SO HAVE A WONDERFUL DAY.... DEAR FRIENDS.......
good morning my dear friend ..
If all that we ought to keep us HAVE, from which we learn SINCERE?
If all that we dream be realized, from which we learn PATIENCE?
If any of our prayers continue to be granted, how we can learn endeavor?
A person who is close to God, does not mean there are no tears ....
A person who is obedient to God, does not mean there is no shortage .....
An ardent prayer, that does not mean there are no hard times ....
May God is completely sovereign over our lives, because He knows the right time to deliver the best.
When your work is not appreciated, then the time you're learning about WV
When your efforts are not considered important, then you're learning sincerity
When your heart has been hurt badly .., then the time you're learning about FORGIVE.
When you are tired and disappointed, then the time you're learning about the seriousness
When you feel lonely and alone, then the time you're learning about the toughness
When you have to pay unnecessary fees you're responsible, then the time you're learning about MERCY.
Keep the spirit ....
Be patient ....
Keep smiling .....
Because you're studying at UNIVERSITY OF LIFE
God put you on the "place" is now, not because of "CHANCE"
GREAT people who are not generated by the ease, pleasure, and comfort
THEY in shape through a difficulty, CHALLENGES & TEARS.
good morning my dear friend..
Jika semua yang kita kehendaki terus kita MILIKI, darimana kita belajar IKHLAS?
Jika semua yang kita impikan segera TERWUJUD, darimana kita belajar SABAR?
Jika setiap doa kita terus DIKABULKAN, bagaimana kita dapat belajar IKHTIAR?
Seorang yang dekat dengan Tuhan, bukan berarti tidak ada air mata....
Seorang yang taat pada Tuhan, bukan berarti tidak ada kekurangan.....
Seorang yang tekun berdoa, bukan berarti tidak ada masa sulit....
Biarlah Tuhan yang berdaulat sepenuhnya atas hidup kita, karena Dia tahu yang tepat untuk memberikan yang terbaik.
Ketika kerjamu tidak dihargai, maka saat itu kamu sedang belajar tentang KETULUSAN
Ketika usahamu dinilai tidak penting, maka saat itu kamu sedang belajar KEIKHLASAN
Ketika hatimu terluka sangat dalam.., maka saat itu kamu sedang belajar tentang MEMAAFKAN.
Ketika kamu lelah dan kecewa, maka saat itu kamu sedang belajar tentang KESUNGGUHAN
Ketika kamu merasa sepi dan sendiri, maka saat itu kamu sedang belajar tentang KETANGGUHAN
Ketika kamu harus membayar biaya yang sebenarnya tidak perlu kau tanggung, maka saat itu kamu sedang belajar tentang KEMURAHAN HATI.
Karena kamu sedang menimba ilmu di UNIVERSITAS KEHIDUPAN
TUHAN menaruhmu di “tempatmu” yang sekarang, bukan karena “KEBETULAN”
Orang yang HEBAT tidak dihasilkan melalui kemudahan, kesenangan, dan kenyamanan
MEREKA di bentuk melalui KESUKARAN, TANTANGAN & AIR MATA.
The Top 15 Most Hated U.S. Companies
Posted by Mike Tirone - Monday, June 25th, 2012
It's a list that no company wants to be on...
The American Customer Satisfaction Index has ranked the most disliked companies in United States, and some usual suspects within the airlines, utilities, and banking systems have made the list.
The latest research of ratings show some significant losers among the list but other companies improved their position on the list (although being listed in the top 15 worst companies in the country can only be a limited type of improvement).
It is noted that service industries are typically lower scoring than manufacturing because of the lack of competition and the particularly difficult ability of interacting with the customers.
ACSI's David VanAmburg explains that companies that have very little competition or where customers have difficulty switching among the competition are in a unique position. “In terms of cost and convenience, companies may not need to satisfy their customers to the same degree in order to keep them,” he says.
With strategies like this, it leaves a lot of opportunity for companies like JetBlue and Southwest to prosper in very unpopular industries like airlines.
It is mentioned that the ACSI's customer satisfaction rating has a lot of to do with financial performance of that company and much of that is shown within the rankings...
#15 Bank of America
A perennial chart topper for worst companies in America, the major focal point of the Occupy Wall Street movements has consistently been tormented by its retractors. One of the world's largest banks enacted a $5 debit fee in August last year. Just two months later it discontinued it due to the massive outrage customers had against the already incredibly wealthy bank. But even before that, it is the company's mortgage division that received the most complaints, being America's largest mortgage servicer. Bank of America is the worst of the big banks in terms of customer ratings.
The cable/television industry is one of the country's most unpopular, mostly because of its size and limited number of providers, and DirectTV actually is one of the higher scoring companies within this sector. The largest complaints for this company are fall under billing issues. The most common problem is with the company changing contract details without notifying customers and then jacking up prices without authorization. There are hidden fees that they continue to charge people even after they cancel their service, such as a “remote control fee.” The Consumer Affairs forum, where customers to voice their opinions on the company, has been littered with complaints based around DirectTV's billing.
For being one of the largest health care providers in the country, some specific complaints are labeled “a mystery” as one physician expressed their issue with being unable to simply receive return phone call! The most common complaints for the worst health care provider on the list is that prescription co-pay prices are too high, funds have been withdrawn without authorization from clients and, in general, being a very unorganized company.
Perhaps surprising to many that the world's largest social network falls on this list, as there are many complaints about Mark Zuckerberg's baby. Due to the incredible popularity of the site, the most complaints are user privacy and child safety related. Other complaints were 'non-existent' customer support and the overall feeling that Facebook has ruling power over everything. Users were up in arms with the new Timeline feature of the site which people have claimed takes “stalking” to a whole different level.
Like many of these companies on the list, the complaints come with billing issues and poor customer service and CenturyLink is no different. The company is four points worse than last year and is the worst fixed line telephone company on the list. Their customer representatives are said to lack knowledge of the product and are not helpful. Some complaints literally have said the company has been “flat out lying” to them.
One of the few companies to have improved on the list, Delta jumped nine points this year. Customer representatives have been said to be very unprofessional but the company worked out some of its flaws after a poor showing in the previous year following the acquisition of Northwest Airlines in 2008. In a sector that is vastly unpopular, a #10 ranking isn't great, but could be much worse as well.
#9 US Airways
As you can see, the airline industry can't catch a break if the company isn't named JetBlue or Southwest. But what this trio of airlines (Delta, US Air, and American Airlines) must see is that customer satisfaction is vital. Complaints include inaccurate billing, failing to notify passengers of flight delays and overall poor service. According to Business Insider, “In November 2011, the airline was at the center of a PR nightmare after forcing a passenger to stand for seven hours because of an overweight man seated next to him. In the same month, the company was attacked for initially denying a ticket refund to a terminally ill cancer patient.” The company is looking to merge with American Airlines (neighbor in the ACSI rankings) passengers are not going to be happy when they find out that the merger could result in less flights for some cities and higher airfares.
#8 American Airlines
The airlines parents company AMR Corp filed for bankruptcy in November of 2011 can't seem to satisfy it's customers. In a recent study, the company ranked dead last among major airlines in keeping customers informed, leaving them on hold for an average of 1 hours and 32 minutes and failing to respond to questions on Twitter! One customer's complaint ended it simply, “I will never use them again. No wonder they filed bankruptcy.”
#7 Cox Communications (Television Service)
When you add higher fees and rates for television service, people will notice. The Atlanta-based company has been noted to nearly triple it's monthly rates within the first year of service. And according to ACSI “many Cox customers are sapping customer satisfaction.”
#6 Time Warner
Some of the biggest complaints for the actually slightly improved company from 2011 are slow Internet speeds, cable outages, horrible customer service and consistently high rates. Many customers are saying they are “stuck” with Time Warner due to no competing services in the area. One complaint said their entire business is “destroyed” solely on Time Warner's constant outages and miserable upload speeds, which this customer relied on for business.
#5 United Airlines
In March, the carrier lived up to its “worst airline in America” tag by causing widespread flight delays after its merger with Continental had a computer switchover failure. The aggravation from customers was at an all-time high, not to mention the airline's poor customer service, lost baggage, and flight cancellations. “This company has a serious problem,” said one complaint. “I will never fly United Airlines again!”
#4 Comcast (Television service)
Incredibly unpopular in regional areas, the media conglomerate Comcast seems to be angering customers more so than helping them. Complaints include early withdrawals, faulty or flawed equipment, and highly unprofessional technicians. Their public relations agenda to fix the tarnished name has been aggressively advertised but still the product and customer support is lacking. Comcast employees are called out for lying to customers while others are said to destroy and disrespect customer's homes during repair or installations.
#3 Charter Communications
Not as widely known as the other television companies on the list, the fourth-largest cable company in the country, Charter ranks worst within that sector with notably poor customer service, unreasonable and unfair billing. Common complaints continue to be that customer representatives lie or disregard fees by hiding them within bills with the hopes that customers do not notice when they pay their monthly bill.
#2 Northeast Utilities
At the end of 2011, the northeast region of the country was hit with two massive storms and in turn the company's reputation went out the window. Last October, one snow storm left hundreds of thousands of homeowners and businesses out of power and heat for up to two weeks! In a New England winter, two weeks without heating or power is a borderline death sentence! The massive outages for New England's largest utility company ultimately brought the president of Northeast's subsidiary Connecticut Light and Power to resign in November of 2011. According to the AP, now federal regulators are being contacted by several states over the company (along with other utilities) “making excess profit.”
#1 Long Island Power Authority
(Courtesy of NYTimes)
The company's score in the energy utilities sector dropped 11% in April alone while according to the ACSI rankings, dropped seven points from last year's poor ranking already. The most common complaints are hiking of rates and over-billing mistakes. It's noted that this has happened frequently as the company has listed homes as commercial instead of residential. It did not help that Hurricane Irene took a serious toll on outages performance. According to Business Insider, in January, a bill was passed requiring the utility to “undergo comprehensive and regular management and operations audits,” while also creating a new away for customers to file complaints.
Although both impacted by chance environmental problems, the top two companies on this list should have known that there was a storm coming for them.
*Are there any companies you feel should be included on this list? Tell us in your opinions in the comment box below!
Gold ETFs: "Miners Have Created a Frankensteinian Monster"
Posted by Brittany Stepniak - Monday, June 25th, 2012
It's been a long, 12-year run of noteworthy gains for gold ETFs. It's created an imbalanced investment vehicle, says Kitco economist Jon Nadler in an interview with Bloomberg.
Experts predict that the demand for gold ETFs will remain stagnant because of “dollar-quoted gold imports making it costly at the currency exchange rate of over Rs 56 a dollar.” Just eleven days ago on June 14, gold surpassed an all-time high of Rs 30,550 per 10 gms. According to The Association of Mutual Funds in India (AMFI), the AUMs of gold ETFs were almost twice as high on May 31, 2012 when compared to that same time just a year ago: from 5, 463 to 10,312.
Because of the stark price increase, no one is exceptionally excited about jumping into an investing relationship with them right now. Investment is down at least 50 percent. Investors have started making profit booking.
From Business Standard:
"Gold ETF is a price elastic product. So when prices go up sharply, investors do profit booking. The total AUMs of gold ETFs increased during May mainly because of the escalation in the gold prices. Our AUMs have remained steady in the range of Rs 30-40 crore," informed Nitin Rakesh, chief executive officer, Motilal Oswal Asset Management Company.
Analysts see limited returns from gold ETFs in the current market conditions. "In the current market scenario, it is advisable to invest 40 per cent of investment portfolio in equities, 40 per cent in other commodities and 20 per cent in gold or silver and related products. Equities may perform better than ETFs over the next few months," said Chokkalingam G, executive director and chief investment officer, Centrum Wealth Management Ltd.
This data comes as especially bad news for jewelers. Consumer demand has plummeted to a 25-year low amidst the high gold prices.
"I think the gold miners have created a Frankensteinian monster," says Nadler. "I get a lot of email from jewellers, not only from India, pleading when will be able to make a living again [sic]."
- Jon Nadler, Kitco economist
Nadler cautions investors to avoid getting too caught up in these performance details. Instead, he suggest that you “treat gold like a central bank and save it for a rainy day.”