When the concerns of the pandemic are growing rapidly, most of the sectors are struggling while managing between two priorities, managing public and employee safety and keeping the operations smooth. In a situation like this, working from home has become a global phenomenon. The sector of the business collection is no different either.
Given the present scenario and the importance of public health, social isolation has become the most effective way for personal safety. And that is why partial and complete lockdown has been issued all over the globe. Now, in a situation like this, even the best collection agency is making its collectors work from home. Needless to say, it brings a certain amount of restrictions on the work. But as the client and the creditor, you can make their work easier as it will, in turn, will help you get your money back too. How? Take a look at the following points to know more.
Get Updated with Guidelines
All the countries and states have issued new guidelines regarding debt collection and loans. So, it is most likely that wherever you are, there will be new regulations too. So, when you are hiring a commercial collection agency to take care of your debts, make sure that you are also getting updated with the newest guidelines that the state or federal government has issued for you so that you don’t waste time asking unnecessary questions to the debt collector as they are dealing with a lot of workloads while working from home.
Keep the Documents Ready
Owing to the present scenario of the Coronavirus outbreak, it is obvious that handling and sending documents for the collection process will need a different approach. Now, embrace the digital mode of documentation if you have not already. Prepare the digital invoices and use them for transactions. Also, keep the paperwork ready for scanning as it is the only way you can send them to the debt collector when it is necessary. Get prepared for virtual meetings with the collectors too as they are working from their home which means you won’t get a chance to visit their office and explain your case.
Be Open for Flexible Terms
This is the time when you have to be extremely practical in your approach. You cannot make any compromises on your money obviously. But you have to understand that this is a tough time for your client or customer too. It is most likely that their business or shop is closed and they are facing a completely stalled situation in payment. So, if you remain rigid in your terms of getting the money back in full amount and at the right time, it might become difficult for them for genuine collectors reasons. And it might cost you valued business associations too.
So, to avoid such situations, make sure that you are staying open for flexible terms. Offer different payment methods to your clients if they request. Maybe you have accepted checks before. But now the digital transaction is a safer way for you to keep the payment intact. Consider settlements with the debtors. The officials of business debt collection will prepare the feasible terms for both of you which will eventually help you both.
Stay Informed about Changing Standards
Globally, the economic situation is facing a huge uncertainty like never before. As the pandemic is wreaking havoc in several countries, authorities are changing their collectors standard protocols and regulations as they deem fit. In a situation like this, your debt collector is doing his best job. But you also need to stay informed about the changing standards as it will be helpful for your business.
Having understanding and insight in a situation like this necessary. So, make sure you are playing your part well too.
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The wet market, dry market and supermarket are destinations for people who need goods and products for their daily consummation. These places are often crowded because indeed, everyone needs food.
Among the many types of food, people seek aftermarkets is seafood. Aside from chicken, pork and beef, seafood is essential to the body and a favorite among households.
Because of today's busyness and a lot of inconveniences, many seafood business owners have brought their stores online, allowing the accessibility and availability of fresh seafood delivery.
If you are an owner of a fresh seafood online store, you know there are many things to consider, and one of them is sanitation. It could be one of the reasons why many are hesitant to buy seafood online; they have trust issues, especially because they most likely cannot personally see the seafood they want to order. Well, you have to assure them of a clean delivery by actually showing them how it is done. To help you with that, below are 7 must-haves for a sanitary seafood delivery!
All the staff who pack, seal and bring the seafood orders must be wearing the right garments that will eliminate the risk of possible contamination due to human particles such as sweat, saliva, dirt, hair and many more.
Other garment categories and accessories such as hair nets or hair caps, gloves and masks are helpful. These prevent human wastes to fall on seafood and even on the packagings; as you know, there could be very sensitive customers who get irritated and who would complain from seeing a small hair on the outer part of their food packaging. Be extra careful and clever.
All the containers, ice chests, pails, storage boxes and whatever type of vessel there is must be sanitized and even sterilized before use. Doing so will ensure that the fresh seafood will still be freshly and cleanly arriving at their soon-to-be owners.
Even if the staff might seem in a hurry, still do not skip washing the seafood containers. If you do, your seafood might acquire the dirt and bad odor from the vessels.
If the containers were just taken out from the storage rooms, clean them well, taking off the dust and rust which might have developed. On the other hand, if they were just used from a previous delivery, tidy them up thoroughly, leaving no remains of wetness and other seafood portions.
Carrying equipment like delivery carts should be kept clean because you use them to personally transport the seafood from the source to the vehicle and finally, to the houses.
Besides the fact that they must look presentable, carrying equipment should be sanitized, so whatever dirt or fishiness they have will not be obtained by the seafood and/or their containers.
The vehicle to be used in delivering the seafood must be disinfected as much as necessary. That is vital to eliminate any bacteria and to prevent the growth of them.
Of course, the vehicle becomes moist too due to the seafood you transport, and bacteria tend to build up in wet areas and items. That might lead to food poisoning when they affect the food you put in it.
Keep the vehicle away from pests like cockroaches, rats, worms, termites and also ants. You are delivering seafood, and they might be highly attracted to these. From time to time, see to it that your delivery vehicle gets cleansed too.
Manage your time wisely because as a store providing fresh seafood delivery, you are expected to bring the food the people need at the time they should have received it already.
Take note of the schedule, the expected travel time, the travel distance, the traffic and the unexpected and unknown occurrences that might spring up.
In that way, you can still allow time for cleaning your materials and your vehicle in case you need to before going for your next delivery. At the same time, you can be calm and at ease that the freshness will not suffer.
The customer receiving the fresh seafood delivery must be totally informed regarding the materials they must prepare. These might include their own plastic bags or chests. It depends on the seafood they ordered and on the availability of your products.
Just make sure you talk with them clearly, so no inconvenience will be met once you arrive at the place. It's for the comfort and benefit of both parties.
Handle the seafood carefully to avoid dropping them, spilling them and many other mishaps. Of course, skills are very important just as carefulness also is!
It takes a lot of effort to earn the trust of people who are used to going to the market for them to buy seafood online. This is food, and not like any other material like clothes, shoes and toys; people are more assured that they are not deceived when they actually see and touch their product.
This is the challenge faced by owners of fresh seafood stores online. Some people are not easily convinced, especially when it comes to freshness and sanitation. That is why as an owner or a staff of an online store that sells seafood, you should triple your efforts in showing outstanding performance, leading to excellent results. Take your fresh seafood to their houses as fresh and as clean as they should be. In that way, customers will know they can rely on you and order again.
Moreover, a clean seafood delivery is crucial not only because it will speak a lot about your store name's image and reputation but also because it is a chief factor in the health of everyone who will eat your goods. Improper delivery strategies can lead to staleness and dirtiness of seafood.
Keep in mind to always see how your business is going not just financially but sanitarily too. Make your customers and potential regular clients happy and proud, thankful and healthy.
AUTHOR BIO
Nicole Ann Pore believes that freshness of what people eat is always important not only because of the experience but also of its health implications. She writes about matters that revolve around fresh seafood and the market industry. Nicole is a daytime writer for Manettas Seafood Market Australia, an online and interactive seafood market allowing accessibility to the highest quality seafood from Australia and abroad. | Nicole graduated Cum Laude from De La Salle University Manila, Philippines with a Bachelor’s Degree in Communication Arts.
Let's begin with me asking you a question and you answering it or at least thinking about the answer. What according to you is the most crucial part of your lives? Yes, your family and their love are, here I want you to think financially. What is that one thing without which you cannot survive? Something after which every human is running in a never-ending race, day in and day out?
Can you guess? I am sure you must have thought of it. Yes, you are right; it is those green bills, a mere piece of paper that has mankind dancing like its puppets. Money is the only thing that is holding us up. Money is the only thing that is responsible for the food we eat, the clothes we wear and the house we live in.
Everybody knows its importance and everybody values it. All of us know that using it wisely is even more critical. Then, how is it possible that people the entire world, be it the rich or the poor tend to lose it?
There is the affluent section, who despite having millions of pounds, ends up losing all of it and go bankrupt. Then there are the poor, who don't have enough in the way of money, and what little they have is drained by their needs. Then they wait for the next disbursal of income that is if they are lucky.
It is a sad state of affairs. Where do we go wrong? Why is to so difficult to retain money and avoid it slipping through your hands like sand? Let us analyze the common misjudgments made by the rich, the middle-class and of course the poor.
Being injudicious is the prime error in money management. How? Read on.
Like the usual kind of illiteracy, financial illiteracy means that you cannot read and comprehend the financial jargon. If you cannot do that, how can you expect to get returns on your money in the financial markets?
You would be astonished to know that a staggering 90% of investors lose their priced assets upon investing in the stock market. And this is the minimum count, at most about 99% can also say goodbye to their money in the arena of shares. All this is because people are not aware of the concept of investment strategy.
The next one is a lot more common than financial illiteracy. Even the ones who know about it, spending their entire income.
You work hard every day; I know you have every right to spending your hard-earned money. However, don't spend the entirety of it. Living "hand to mouth" should not be a financial strategy.
It may be so that your income is too low that you have no way around it. Your life is stuck to follow the paycheck to paycheck regime. But introspect, do you need the fancy 1000 thread count sheets? Can't you go without the Netflix subscription? Would it be a crime to have home-brewed coffee than the everyday cup from Starbucks?
The answer to all of these will not let you drain all your money.
The previous mistake and this one are co-related. If you do not live hand to mouth, you will have a safe deposit as your back up and vice-versa.
Not having enough balance in your bank account to rely upon in emergencies is a significant reason for debt amongst many of us. Again, introspect and find all the loopholes in your financial management to start saving today.
People have a sad tendency of not knowing their worth. It is another problem in their financial skills. Each one of us has some financial assets to be used in difficult times. It could be your house or your pious retirement fund. Almost all of us think that this fund cannot be touched before you retire, but my friend that is not the case.
Assuming you are in between jobs, and you need money to support yourself right then. Instead of going for doorstep loans for the unemployed, you can borrow from your retirement fund. This way, you will not be paying extra money to the lender in the form of interest and losing it.
You can always add the borrowed amount plus interest in the fund when you are in the right place financially.
Now, you know where all of us are going wrong. The majority of us have made some of the mistakes mentioned above. The rest of us have probably made all of them.
It is alright if you have made one or all. What is important now is to start rectifying your mistakes every day.
Plan before investing your money in the stock market or mutual funds, understand the market trends and do proper research.
Spend frugally and save like a pro.
Before taking a loan, check whether you have an asset that can supplement your needs and save a ton.
Earning money and retaining it, both are not easy tasks. However, if you avoid some mistakes, your financial situation will never turn into a nightmare.
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