to bomb the Assad regime in Syria amid public opposition to another war. Political commentators said the failed vote by Washingtons long-standing ally put a brake on President Barack Obamas plans to punish the Syrian leader for allegedly using chemical weapons on his own people.
However, the task of Obama in building a coalition is likely to be made easier after Cameron easily won Fridays vote, by 524 votes to 43, authorizing the airstrikes against ISIS targets in Iraq. The opposition Labour Party supported the action against the Islamic militant group, despite doubts of some lawmakers on both sides of the House of Commons.

Weaken ISIS, strengthen Al Qaeda?

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Cameron responds to Haines beheading

Opinion polls also suggest backing for action has grown following the release of videos showing the beheadings of western hostages. In August opinion was evenly split (37-36%), according to one YouGov poll, but is now markedly more in favor (53-26%). Polling by Comres conducted before the death of British hostage David Haines also found similar backing for airstrikes: more than half of those who took part in the survey backed action — a rise of 5% in a month.
Cameron recalled Parliament after Iraqs Prime Minister Haider al-Abadi requested British military support in its battle against ISIS. Fighter planes from France and the United States have already started bombing in Iraq, but unlike in those countries the convention in Britain is for lawmakers to vote in Parliament before action is taken.
Veteran political commentator Robin Oakley said MPs were more in tune with the public than a year ago. The degree of ISIS brutality has changed a considerable number of minds.
People who previously had doubts are now convinced that there is no alternative but force. Voices will be raised: some MPs believe that bombing ISIS may radicalize the population in areas that it controls. Local people who never liked the al-Maliki government and who may have been suffering ISIS may now offer it their support.
Oakley said it was the brutal videos that had likely won over lawmakers — in contrast to the Syria vote. Last year Labour couldnt support the action because MPs felt there was no conclusive evidence that al-Assad had used chemical weapons against his own people.
MPs will worry about mission creep when there is no obvious aim apart from to eradicate ISIS. Military action may destroy the leaders but it cannot eradicate ideas — so the fear among lawmakers is that this intervention could be counter-productive.
Outside Parliament, there were also doubts about the military action. Protests took place in central London on Thursday, organized by Stop the War. The groups spokesman Ian Chamberlain said that while it was important to listen to public opinion, once people start to see the results and start to reflect, I believe support will fall.
Public support for military interventions in Afghanistan collapsed after the results of the bombing became clear. Bombing increases sectarian hatred of the west, and its obvious that military intervention doesnt work. You cant destroy terrorism by bombing infrastructure. It just brings more terrorism.