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How to Complain – The Squeaky Wheel Gets the Grease

: Image via Wikipedia

Have you ever been screwed by a company? Have they sent you the wrong item, or an empty box, or left your order backordered for so long that you can’t even dispute it with your credit card company any more?

What can you do?

I know you’ve heard the phrase, “The squeaky wheel gets the grease.” That means, he whines loudest, gets the most. The thing is, you have to whine effectively, or you’ll just get round-filed.

Targeting Subsystems On

Who you complain to matters more than what you complain about. The clerk at your local big-box retailer isn’t going to refund your online purchase. You need to complain to someone who can make a decision to help you. First, find the customer service email address. Next, if you are complaining about a recurring service, find the retention department’s email address. Finally, find the email address for absolutely everybody Vice-President or above for that company, including the board of directors. Go to their website, find the email for some PR drone and figure out the format. First.Last@Company.com or FirstInitial.LastName@Company.com or whatever. Look up the company in Google Finance and translate everyone’s name into the email format. You might not have the perfect list, but it should be close.

Target Locked On

Now that you know who you are about to blast, what are you going to say? A few things to include are:

Your contact information. If they can’t get back to you, they can’t make it up to you.
Details of the problem. Include the date of purchase, date of delivery, and a detailed description of what actually went wrong.
Scanned copies of receipts.
Any names of anybody you’ve had to deal with, either in the original transaction or when the problem occurred, if you have the names.

Engage!

What to say, what to say?

Don’t be abusive. It’s okay to be angry, and it’s okay to let them know your are angry, but swearing or threatening their lives will–at best–only get you ignored. Worst case, threats are illegal and they can pass your email along to the police.
Stay brief. It doesn’t matter that your daddy took you to Starbucks to use their free wi-fi when you were just three years old. Don’t talk about that time the aliens abducted you or how sad you are that they never call like they promised they would. Keep to the point. “This is who I am. This is what happened. This is what I want you to do about it.”

Send that sucker out. If you feeling particularly perturbed, send a CC to your state’s Attorney General and any possibly related regulatory agencies. I tend to save this step for round 2.

Book Review: Social Nation

Business, Reviews

I recently had an opportunity to read Social Nation: How to harness the power of Social Media to attract customers, motivate employees & grow your business by Barry Libert. Heckuva title.

Libert is the the CEO at Mzinga, which is a company that connects other companies–and their customers–using social media to collaborate and communicate. Social media is, quite simply, using the internet to drive interactive communication. This includes Twitter, Facebook, and forums. Sometimes, it’s just discussion, sometimes, it’s sharing user-generated content.

Social Nation “will show you, as an employee, customer or partner, how to use new social technologies, make yourself heard, and produce better products and services.” It bills itself as a “complete toolbox” for social media. Does it match the hype? Let’s see.

The book is broken into three sections.

Part 1: The Future of Business is Social

Libert asserts that the future of business is social. That is obviously true, to a degree. A solid viral marketing campaign can drive more eyeball to a product than a full-page spread in the New York Time or a 30-second spot during Super Bowl halftime. However, there are a lot–possibly a majority–of business-to-business companies that will gain no value from a social media campaign. Would a regional supplier with an exclusive distributorship for a top-name line of faucets benefit from being on Twitter? No. On the other hand, 17% of our time online is spent on social applications and the fastest growing demographic on Facebook is 35 years old or older. There is certainly some value to be gained by have a social media presence in some markets.

This section(all of chapter 3!) also contains a link to a test to determine your social media skills. I haven’t taken the test, mainly because I don’t feel like registering for another site. This struck me as nothing more than lead generation, which is a shame. It could be a useful tool.

Part 2: Seven Principles for Building Your Social Nation

This section has seven chapters, containing 7 case studies that detail the 7 principle of social media, as defined by Libert and Mzinga.

The principles include:

Let the culture lead the way, as demonstrated by Zappos.com.
Involve your fans. The big takeaway from chapter 8 is that, when you create a community, your job is to facilitate involvement, not to control it. If you try to run it with an iron fist, it will choke and die.
Reward others and you will be rewarded. Apple lets developers keep 70% of the money they make in the app store. That encourages developers to develop, making everyone more money. Give. Karma will take care of the rest.
There are 4 other principles, but some are just common sense, and I don’t want to give away the contents of the book.

Part 3: Start Today and Create Your Own Social Nation

aka

Chapter 11: How to Get Started and 10 Pitfalls to Avoid

Section 3 has just one chapter, but it’s a good one. It explains the difference between followers and fans, the value of each and how to bond with each. The difference? Fans are actively involved. Followers are far more passive.

This section/chapter also goes into some things to avoid, like abandoning a social media strategy too early, failing to market your business, underestimating the power(positive and negative) of a social network.

Is it worth getting the book?

Social Nation bills itself as a complete social media toolbox, but it falls a bit short. The book tackles social media from a purely strategic point of view, ignoring the tactical concerns. It’s clearly geared toward helping a company plan its social media strategy from a 10,000 foot perch. For the people in the trenches, or anyone with a grasp of strategy that’s looking for the details on running a social media campaign, it’s not enough. That said, if you are trying to plan a social media strategy, or you have no idea where to start, this is a great book for you. It holds a lot of value, but stops some distance before “complete”. Definitely worth a read if you are involved is social media planning.

Giveaway

I’m giving away Social Nation. If you’d like to have a chance to get it, just leave a comment, telling me how you like to see companies use social media. Fair warning, this is the book I read, so it’s “used”. I take care of books, so you can’t tell that it’s used.

Publishers, Publicists, and Authors

If you have a book you’d like me to review, please contact me.

Clearing Up Social Debt in 3 Steps

Finance

Debt can be thought of as a disease–probably social. Most of the time, it was acquired through poor decision making, possibly while competing with your friends, occasionally after having a few too many, often as an ego boost. Unfortunately, you can’t make it go away with a simple shot of penicillin. It takes work, commitment and dedication. Here are three steps to treating this particular affliction.

1. Burn it, bash it, torch it, toss it, disinfect. Get rid of the things that enable you to accumulate debt. If you keep using debt as debt, you will never have it all paid off. That’s like only taking 3 days of a 10 day antibiotic. Do you really want that itchy rash bloodsucking debt rearing its ugly head when you’ve got an important destination for your money? Take steps to protect yourself. Wrap that debt up and keep it away.

2. Quit buying stuff. Chances are, you have enough stuff. Do you really need that Tusken Raider bobble-head or the brushed titanium spork? They may make you feel better in the short term, but after breakfast, what have you gained? A fleeting memory, a bit of cleanup, and an odd ache that you can’t quite explain to your friends. Only buy the stuff you need, and make it things you will keep forever. If you do need to indulge, hold off for 30 days to see if it’s really worthwhile. If it’s really worth having, you can scratch that itch in a month with far fewer regrets.

3. Spend less. This is the obvious one. The simple one. The one that makes breaking a heroin addiction look like a cake-walk(My apologies to recovering heroin addicts. If you’re to the point that personal finance is important to you, you’ve come a long way. Congratulations!). Cut your bills, increase your income. Do whatever it takes to lower your bottom line and raise your top line. Call your utilities. If they are going to take your money, make them work for it. If they can’t buy you drinks or lower your payments, get them out of your life. There’s almost always an alternative. Don’t be afraid to banish your toxic payments. Eliminate your debt payments. This page has a useful guide to debt and how to clear it off.

Update: This post has been included in the Festival of Frugality.

5 Reasons Why I Splurge On Travel

Misc

Guest Post Author Bio: Miss T blogs at Prairie EcoThrifter. She grew up in the Canadian prairies and still lives there today. She is passionate about saving money, being healthy, looking out for our environment, and most of all having fun. Her blog shares tips on how you too can live a green, debt free, and fun life.

This week I am participating in a Yakezie blog swap where I am to answer the question ” Name a time when you splurged and were glad you did.” I had to seriously think about this for a minute and then it came to me. What do I consistently spend my money on that brings me the most enjoyment? Answer: Travel.

To say I love to travel would be an understatement. Travel for me is a life changing experience that I desire to re-live over and over again. I can think of a million reasons why I love to travel, but I thought I would boil it down to five.

1. Learn about myself. When I travel I gain a deeper understanding of myself and the world in general. Much of the experience is dependent on how different the environment is from what I am used to. When I traveled to Europe the first time, I got to try some different food and see how great it was to have a siesta in the middle of the day, but the transition was relatively painless. When I traveled to Central America last year for my honeymoon, I was a lot more out of my comfort zone. I was sleeping with tarantulas and geckos and trying food I couldn’t even pronounce. Plus, I couldn’t speak the language.

When I am in this kind of situation, I encounter things that I have never encountered before. I am forced to be on the alert because I don’t have any prior knowledge to rely on. Since everything is new, I am automatically forced to try to make sense of it all.

For many of us we have never really looked inside ourselves and examined what we are made of. When we are somewhere new, we have nowhere to hide. This is the point where you become really intimate with the ideas you have of yourself, of your ego, of life, which you may have been really identified to, and derived your sense of self from.

Your ego is essentially your self image; it’s the persona you display to society. Your ego survives only by constantly seeking approval from that which it wants to identify with. This is the society you are raised in. What happens when your family, friends, and your typical environment is not there to reinforce the ideas you have of your self? You ego becomes shaky; it starts to lose it’s hold on you. By traveling to the unknown, your ego falls apart and the true you is given the chance to emerge.

You begin to challenge and question everything you have ever believed. If you can be brave and not run away and use this as way to grow, you will see that all your beliefs belong to society and that they were never really yours to begin with. This can be extremely scary, liberating, nauseating and a million other things all at the same time.

I remember going through this very process when I traveled to Cuba. I knew intellectually that there were people in this world that weren’t as fortunate as me, but I was never able to fully understand that until I saw how some people lived in Cuba. I couldn’t help but reflect on what it would be like to never be able to own a home because the government owned everything and personal freedom didn’t exist. I wondered what it would be like to be so poor that I would have to walk around grimy city streets barefoot because I couldn’t afford shoes and it wouldn’t matter how many cuts I would get from broken glass because I had to get myself to work everyday on foot. That trip really shattered my ego and my mental models and when I arrived back home, I approached my own life very differently.

2. To do what I love. Interestingly, there are very few other areas of my life where I feel more at home and happy then when I am traveling. I really enjoy experiencing the unknown and all of the possibilities it has to offer. I guess I feel totally free; free from obligation and expectation. I am able to explore on my own terms and be who I want to be without negative consequences. When I am planning a trip, my excitement consumes me. I can’t help but wonder; what am I going to see? Who am I going to meet? What am I going to learn?

3. Re-live my youth. Unlike many of my peers, I skipped the university experience. When I graduated high school I went straight to working full time at my family’s business. It wasn’t until later in my life that I went back to university and got an education and got the job that I have now. I never had the opportunity to have 4 months off for 4 years and travel when I was younger. I was too focused on making money and buying my first house. I wanted to be an adult as fast I could.

Traveling now allows me to capture some of those stolen moments. The best thing is I have more money and resources behind me now so I can travel without incurring debt and causing financial strain which would have happened if I had done it in my younger days. I also have a partner to travel with, my husband, which allows us to grow and experience with each other by our side.

4. Redefine my boundaries. Being in a completely different environment than what I am used to excites me. I am somehow willing to try anything, regardless of what the consequences can be. When I was in Europe for the first time, I decided to try para-gliding in Austria. It was an amazing experience. However, if you would have asked me when I was still at home if it would run off of a mountain and free fall to the ground, I would probably have said “no way”. Being somewhere different allowed me to push my boundaries and cast my fears aside. Not only was it liberating and a ton of fun but it has made me push myself harder and further in other areas of my life which has only led to success.

5. Enhance my education. Learning through textbooks is not the same as learning hands on. I much prefer learning through experience. I find I never forget what I experience whereas I can forget what I have read.

Traveling allows me to enhance my education of the world around me through experience. I get to see first hand how something is made or used, or taste a food that I have never heard about before. I get to experience history by walking through castles and basilicas instead of reading about it or watching a documentary on TV. I get to discover the world for what it is first hand instead of through someone else’s eyes. I am able to learn about something honestly instead of through a tainted image painted by someone else.

The knowledge I have gained through my travels to date has enhanced my life and opportunities in so many ways. I have never learned something that hasn’t proven useful.

Travel isn’t cheap and to many is viewed as a luxury but to me it is something worth splurging on from one year to the next. The personal gains I get from my investment are invaluable!

Make a Budget

Finance

: Image by r.lovewell via Flickr

In the past, I’ve gone through a detailed series of budget lessons demonstrating how to make a budget and showing my personal budget spreadsheet template. If you weren’t here to see them develop, you probably haven’t seen them at all. I’ve never built an actual index for those posts.

This is the master index of my budget planning resources. As I develop more, this will grow.

Budget Lesson #1 – In this lesson, I go over how we handle discretionary income and I explain our modified envelope system. The discretionary budget contains things like our grocery bill, or the clothes we buy. We have near-total discretion over what is purchased, hence the name.

Budget Lesson #2 – Lesson #2 contains the details of our monthly bills. These are the ones that are consistent, predictable, and actually due each month. Most people take these for granted as the bills they have to pay, but it’s not true. You can get almost all of your regular bills reduced just by asking. You would also be surprised what you can do without, when properly motivated.

Budget Lesson #3 – This is where I explain how we deal with the non-monthly bills. That is, the bills that have to be paid, but are not due on a monthly basis. I also share the personal budget spreadsheet template I developed. I am working on a few sample templates to match various imaginary scenarios. If you’d like to be an anonymous case study, and get free help setting up a budget, let me know, please.

Budget Lesson #4 – In this lesson, I describe our “set-aside” funds for things that will need to be paid eventually, but not on a set schedule. Sometimes, they are never actually due. We set aside money for the parties we throw, for car repairs and for a number of other things. A few of these items are outright optional, but they are part of what makes life fun. You can’t make a budget without including some of the extras.

Budget Lesson #5 – This is the companion piece to lesson 2. Learn how I’ve reduced–or attempted to reduce–each of these bills. For the better part of two years, I called Dish Network every few months to ask for a discount. For almost 2 years, it was granted. Then one, day, they told me they were putting a note on our account to keep us from getting any more discounts, so I canceled. 100% discounts help us save more.

Budget Lesson #6 – This is the reduction companion to lesson 3. These bills are harder to reduce. Have you ever successfully gotten your property taxes lowered?

Budget Lesson #7 – This is the reduction companion to lesson 4. Notice a pattern, yet?

Budget Lesson #8 – Here, completely out of order, is the reduction companion to lesson 1. Watch as I magically reduce–or rationalize–our discretionary budget.

So, dear readers, what part of budgeting should I address next?

Saturday Roundup

Life

I’ve spend the last 10 days at home with my two youngest kids. It’s been a lot of fun. It’s amazing watching them interact with each other and seeing how their imaginations works. It’s also been a helpful reminder that, if I don’t turn on the TV, they will happily find something else to do.

30 Day Project Update

This month, I am trying to establish the Slow Carb Diet as a habit. At the end of the month, I’ll see what the results were and decide if it’s worth continuing. For those who don’t know, the Slow Carb Diet involves cutting out potatoes, rice, flour, sugar, and dairy in all their forms. My meals consist of 40% proteins, 30% vegetables, and 30% legumes(beans or lentils). There is no calorie counting, just some specific rules, accompanied by a timed supplement regimen and some timed exercises to manipulate my metabolism. The supplements are NOT effedrin-based diet pills, or, in fact, uppers of any kind. There is also a weekly cheat day, to cut the impulse to cheat and to avoid letting my body go into famine mode.

I’m measuring two metrics, my weight and the total inches of my belly, waist, biceps, and thighs. Between the two, I should have an accurate assessment of my progress.

Weight: I have lost 11 pounds since January 2nd. This is crazy. At least part of this has to be due to the natural swing of up to 5 pounds from day to day, and part of it is due to the fact that I was wearing jeans when I weighed in the first time and cotton pajamas this morning. From now on, this is going to be the first thing I do on Saturday mornings, so everything is as consistent as possible. Another factor is that I’ve cut most of the crap out of my diet for a week. My body has been flushing garbage. But dang! 11 pounds in a week. I’m a bit excited.

Total Inches: I have lost 5.5 inches in the same time frame. This is proof that it’s not just water that I lost, which is where first, dramatic losses usually originate in a diet.

The loss seems a little bit nuts. Here’s hoping it stays consistent.

Best Posts

Your retirement account shouldn’t be an optional investment. Do you know how to maximize retirement savings?

I’m a big fan of making extra money. Money Crashers lists 6 sites to help you rake in the cash, without needing any special skills.

Unclutterer is giving away three Fujitsu Scansnaps. I want one of these is a way that isn’t quite right.

I’ve been moving to LED lights instead of CFLs for a few years. CFLs make lousy security lights in Minnesota in the winter. They take 5 minutes to get to full brightness when it’s cold. LEDs last forever.

LRN Timewarp

This is where I review the posts I wrote one year ago.

I posted about the difference between bribes and rewards and the problems inherent in trying to buy good behavior.

Lesson 2 of my budget series went live, detailing my monthly bills.

We made some changes to our budget plans that haven’t worked very well. Over the course of the last year, every one of these ideas has either been partially or totally abandoned, but it’s working for us.

Carnivals I’ve Rocked

How to Complain – The Squeaky Wheel Gets the Grease was included in the Carnival of Personal Finance.

3 Things You Need to Know About Homeowner’s Insurance was included in the Festival of Frugality.

Thank you! If I missed anyone, please let me know.

Get More Out of Live Real, Now

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You can subscribe by RSS and get the posts in your favorite news reader. I prefer Google Reader.

You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.

You can ‘Like’ LRN on Facebook. Facebook gets more use than Google. It can’t hurt to see what you want where you want.

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You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of. I promise to reply to any email that isn’t purely spam.

That’s all for today. Have a great weekend!

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