Starwood Preferred Guest Credit Card from American Express

Earn 10,000 Starpoints® with your first purchase1 - enough for up to 3 free nights at a Category 1 or 2 hotel.2
Plus - earn an additional 15,000 Starpoints when you spend $15,000 in 6 months.3
Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries.

Starwood Preferred Guest® Credit Card from American Express

• Earn 10,000 Starpoints® with your first purchase1 - enough for up to 3 free nights at a Category 1 or 2 hotel.2
  
• Plus - earn an additional 15,000 Starpoints when you spend $15,000 in 6 months.3
  
• Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries.
  
• Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines.4
  
• Earn one Starpoint for every dollar of eligible spending5 and double Starpoints at participating Starwood properties and retail outlets.6
  
• Pay no annual fee for the first year and only $45 thereafter.7
  

Starwood Preferred Guest® Credit Card from American Express

• No annual fee for the first year; $45 each year thereafter.VI
  
• Additional Cards are fee-free. Payment Options
  
• Pay over time or pay in full.

• 2.90% Intro APR for 6 months on purchases made with the Card, then 14.99%.
  
• For Balance transfers, APR is 2.90% for the first 6 months, then 14.99%.
  

DID YOU KNOW?

	If you are considering purchasing life insurance, an overview of the available types should prove helpful. This article will briefly discuss the difference between whole and term life insurance, as well as some variations on whole life insurance. The easiest way to understand the difference between whole life insurance and term life insurance is to look at what is meant by their names. When you purchase whole life insurance, you are covering your "whole" life - as long as you own the policy, it will pay a benefit when you die. What that benefit is depends on the value of the policy at the time of your death, but you own the policy even if you are no longer making payments on it. Whole life also accumulates a cash value on a tax-deferred basis. In addition, whole life can pay dividends throughout the life of the policy. Term life insurance, on the other hand, is purchased for a certain term, or period. As long as you die within that period, term life insurance will pay an agreed upon amount to your beneficiaries. It will not pay if you cease to make payments or if you die after the term has expired. In addition, term life insurance has no cash value. Two other aspects of whole versus term life insurance should be pointed out. The first aspect is that premiums for whole life insurance are higher to begin with, but remain steady over time. On the other hand, premiums for term life insurance are lower near the beginning of the policy, but increase over time. Another aspect is that you can borrow against the cash value of a whole life insurance policy. This is not possible with term life insurance, since it does not have a cash value. There are two variations of whole life insurance that need to be mentioned. The first is a more flexible form of whole life called universal life insurance. With universal life insurance, you can adjust (within certain limits) the premiums as well as the benefit amount over time to suit your financial situation. This is made possible by placing the premiums in a fund that accumulates based on the interest rate. As with normal whole life insurance, this type of policy has a cash value that can be borrowed against. The second variation on whole life insurance is called variable life insurance. This type is similar to universal life insurance, except that the premiums in the fund are tied to the financial markets rather than to interest rates. While the potential for growth is greater with this type of insurance, the potential for loss is greater as well. As you can see, there are some choices to be made when considering the purchase of a life insurance policy. Now would be a good time to use some of the other resources at this site to help you decide on the life insurance policy that is right for you and your family.

Finding offshore customers for a call center startup is a difficult proposition. The real challenge, however, comes afterwards - delivering and meeting the expectations of those customers!

First things first though - how to go about finding your initial customers? The first question that you need to ask yourself is why some organization should outsource work to you? For them outsourcing is certainly an attractive, but high-risk proposition. It is attractive not only because it lets them concentrate more on their core activities, but also because of cost-savings. Their risks are primarily quality and reliability related. As a startup you should be prepared to address these risks in a satisfactory manner.

For starters, you should be able to back the quality and reliability of your service. This can be done in many ways: you should try to do them in as many as possible. A standard device guaranteeing the quality and reliability is a Service Level Agreement (SLA). You should develop an SLA defining industry-standard performance criteria for your company.

You should also show the prospective customer some evidence about your track record (e.g. list of customers and testimonials) in the running of call centers. As a startup, you may not have such testimonials. In that case, you should highlight the call-center-related experience of your key team members.

Call center customers prefer specialists over generalists. Try to select a niche for yourself, e.g., order taking, helpdesk, telesales, etc., and try to build your whole selling pitch around that niche.

Before making a pitch to prospective customers, try to understand how their business work and be ready to tell them the following: how they can make-more-money or save-more-money or get-more-business or enhance-the-quality-of-their-service or improve-their-product by outsourcing their call center function to you?

Do tell them about the processes that you have in place to assure the quality of your services. An industry-standard quality certification will be invaluable in this regard. Do develop a disaster-recovery plan and share it with the potential customer.

Here are a few more suggestions: get in touch with your country’s expatriates in the target country for leads and other assistance. Register your company with country-specific organizations (like NASSCOM in India, PSEB in Pakistan) and international portals like offshorexperts.com. Write to other offshore companies in outsourcing powerhouses like India, Philippines, and Canada and see if they would like to develop a partnership with you.