Search
    Google
    Tip of the Day Blog
    The Web
Wednesday
Mar012006

Online File Storage

By Michael Weinstein on SoundMoneyTips
Backing up your key files — on a disc other than your main one — is a sound money practice at all times. While it can be done on a CD or external hard drive, the ideal method is to store "off-site", like most businesses do, to protect against theft, fire, water, electric or other local damage. An added advantage of this approach — access to your files from anywhere, without having to bring something with you.
Yet storing files online (on a service provider’s secure server) has not really caught on among consumers, as to date the upload/download times have been slow, and costs relatively high. But a new generation of online storage that addresses these problems is hitting the market, so it’s now worth considering this approach anew.
Michael Arrington at TechCrunch has a nice review of thirteen companies that offer online storage with some pizazz.
Monday
Feb272006

Get Human Cheat Sheet

Your Call Should Be Important to Us, but It’s Not

By WILLIAM C. TAYLOR

PAUL M. ENGLISH never imagined that a pet peeve would become such a cause c鬨bre. For more than four years, Mr. English, a veteran technologist and serial entrepreneur, has maintained a blog on which he shares everything from his favorite chocolate cake recipe to the best management advice he’s received.

But last summer, fed up with too many aggravating run-ins with awful customer service, Mr. English posted a blog entry that reverberated around the world: a "cheat sheet" that explained how to break through automated interactive voice-response systems at a handful of companies and speak to a human being. He named the companies and published their codes for reaching an operator ? codes that they did not share with the public.

The reaction was overwhelming. Visitors to the blog began contributing their own code-breaking secrets and spreading the word. The consumer affairs specialist for The Boston Globe wrote about Mr. English, who is now the chief technical officer of Kayak.com, a travel search engine he helped to found, and gave his online cheat sheet mainstream attention. That led to appearances on MSNBC, NPR and the BBC, an article in People magazine ? and more than one million visitors to the blog in January alone.

So, this month, Mr. English transformed his righteous indignation into a full-blown crusade. He started Get Human, which he calls a grass-roots movement to "change the face of customer service." The accompanying Web site, www.gethuman.com, sets out principles for the right ways for companies to interact with customers, encourages visitors to rate their experiences (the site is to issue a monthly best-and-worst list), and publishes many more secret codes unearthed by members of the movement. As of last week, the ever-expanding cheat sheet offered cut-through-the-automation tips for nearly 400 companies.

"I’m not anticomputer," Mr. English explained over lunch near his office in suburban Boston. "I’ve been a programmer for more than 20 years. I’m not anticapitalist. I’m on my fifth start-up. But I am anti-arrogance. Why do the executives who run these call centers think they can decide when I deserve to speak to a human being and when I don’t?"

The Get Human cheat sheet makes for entertaining ? and mystifying ? reading. Want to reach an operator at a certain major bank? Just press 0#0#0#0#0#0#. Want to reach an agent at a big dental insurance company? Press 00000, wait through a message, select language, 4, 0. Want to reach a human at a leading consumer electronics retailer? Press 111## and wait through three prompts asking for your home phone number.

It would be funny if it weren’t so depressing ? and such bad business. Countless chief executives pledge to improve their company’s products and services by listening to the "voice of the customer." Memo to the corner office: Answer the phone! How can companies listen to their customers if those customers have such a hard time reaching a human being when they call?

The obvious defense is that it’s prohibitively expensive to offer the personal touch to millions of curious, confused, angry (or even enthusiastic) callers. The trouble is, companies tend to be better at cutting costs than at identifying missed opportunities.

Richard Shapiro is president of the Center for Client Retention in Springfield, N.J., a business that dials out to customers who have dialed in to toll-free call centers and asks them to evaluate their experiences. He argues that customers who interact with human beings are more likely than other callers to volunteer useful information, try out a new product and come away with a strong sense of loyalty ? positive outcomes that are eliminated by excessive automation.

"You create more value through a dialogue with a live agent," Mr. Shapiro said. "A call is an opportunity to build a relationship, to encourage customers to stay with the brand. There can be a real return on this investment."

It’s a point that too many cost-conscious companies seem willing to overlook. In an era of fierce competition, when customers have more choices than ever, the toughest business challenge isn’t to keep expenses down. It’s to keep loyalty high. Anything that a company does to make its products and services a little more engaging, a little less ordinary, can pay big dividends. Anything like, say, answering the phone.

Commerce Bancorp, the service-crazed retail bank based in Cherry Hill, N.J., has generated big returns by injecting a playful spirit into a notoriously bland business. Its 375 branches, including 47 in New York City, organize street fairs and celebrations to promote an entertaining mood. The locations also feature colorful change-counting machines and upbeat employees, who every Friday are decked out in red, often to hilarious effect. The company calls its strategy "retailtainment" ? and it applies as much to its call center as it does to its branches in Chinatown or on Broadway.

"Traditional banking is low cost, low service, low growth," said Dennis M. DiFlorio, president for retail banking and operations at Commerce. "It’s like the electric company; everybody needs one and they’re all terrible. We’ve built a brand on service, convenience and fun. Our call center is not a necessary evil. It’s an integral part of the brand. Every call is an opportunity to reinforce to the customer that they made a good decision by banking with us."

Forget automation or outsourcing to India. At the Commerce call center in Mount Laurel, N.J., 630 employees abide by a strict code of neatness ? "no sweat pants, no slippers, no junk on the desks," Mr. DiFlorio cracked ? and they, too, wear red on Friday, even though customers can’t see them.

Incoming calls are routed easily and directly to agents, who are encouraged not just to inform but also to maintain the same friendly and informal spirit of the branches. "We try to create as much buzz as we can in our call center," Mr. DiFlorio said, "so we can create smiles on the customers who call."

To be sure, few companies can summon the everyday exuberance of Commerce Bank. But there is another cost-effective strategy for enhancing the human element: make the company so easy to do business with that fewer customers call with problems, which frees resources to meet the needs of those who do call.

"The reason people are dialing the 1-800 number is that they’re having a bad experience in some other channel," said Mark Hurst, founder and president of Creative Good, a consulting firm that advises companies on how to improve the customer experience. He is amazed, he said, at how difficult it remains on most Web sites for customers to do little things like revise an order or track a shipment. "If e-commerce were much, much simpler," he said, "a huge percentage of these calls would never be made."

JIM KELLY, chief customer service officer at ING Direct, the online bank with 3.5 million customers and deposits of nearly $40 billion, takes the case for simplicity a step further. ING Direct keeps its entire product line simple. It offers a small number of easy-to-understand products such as savings accounts, certificates of deposit and no-frills mortgages. The savings programs entail no annual fees or account minimums.

As a result, the average ING Direct customer calls the bank only 1.6 times a year. The calls that do come in are answered by full-time employees who don’t rely on scripted answers and don’t work under strict time limits.

"The key word for us is simplicity," Mr. Kelly said. "If you eliminate service charges and hidden fees, you eliminate most of the problems and complaints. Then the only reason for people to call is to do business. And those are calls you’re eager to take."

That sort of thinking is music to Paul English’s ears ? although most days, his ears are ringing with outrage from aspiring consumer activists eager to join Get Human. "There’s a little ‘rage against the machine’ to this, but there’s a business message as well," Mr. English said. "I want companies to wake up and ask themselves, ‘How did we ever let it get this bad?’ "

William C. Taylor is a co-founder and founding editor of Fast Company magazine. He lives in Wellesley, Mass.
Friday
Feb242006

Create Your Own Free Webpage

Google Page Creator is a free tool that lets you create web pages right in your browser and publish them to the web with one click. There’s no software to download and no web designer to hire. The pages you create are hosted on Google servers and are available at http://yourgmailusername.googlepages.com for the world to see.

* No technical knowledge required.
Build high-quality web pages without having to learn HTML or use complex software.

* What you see is what you’ll get.
Edit your pages right in your browser, seeing exactly how your finished product will look every step along the way.


General Questions

1. How do I sign up for Google Page Creator?

If you’re interested in testing out the product, please visit http://pages.google.com and sign in using your Gmail account to begin making pages.

2. What do I need in order to use Google Page Creator?

You need to have a Gmail account and be using either Internet Explorer 6.0 or Firefox 1.0, or higher, with JavaScript and cookies enabled. If you don’t have a Gmail account, you can sign up for one here.

3. What does "beta" mean?

"Beta" means that that the product is still being tested and refined. Google finds that the best way to improve a product is to get feedback directly from our users. We invite you to let us know what you think about Google Page Creator by sending us your feedback and suggestions.

4. Will the pages I create show up in search engine results?

The pages you create can be crawled by Google within a few hours of publication. Other search engines may also index your pages as they periodically crawl the internet.
Thursday
Feb232006

Always get a second opinion

Why Doctors So Often Get It Wrong

ATLANTA

ON a weekend day a few years ago, the parents of a 4-year-old boy from rural Georgia brought him to a children’s hospital here in north Atlanta. The family had already been through a lot. Their son had been sick for months, with fevers that just would not go away.

The doctors on weekend duty ordered blood tests, which showed that the boy had leukemia. There were a few things about his condition that didn’t add up, like the light brown spots on the skin, but the doctors still scheduled a strong course of chemotherapy to start on Monday afternoon. Time, after all, was their enemy.

John Bergsagel, a soft-spoken senior oncologist, remembers arriving at the hospital on Monday morning and having a pile of other cases to get through. He was also bothered by the skin spots, but he agreed that the blood test was clear enough. The boy had leukemia.

"Once you start down one of these clinical pathways," Dr. Bergsagel said, "it’s very hard to step off."

What the doctors didn’t know was that the boy had a rare form of the disease that chemotherapy does not cure. It makes the symptoms go away for a month or so, but then they return. Worst of all, each round of chemotherapy would bring a serious risk of death, since he was already so weak.

With all the tools available to modern medicine — the blood tests and M.R.I.’s and endoscopes — you might think that misdiagnosis has become a rare thing. But you would be wrong. Studies of autopsies have shown that doctors seriously misdiagnose fatal illnesses about 20 percent of the time. So millions of patients are being treated for the wrong disease.

As shocking as that is, the more astonishing fact may be that the rate has not really changed since the 1930’s. "No improvement!" was how an article in the normally exclamation-free Journal of the American Medical Association summarized the situation.

This is the richest country in the world — one where one-seventh of the economy is devoted to health care — and yet misdiagnosis is killing thousands of Americans every year.

How can this be happening? And how is it not a source of national outrage?

A BIG part of the answer is that all of the other medical progress we have made has distracted us from the misdiagnosis crisis.

Any number of diseases that were death sentences just 50 years ago — like childhood leukemia — are often manageable today, thanks to good work done by people like Dr. Bergsagel. The brightly painted pediatric clinic where he practices is a pretty inspiring place on most days, because it’s just a detour on the way toward a long, healthy life for four out of five leukemia patients who come here.

But we still could be doing a lot better. Under the current medical system, doctors, nurses, lab technicians and hospital executives are not actually paid to come up with the right diagnosis. They are paid to perform tests and to do surgery and to dispense drugs.

There is no bonus for curing someone and no penalty for failing, except when the mistakes rise to the level of malpractice. So even though doctors can have the best intentions, they have little economic incentive to spend time double-checking their instincts, and hospitals have little incentive to give them the tools to do so.

"You get what you pay for," Mark B. McClellan, who runs Medicare and Medicaid, told me. "And we ought to be paying for better quality."

There are some bits of good news here. Dr. McClellan has set up small pay-for-performance programs in Medicare, and a few insurers are also experimenting. But it isn’t nearly a big enough push. We just are not using the power of incentives to save lives. For a politician looking to make the often-bloodless debate over health care come alive, this is a huge opportunity.

Joseph Britto, a former intensive-care doctor, likes to compare medicine’s attitude toward mistakes with the airline industry’s. At the insistence of pilots, who have the ultimate incentive not to mess up, airlines have studied their errors and nearly eliminated crashes.

"Unlike pilots," Dr. Britto said, "doctors don’t go down with their planes."

Dr. Britto was working at a London hospital in 1999 when doctors diagnosed chicken pox in a little girl named Isabel Maude. Only when her organs began shutting down did her doctors realize that she had a potentially fatal flesh-eating virus. Isabel’s father, Jason, was so shaken by the experience that he quit his finance job and founded a company — named after his daughter, who is a healthy 10-year-old today — to fight misdiagnosis.

The company sells software that allows doctors to type in a patient’s symptoms and, in response, spits out a list of possible causes. It does not replace doctors, but makes sure they can consider some unobvious possibilities that they may not have seen since medical school. Dr. Britto is a top executive.

Not long after the founding of Isabel Healthcare, Dr. Bergsagel in Atlanta stumbled across an article about it and asked to be one of the beta testers. So on that Monday morning, when he couldn’t get the inconsistencies in the boy’s case out of his mind, he sat down at a computer in a little white room, behind a nurse’s station, and entered the symptoms.

Near the top of Isabel’s list was a rare form of leukemia that Dr. Bergsagel had never seen before — and that often causes brown skin spots. "It was very much a Eureka moment," he said.

There is no happy ending to the story, because this leukemia has much longer odds than more common kinds. But the boy was spared the misery of pointless chemotherapy and was instead given the only chance he had, a bone marrow transplant. He lived another year and a half.

Today, Dr. Bergsagel uses Isabel a few times a month. The company continues to give him free access. But his colleagues at Children’s Healthcare of Atlanta can’t use it. The hospital has not bought the service, which costs $80,000 a year for a typical hospital (and $750 for an individual doctor).

Clearly, misdiagnosis costs far more than that. But in the current health care system, hospitals have no way to recoup money they spend on programs like Isabel.

We patients, on the other hand, foot the bill for all those wasted procedures and pointless drugs. So we keep getting them. Does that make any sense?

E-mail: leonhardt@nytimes.com


Tuesday
Feb212006

Copying Your Screen

If you need to include a copy of your computer screen in a document, do the following:
  1. Press the PrintScreen button on your keyboard. This copies everything you see on the screen to your computer’s clipboard.
  2. In your word processing program, put your cursor where you want the copy of your computer screen to appear.
  3. Press Ctrl+V to paste the contents of the clipboard.
If you only want paste a single dialog box *such as an error you are receiving) or only the window of a single program, hold the Alt key as you press PrintScreen.
You can also paste the image of the screen in a graphics editing program (such as Paint or Photoshop) and edit the image.