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The Path To Finding Better

Tips on How to Accommodate Different Learning Style in the Classroom

When several students with the quest of getting knowledge come together they form a class. Learning happens when the student gets new ideas and then applying them later. The learning process that every child applies is unique and different from the rest of the children. The children who learn by observation use the visual style of learning. A teacher who has students using visual learning in their class need to use demonstrations like pictures, and also they play films on the screen which helps them delivery the lesson. a classroom may have students who use the auditory style of learning and these type of student like listen a lot. They can listen to spoken words, and sounds and they get destructed easily. The students who use the tactile style of learning can be taught by setting the lessons practically. A class consist of learners who learn through the three different learning styles, which makes it difficult for the teacher to teach. There are several techniques now that the teacher can use to accommodate all the learning style they have in the classroom, and some are explained in this article.

The moment a teacher is in a classroom they are the head of the classroom and should in control of the class. To accommodate every student the teacher should link what they are teaching to real life. In a science class when learning about cleanliness, the teacher can use the real-life situation whereby the people wash their hand after visiting the washrooms. At specific daily situations check it out! can be used by the teacher to present the lesson the students. For instance in a math class when teaching about time, the teacher can use the time student arrives at school to show time.

Another way more about of making that all the students participate in the learning process is by engaging the students and giving them choices as they prefer. A teacher should ensure that when grouping the student in the various groups, the groups are well balanced as per the learning styles of the students. The teacher should give every group a task to complete, and the students will engage one another in their respective groups. The question now! gives to the group should be a tuff so that everybody can be involved in the group the problem-solving process. The problem given to each group should ensure that there is an interaction between the group members. Also the teacher can give the student different homework menu to try instead of one for the whole class. The homework should be based on the child’s learning style and should be based on the lesson the teacher was teaching. An advantage of the homework is to make the student apply what they learned in class. The Homework enables the teacher to know whether the students understood what he or she was teaching.

In summary, click here for more the discussed ways of ensuring that every learner in the class participants are just a few of the ways.

– Getting Started & Next Steps

Invention to Install to Protect School Building from Shooting

The first incidence was witnessed in the University of Virginia where a student shot the professor, and this has been happening recurrently in the leaning institutions. There are products that the schools are using to protect the school from shooting to make it safer hence, it is essential to use them for security reasons.

One of the products is the school ID badges. The use school ID badges by the students help the official to track the learner thus making it easy to know the intruder, and it limits the sneaking activity as this website states.

There is the item of classroom doors that are auto -lock for safety. It is essential for a school to use the auto-lock doors; this will give the shooter hard time to move in since they have no access to the facility. The installation of the classroom doors that are auto-lock system need to be part of the construction project since it is expensive and to have this system is costly for an establishment.

There is the product of security devices on the classroom doors. You need to establish devices on the classroom entries to make it hard for intruders to get in and this will lock the door of the classroom when they are the crisis.

There is the product of classroom door shades. The shades help in deterring of the shooter, and this makes them seem as if the room has no occupant and it gives the unclear hint of what they are walking to when the shades are drawn.

There is the invention of bulletproof window installation. You need to make it hard for the shooter to get in thus the window needs to be bulletproof, and it will take longer to break to the building when the exterior doors are locked.

There is the bulletproof backpacks product. There are new products that are manufacturer are processing for security and protection such as the bulletproof desk calendars, whiteboards, binders, writing pads the school can install and learn more about it.

More so, there the product of clear backpacks. You have to know what students are carrying hence you can use the clear backpack since you can see the belonging to avoid carrying weapons as you can view here.

There is the invention of gunfire detectors. There need to install the gunfire detector that has the sensor to detect unique sound made by gunfire to alert the authority immediately for a quick response.

There is the product of panic buttons. The panic buttons help to alert the police where there is school shooting anytime it takes that the law needs to allow the schools to install them.

The invention of baseball bats, hockey pucks and rock can help in making the school building safer where there is shooting since this will be for defense and trapping zone as the page suggests.

Learning The Secrets About

How to Choose the Best Collection Agency
There are professionals dealing with the collection agency that the lenders can rely on when the money they gave out is on default and it has to be recovered. If you are operating a lending company then it is good that you partner with one of the collecting agency so that you can find the process of retrieving your money easier than you could think of. You should be aware on how you will deal with the loan defaulters because they must be there and you should make sure that you try your level best to retrieve it.

You need to come in conjunction with the fox collections and they could help you to get the money that has been lost. It is not possible for one to choose the best collection services if you have not had the chance of working with them before because this can be a big challenge to you which should not be the case. You should be aware about the time it has taken for the collection agency to deliver services to clients.

You need to be perfectly sure that you have some confidence and so the collection agency that you have selected must have been in service for a long period of time. You have to aim at choose that agency that has been in business for more than five years. The reputation of the collection agency is another crucial idea that you must have in mind.

There are those lenders who have been getting the best services from the collection agencies and so they can recommend on the best collection agency that they have encountered. When you have not experienced the services it is hard to give a word on what you could be expecting and so you better wait and it will be well for you. There are so many defaulters and so you have to ensure that the collection agency has partnered with the credit bureaus so that they can give the best outcome.

The partnerships that you have to make will give you the pleasure of getting the best services and you will not have any challenge whatsoever. You need to check on the track record of the collection agency for you to be certain about the decision you will make. Doing some follow ups to the defaulters may not be easy and it needs a lot of commitment thus you should be ready to get the best services.

Suggested Article: here are the findings

The 10 Best Resources For

Crucial Facts You Should Know about Christianity

Believers who believe in Jesus Christ are more than those who believe in Islam. Christianity has been around for many years after Jesus came to the world and afterward ascended to heaven. He was a child that was born into a Jewish family who has religious roots in Judaism.

Most people celebrate in the world remember the birth of Jesus every year. Bible scholars are of the view that the Romans picked this date to coincide with their festivals in December and it is not the actual time for Christs birth.

Christ came into the world as God incarnate. Christ left heaven and came to this sin-filled earth to accomplish one purpose. It was the desire of our creator to establish an improved relationship with human beings through remission of sin. Sacrificing animals was a practice that was done many times many years to atone for the sins of man. God desired to cleanse away the sins of mankind. His compassion led him to give his only son to die on the cross. People must first confess his sinful state. You must also learn that no human effort can make mankind righteous before God. Christians become sons of the highest God when they are forgiven sins through the blood of Christ.

Christians dont have to pass through an intermediary to fellowship with their father in heaven as Christ through the Holy Spirit enables them talk to God directly. Hardships are seen as an essential component in a believer as it assists them to improve their values. Believers in Christian faith are also exhorted to love one another and to forgive each other freely.

Sunday is the main day that believers attend church. Christians must purpose never to miss church services on Sundays. It is a refueling center where Christians go every week to receive spiritual nourishment and exhortations which help them to live healthily. People have come up with assemblies that have different doctrines that guide their teaching.

Jesus appointed twelve disciples who followed him everywhere he went. Judas was a corrupt disciple of Jesus. This led him to satisfy his insatiable selfish desire for money by selling his master for a few coins. During those days, Jews were under the colonial rule of Romans who administered the most shameful and painful punishment to offenders.

Those who confessed their faith in Christ were inhumanely tortured. Despite these persecutions, the church grew, and they believed God even more. Just like early days of Christianity believers are even now going through persecution in several parts of the globe on account of their faith. It is sad to learn that China has had one of the worst treatment for Christians though more people are becoming Christians. Christians in China are many that all the believers found in European nations.

A Simple Plan:

Benefits of Hiring Collection Service

Big or small business can always come across those issues like for instance the debt collection, even though what kind of business you had owned. That is why you need to put in those best efforts if possible in order to get those issues be resolved. Make sure you are going to hire for the collection agency so that you can be able to prevent all of those debt related problems along the way.

The debt collection can be considered as a difficult process for one to execute, but once this will be done in the correct way, then this can help your business to grow significantly and to prevent from any kinds of bankruptcy. Collection of the overdue amount can be performed in the two basic ways. The first one is by making an in-house resources. This can be considered as an affordable and a very lucrative option for you but at the same time a very time consuming one. The second one is the hiring of the collection agency so that there is someone who can take care of the process and can take away all of the anxiety and the stress. This will be considered as the very effective solution so that you can track those delinquent customers and then you can be able to convince them so that they can pay back the money that they had borrowed from you.

Here are some of the important benefits of choosing the right collection agency for your debts.

It can help in the techniques and the expertise too. Those hired expert are actually dedicated enough to carry those tasks and they can help especially on being focused on the business. They will also make it sure that the productivity of the business will not be compromised. Moreover, the technique they uses can help especially in increasing the possibility of getting the money back to you and to help in recovering from the bad debts.

Secondly, it can also improve the cash flow. They can be a good collection agency id ever they can get the owed money back from your clients. It can also help in keeping track of the expenses and get the upper hand over your customers.

Last but not the least, they can also help especially in the productivity of the business. It is best that you think on expanding your business instead of being busy wasting time through collecting the payment from those debtors. Instead, you have to make sure that you are going to hire for the expert one so that they can carry the overall process in the collection in organized way and you can focus on the productivity of the business.

News For This Month:

Tips on How to Get the Best Deal on Cash for Cars

It is the best idea to look for a company that can give you cash for damaged cars if there is one in your store. Saving of the area that the car occupies in the garage is the main reason as to why people look for people to sell junk cars for cash. It is not easy to get companies that can buy non running car or sell non running car. Most people are faced by one question that is hard to answer that is, how can I sell my car. There was a time that I looked for someone who can buy my car for cash when I wanted to sell my car for cash, but it was not an easy task. When one wants to sell his or her car; the best place is to search on the internet on how to sell my car fast for cash. I was satisfied with the outcome of cash for cars near me from the internet. Knowing the person who can buy your car for cash is crucial step that one need to have when he or she wants to sell car for cash. Also, selling crashed car is not a task that many people can do with ease. However, you can get cash for junk cars that is left lying in the garage. Tips on how to get cash for cars when we buy wrecked cars are below.

One of the best thing that one can do when he or she is selling a junk car is to look for the buyer who buys non running cars in the neighborhood. Choosing someone to buy your junk car in your neighbourhood is crucial since you may know the person. The best thing about knowing the person who is to buy your car for cash is that you can have all the information that you need to have when you want to sell your damaged car and a rise in value.

Another thing that you should consider when choosing a buyer for your car is call hotline. One need to get a free toll number from the best cash for car buyer to get a hold on them. Also, a company that has a toll hotline means that they are recognized widely.

You need to have every aspect of your car at the back of your head before you decide to sell it to the dealer. The best way that you can get knowledge about your car is looking on the internet. Knowing the amount of money that you can get on selling your car, and the amount you can use on repair of the car is the most essential thing that you need to know about your car.

New Financial Services in US Healthcare

SSON speaks to Susir Kumar (MD & CEO, Intelenet) and Suresh Ramani (President – North America Sales & Operations, Intelenet) about outsourcing trends for the next year, acquisition of captive centers by BPO and how changes in the U.S. healthcare represent opportunities for Intelenet.

SSON: Let’s start with a look at BPO generally. We’re just seeing the back end of a global recession – how has this affected Intelenet over the past few months?

Susir Kumar: OK. A BPO is basically the back end of a company’s operations, so we handle their customers’ transactions. Through the recession period we have seen, for example, banks issuing a lesser number of credit cards; banks giving fewer mortgages; the new accounts that are being opened up have reduced. We are the back-end supporter of these clients of ours: the volumes coming in from these clients of ours have actually gone down, so if we were issuing 60,000 cards a month for a particular client it perhaps went down to as little as about 5,000. We became extremely concerned about issuing any further loans [while] people were just not willing to spend money or buy things, and all of that had a significant impact on the number of transactions and the number of calls coming in.

What we first saw in this initial phase of this whole recession was volume reduction, and a whole lot of companies being extremely concerned about whether they would survive through this phase of recession or not. So everyone started strategizing around how to survive. We had a set of companies which thought by taking certain actions they would survive, and then we had a set of companies which were pretty concerned about their survival. So in some companies we actually saw some drastic measures being taken, and now people were not expecting the traditional outsourcing deals. They were asking us “Tell us how you can accelerate the cost savings process? I know you can give us 50% reduction of costs after 18 months: is there a way that you can give us 30% right now?” So it was a completely new expectation that came in, and I think after the first six months of recession we saw a lot of companies coming out with the question, [so] we had to change our value proposition or our offers to clients and prospects… Then we started observing, over the next six months to about nine months, that these companies were making faster decisions: in the past it would take anything between six to 18 months to take a decision on outsourcing or offshoring, but during this phase we were seeing companies taking decisions as quick as maybe two or three months.

We noticed that clients who had outsourced just about 15% or 20%, were all talking to us about how they could increase the outsourcing/offshoring percentage, and get their costs down; so we also went after every company that had outsourced just a small component, and we told them that “yes, in this case you are saving $5 million a year, or $10 million a year; here is another opportunity where you can accelerate and increase the scope of offshoring and outsourcing, and you could save potentially double or triple the amount that you are currently saving.” The third thing that we saw was, [before the recession] people would not make an offshoring or outsourcing decision if the saving was, say, less than 40%. In the new environment we saw that even if we gave a value proposition of savings of 15%, people would make a decision. Three years back we would never go to a company if the value proposition was just a 15% saving.

I think right now we are in this phase – where from the bottom our clients have actually been growing about 5 to 10%, so we have already seen more cards being issued, more mortgages being given, more people traveling; in the travel segment that we handle, we are seeing a lot of demand coming up. And in the last six months most of the companies that have downsized their own labor force, are all believing that there is going to be some growth in the next six to 12 months. Albeit, these companies are not convinced that this growth is going to be sustainable; people are generally believe that 2012, is where they will see a growth equal to what they saw in 2007-2008. So the value proposition that we are offering to our clients is: ‘you guys have come out with a plan for next year that talks about 10% growth versus the bottom; rather than you building your own capacity and people why don’t you look at working with us, because you can turn on the tap or turn off the tap with us, whereas it’s more difficult for you guys to do it in your environment where it’s expensive and more regulated.’

SSON: Looking forward then, Susir, what now do you see as the biggest challenges facing outsourcing providers? And how are you positioning Intelenet to overcome these?

SK: Just to give you a summary: over the last, say, 18 months to 20 months, we’ve actually seen a reduction or a contraction of our existing business of around 10% to 15%. But there is new demand which is offsetting this shrinkage, and net-net we are still seeing a 10% growth. The good news is that people are making faster decisions and looking at outsourcing more. Because of these multiple reasons and the fact that we are giving them capacity as a value rather than just cost, there has been a growth in our existing-to-new business, to the extent of almost 25%, which after offsetting the 10%-15% shrinkage still accounts for 10% net growth. So that’s the bottom line of the whole thing.

People are also negotiating more. And people have actually tested the market in the last 18 to 24 months and trying to squeeze a little more out of service providers like us. When they came in through this phase of recession and asked us for a 5% or 10% discount, we gave it to them because these are long-term relationships, and we have to reciprocate in some form in their time of difficulty. Now this is becoming a new norm for pricing.

We have also learned in the last 18 months or 24 months to run the operations more efficiently. So what we have been telling the clients in the last 18 months is, “ok, you guys want a 10% discount, we’ll give you a 10% discount. But don’t dictate to me in terms of where the operations should be run from, what should be the span of control, what should be the kind of technology – you tell me what is the end result you want, in terms of efficiencies, in terms of turnaround times, in terms of accuracy, and let me decide how and from where to run the operations, and I’ll give you the 10% discount.” So what has happened in the last 18-24 months is we have been given the freedom to decide how to run and from where to run the operation.

Net-net, though we have reduced the price, we have been able to get the same margin as what we were getting in the past..

Another big challenge is that people are asking for more and more financially structured deals, rather than the regular outsourcing which is a per-FT price or a per-transaction price; it’s becoming a little more complex. They are asking us to fund the redundancy, they are asking us to fund the set-up costs; there are a few clients that are asking us to take an outcome-based pricing, and we’re taking more and more of that. I think from a risk perspective, we are now required to factor in if at all we have funded the redundancy – and if the contract is say over a period of 5 years, if it actually gets terminated before that, then we will not have to cover the entire funding of redundancy that we have done.

Companies are also coming and telling us, “guys, just take our operation lock stock and barrel, and you guys decide the onshore/offshore mix, etc: this is what we want as outcomes.” And what that means to us is investment; taking over the risk of pensions of these employees and costs associated with just aligning that new business that we buy out with our business, and so on and so forth. In the last six months we have done about five acquisitions of just the back-end operations of a company. And that always has the challenge of integration – and the risks.

SSON: That’s an interesting point: at the moment we’re seeing a lot of BPOs buying into shared services captives, for example Cognizant and UBS: is that something on your agenda for 2010?

SK: Yes they are, and actually, one of the advantages we have is we’re not a listed company, and being a part of Blackstone, we do have access to capital. When you acquire a back office of an existing company, what you need is capital, and an ability to take the impact on your P&Ls for the first six months or a year of buying out the company.

For example, if I were to buy the back office of an existing company, the company would expect a reduction of costs of, say, 20%. In the moment that you buy it and you start billing 20% less the next day, you’re actually incurring a loss in your books, because the cost structure and the way the operations are designed needs you to spend, for example, 100 and you’re only actually billing the client about 90. There’s a hole in your P&L. Only after about six months to one year you will start reducing your costs, you will start building efficiencies in the processes and so on and so forth, and you will be able to bring down your costs from 100 to, say, 80 or so – and because the client is paying 90, you start making a profit of 10. What this means to us is it will impact on our P&L accounts for a period of one year. But because we are not listed it really doesn’t matter to us; and the good thing is, normally when you do a transaction like this we ask them for a lock-in – to provide us a commitment of business for a period of time. And as I told you we did about five transactions in the last six months: all of those five transactions have come with a revenue commitment for a period of time. You will see us do more and more of these kinds of deals both onshore as well as offshore.

SSON: Who have you done transactions with over the last five months?

SK: We have done one transaction with one of the large banks, we are about to finish off a transaction in the UK. We bought two captives from travel companies, we bought one captive from a very large bank, we about to buy one very large captive from a transport company in the UK and we have also bought another company in the retail space, reasonably big: about 200-300 seats.

SSON: Moving on, Susir – let’s take a look at healthcare? We are running this a US healthcare series with Intelenet, can you give us some insight into the work you are doing directly in this space?

SK: There are two things. Firstly, Blackstone has about ten companies in the healthcare space in the US, either on the provider side and the payer side. Secondly, we are looking towards the regulatory changes that are taking place in the US: The new regulations will mean if a person in the US goes and applies for insurance, that person has to be given an insurance policy. Today they may just go and tell a customer that they will not give insurance coverage at all. The Obama administration is opening up insurance in that, earlier, insurance companies could only provide insurance for people in a particular jurisdiction – which could be a particular state, for example the state of Arizona. Now they have allowed these insurance players to give insurance policies across the United States.

So taking Arizona again for example – say there were four large insurance companies giving health insurance; all of a sudden now there are companies from New York that are issuing polices in Arizona, there are companies in Texas issuing policies in Arizona. The number of companies actually providing insurance cover has gone up by virtue of this new regulation. So in suammary, they cannot deny people coverage and the competition has actually gone up. By virtue of this we believe that both the insurance payers and insurance providers will have an implication on their cost and profitability.

A new code is also being prescribed. If you look at any medical diagnosis or procedure in the US or across the globe, it needs to be codified. For example if someone is diagnosed with four ailments, each of those needs to be coded; or if some surgery has been performed on a particular person then this again needs to be coded. This coding helps to keep medical records, and also helps to pay the insurance company and the hospitals – so insurance companies use this code to work out how much to pay for hospitals based on whatever ailments they have. Now this code is undergoing a change from what is called an ICD9 to an ICD10 which increases and changes the way things are codified.

So what does all of this mean to companies? Firstly, they will need to retrain their people in coding, they need to change the systems that they use for coding and, because the number of codes has gone up, they need to get more people into coding. The government will monitor payers and providers to make sure the coding is done properly. All of this will cause a huge impact on the healthcare companies in terms of costs and profitability so our value proposition at this point in time is that we can come in and help with codification. You don’t need to train people at your end, because we can either get these people onshore in the US or we can help you with an offshore solution. When you provide an offshore solution, the cost comes down – or it helps with the new issue we have in terms of competition and the universal access. As we have access to the ten companies in the Blackstone portfolio, we are already doing work for a few of them, we can just leverage this expertise and get across the whole market. So the reason we are focusing on the US is, one, to take advantage of the new situation, and two, to leverage the expertise we are already building by virtue of doing work for a few of these Blackstone portfolio companies, both on the payer and the provider side.

Suresh Ramani: I think if you were to draw a context of where US healthcare has been traditionally and where it is moving, I think there is cause for worry. If you look at the spend in 2008, they spent about $2.4 trillion on healthcare – which is about 17% of GDP – and of that $2.4 trillion, 80% of that went to 20% of the population of the US of the insured. That number today is going to double, within the next eight years the spend on healthcare will be about $4.5 trillion. So you can see the exponential growth and with all the reforms which Susir has talked about, such as universal access and going outside the state to insure, the risk appetite of all the providers is going to go up.

The other big piece is the unfunded mandates which are the conversions of ICD9 to ICD10 which as a program, I think, whether other countries have adopted, the US has to adopt, and that will be a regulation which has to come into effect by 2012. So, these are again costs that the providers and payers need to absorb.

Another big component to this is in terms of the reimbursements which will come down, because the Obama administration wants about $400 billion out of the spend to pay off the deficit. So if all this is going to happen, the payers have to focus on their operating costs if at all they are to survive – or there will have to be a story of consolidation or elimination out of the 1,800 payers in the American market.

There is also the issue of regulatory compliance. With all these changes, it is difficult to keep processes up to date; as a result healthcare insurance carriers are not meeting obligations to the state, to the federal government – and they are paying huge penalties. So Intelenet can step in here and fix these problems. The most important piece to that is not only do we consult but we actually implement process improvements. The other piece to this is that we get solutions which are both BPO and technology related so there is process optimization that we focus on and an enabler to that is outsourcing or offshoring. So clearly three things: regulatory compliance, driving down operational costs and improving quality, I think are our three pillars, if you will, of our service delivery.

SSON: Susir, you talked about the services that are being outsourced: processes and compliance etc, and you mentioned coding. What other services do you expect the healthcare industry in the US to outsource to you?

SK: There are two sets of people in this space: providers – basically hospitals and payers who are the insurance companies. On the providers’ side, there are also companies which provide medical equipment – so again another huge market. For example, the services we provide for hospitals are coding, billing services, contact center support, claiming monies from insurance companies – if somebody goes through a procedure then we need to ensure that the doctor writes it on a form and the form is scanned and it comes to us – we need the machine, we need to do the right coding, we need to send it to the insurance company to check that it is covered. If it is not covered by the insurance and it’s a deductible amount, we need to go after the insured. Then we need to raise a bill and say the payers challenge what we have invoiced, we negotiate and close those issues. Then there are complaints, and complaints management. On the payers side we receive invoices, we pay invoices, and we reconcile accounts.

SSON: Are you providing these services from onshore or are you providing from locations in India?

SK: There are clients who are asking us to do some piece of work onshore in our location, or in near-shore locations, or offshore. So, we are working with all of the models. We are offering clients both India and the Philippines. The Philippines has a lot of nurses who are either looking at going to the U.S. or who have returned back from the U.S. So that is a big pool that we are tapping into to say that “if you work with us in the healthcare space, it may be an added experience for you guys when you seek a job in the U.S”. Or for people who have come back from the US, when they already know the nuances and systems there, they can be readily employed in an environment such as the Philippines. We also have a site in Poland, again a good site from where we provide services in healthcare.

SSON: You are obviously looking very closely at the US healthcare space; do you foresee Intelenet possibly expanding into other countries?

SK: We have had a client from the UK for the past 8 years. But as there is a huge demand now from the US, we are all focused on the US. [But] we will be going beyond the US to other geographies. India itself is a huge market. The amount of people who are getting covered under insurance in India is huge; everybody now wants cover and there are a lot of healthcare companies, both on the provider and payer sides, coming into India. This is a completely new market for us.

SSON: So why do you think new customers – within the US or India further down the line – should sign with you as opposed to any of your competitors?

SK: I did mention to you that we have about ten companies in the Blackstone portfolio, all of whom we’re working with pretty closely – and the work that they give us covers almost the entire range of work that healthcare insurance companies look at outsourcing. Now these companies have not been used to offshoring and outsourcing as much as the financial services sector, and one big thing they will look for is, “are you guys really doing this, why I am looking at outsourcing?” And we are able to demonstrate an actual live case of the work they’re expecting to outsource. Also what we have done is significantly enhanced our management of healthcare, so we have of late recruited about half a dozen people who are some of the best-known people in the healthcare industry in the US; these are the guys who actually build applications for healthcare companies. We’re also leveraging, through the Blackstone portfolio, networking with people who are actually working in the companies, to see how they can work along with us, to build solutions for some of the companies in the U.S. We have a program where we can actually import people who are working with healthcare companies as part of the Intelenet team.

SSON: What other sectors do you think will provide you with the greatest scope for expansion over the next few years?

Suresh Ramani: I think there are some key areas that are going to grow in the US market. One is utilities and the second is government spends, but healthcare makes the biggest growth pie. Clearly speaking for us as an organization the US contributes about one third of our revenues. We’re equally distributed in the Indian market as well as the UK market. On an overall basis we see the banking industry again moving, not at an aggressive pace, but at a reasonable pace over the next 18-24 months; we can see some good traction in the marketplace. And we are very strong in the banking and financial services space. We have today close to about 8,000 people working in this market, and doing all the types of processing that you can think of doing for a bank. In short, if we had the money, we would be a bank ourselves!

Another area of growth for us is travel and hospitality. Susir started off pointing out that people are not travelling so much, but it’s a matter of time: when the economy starts looking up, there will be demand for travel as well as hotels. So that’s an area where we already have invested, both onshore and offshore and we have close to about 3,000 people in that space, so that’s again a focus area for us.

Telecoms is a focus for us especially in the Indian market; that’s a sunrise industry, with every month about 1 million customers being added in the Indian market space. Telecoms account for close to about 10% of our revenues today. And of course we are getting into new markets: Australia, we have a presence there, and we also do work for utility companies from Australia. The Middle East is again a good opportunity that we see for banking. And Europe of course with Poland coming in. We also have a center in Mauritius which caters for French opportunities. And all this will give us an identity of being a global player located in these markets who also can do work for these markets from low-cost destinations. So clearly we are moving away from a brand identity of an Indian-based BPO provider to a global BPO provider.

SSON: And is acquiring businesses in those locations a key priority for you?

Suresh Ramani: Absolutely. Like, in the US we already have two centers up and running with close to a thousand people; we have a partner signed in Australia. Susir talked about having a site in the UK now. So big markets, yes, certainly I think that’s a growth engine for us. We want to be present with a reasonable population in each of these countries.

SSON: Where would you like to see Intelenet in five years’ time?

SK: What we’re really trying to be is a one-stop shop for all the things associated with outsourcing and offshoring. There are companies who want multilingual solutions; there are companies who want multi-geography solutions; there are companies who want consultancy solutions; there are companies who want technology solutions; there are companies who want actual business process solutions, which might be either in terms of costs or in terms of efficiency; there are companies who want analytics. So everything which is a pain around the business process side, is what we want to really provide. That’s our focus; in the next five years that’s what we want to be: a company that can design, a company that can put in the relevant technology for implementing the design, and a company that can execute the business process. So we are looking at a one-stop shop for all the things associated with the business process.

SSON: Comparing yourself with other Indian BPOs such as Wipro or Tata – there’s plenty that have emerged out of India – how would you put yourself at the forefront, as an organization?

SK: If you look at Wipro and TCS – all the IT companies, all the large Indian IT companies, they are predominantly focused on IT and BPO is a sub-segment of it. If you look at the percentage of revenue that comes from BPO versus IT, BPO is a very small component. Compared with the IT companies, we are a focused BPO company – and I think that people who are seeking a large impact, like telecom companies or retail companies or banking companies, who have a lot of dependency on good operations to get in new business in new markets, they in the long term would rather work with a focused BPO company than an IT company that has got a subset of BPO, number one.

What we do is basically bolt on technologies which can build efficiencies into the processes that are outsourced or offshored – so we have scanning solutions, workflow solutions, ERM solutions, etc. Whereas the approach that an IT company takes is to build a solution. So that’s a difference between the two of us. There are instances where we lose deals to some of these IT companies; there are instances where we win deals against them. It depends how the buyer is looking at it: if they want more IT and less BPO they’ll go to companies like TCS or Wipro. If they’re looking at specialized BPO services, they come to us.

There’s also going to be competition from the Accentures and the IBMs of this world; but I think there are also issues with them in terms of cost, in terms of flexibility, in terms of speed, and that they’ve become too big, and we think very clearly we have an advantageous position against these guys because of the size and nimbleness and speed and the flexibility with which we can clear transactions. That’s where we have seen we have been able to win deals against these guys.

SSON: And do you consider yourselves competitive on price?

Suresh Ramani: Absolutely. We are best in class.

SSON: Of course you’re going to say that! Finally, I’d like to ask you: what is your definition of the perfect outsourcing relationship? And the perfect client?

SK: I think in terms of the services that we provide, everybody provides more or less a similar service. In the long term what really matters is the element of trust. And my definition of a true relationship between the company that is outsourcing and the company that is providing a service is that you can really live like a partner. So for example if you see the recession that we’ve had in the last 24 months, people have come and asked us for things which aren’t written in the contract. They’ve said, “we’ve actually given you a commitment of a minimum, a minimum commitment of so much: I can’t live up to the minimum for the following reasons.” Have we gone and sued them? Or have we really recognized that there has been a difficulty? I have not gone by the pure letter of the contract, but really responded like a true partner, and helped people through difficult times. And they have responded back, most of the companies to whom I gave discounts and to whom I let off a lot of conditions in the contract, have in the last three to six months come back and said “look, Susir, we’re looking at something new, and we really want to work with you; we don’t want to call for an RFP, we just want to stick with you guys because we trust you.”


Creating Printed Materials For Healthcare Marketing Professionals

Many times, marketing or advertising agencies have a broad range of clients. As a result, the marketing professionals that work for the company need to know how to extend their knowledge to accurately represent all types of brands and organizations. Because different marketing methods are employed depending on the type of client, it can sometimes be hard for a non-specialized marketing agency to accurately market and gain business for every organization or company they represent. For instance, one would go about marketing a non-profit differently than a restaurant, and also differently from a healthcare facility.

The healthcare field is one such field that needs to be marketed differently. For those looking to get the word out or re-brand their healthcare organization, it’s a good idea to turn to healthcare marketing professionals with vast experience in the field. With an organization that focuses specifically on healthcare marketing, clients can expect great results that successfully advertise their name to the public and ultimately increase their facility’s ROI.

Let Marketing Professionals Handle It

The hallmark of many healthcare facilities is printed materials including newsletters, magazines and collateral marketing materials. It can take a lot of time, money, and effort to create beautiful, error-free publications that are easy to read, appeal to a target audience, and are well designed. Those in the healthcare field, even in an administrative or managerial role, often don’t have the time, marketing know-how, or technical printing background to effectively market and brand an organization.

With an agency that specializes in healthcare marketing, clients can rest assured knowing that their healthcare facility will be advertised to the right people, the right way. Healthcare marketing professionals can help create and distribute content relevant to each specific healthcare field. Whether it is in the form of newsletters, in-house magazines, or physician publications, the content created by these marketing professionals will improve your relationship with your target audience.

Printing for Healthcare Marketing Clients

Healthcare marketing professionals may focus on healthcare, but the basis of their education is in effective marketing. Marketing agencies are made up of experienced writers who can promote healthcare organizations and successfully communicate their benefits and features to clients, doctors, and potential customers. Graphic and web designers can create beautiful, eye-catching newsletters, magazines, and web pages to go with the compelling text. And healthcare advertising professionals know how to properly prepare a document for print, and where to go for the most cost-effective yet professional print job.

Newsletters sent to clients or patients are a great way to let them know about upcoming specials, new services, a change of hours, or any other business news. In-house magazines can spread the word within the company about individual professional achievements, upcoming events, and more. Publications specifically for physicians can highlight new, innovative medical technology and methods, and employee publications can keep workers in the know, promoting company unity.

Hire healthcare marketing professionals to accurately portray your healthcare organization to the public. These professionals are able to create expertly printed materials with a polished voice that effectively communicates news to current and potential clients, other doctors, and competitors in the field.


The Perfect Storm in the Looming Healthcare Human Capital Crisis

Just as our country has endured an unprecedented economic crisis in the past 24 months, the United States will soon be in an unprecedented healthcare HUMAN CAPITAL crisis that will catch many off guard, just as the economic crisis of 2008 did for so many. There are several factors for this with Healthcare reform setting the stage for the “perfect storm” as the first of the “baby boomers” turns 65 in 2011. Just as government run Fannie and Freddie Mac helped fuel the economic crisis of 2008 – the current environment is ripe for a healthcare human capital crisis. It is no question that reform in healthcare is needed. What type of reform is the ultimate question. In their book, Redefining Health Care, the authors point out the following; “Health care is on a collision course with patient needs and economic reality. In today’s dysfunctional health care competition, players strive not to create value for patients but to capture more revenue, shift costs, and restrict services. To reform health care, we must reform the nature of competition itself.”

The Institute of Medicine in their 2008 report Retooling for an Aging America clearly leads the way when it comes to understanding the significant impact of the aging population which has not been seen before in our history. Here are the facts from the IOM report 2008.

1. Between now and 2030 the number of adults aged 65 or over will double. This dramatic shift will place unseen and accelerating demands on the US healthcare system. The sheer number of older patients will overwhelm the number of physicians and other healthcare professionals unless something is done.
2. Beginning in 2011 – the 1st wave of the baby boom generation will begin to turn 65 – the 78 million baby boomers will tip the population scale growing from 12 to 20% by 2030.
3. Older Americans will consume much more healthcare and this is not built into the $900 billion Healthcare reform estimate. The current 12% of older Americans currently accounts for 26% of all physician visits – by growing to 20% – older Americans will account for more than 50% of healthcare utilization just as these reforms start to take affect.

The recommendations laid out by the IOM report are essential in healthcare reform – but have not been addressed in the current healthcare model. Other demographic factors are at play, such as, the aging healthcare workforce. Leaders in healthcare human capital retention understand that we are in the “eye of the storm” with a false sense of security with the impending wave of baby boomers, the backlog of new grads, and the eventual retirement of veteran nurses. This is especially true in the competition for quality licensed healthcare professionals who drive the revenue and deliver the highest quality in patient care. The reality is that the demand for healthcare is going up and the supply of available licensed professionals is going down. This demand cycle will be good for professionals who will see significant growth in salaries and perks, but it will be a challenge for healthcare organizations wanting to attract and retain their people with the aging population and workforce – added with the new demands of Healthcare reform.

The “true cost” of the current healthcare reform can not be calculated – needless to say it will be a number that makes the Wall Street bailout seem insignificant. Healthcare reform is certainly needed – we are on a “collision course” with both the demographic and economic reality. The type and degree of reform needs to have all healthcare leaders involved in the debate as reform is being constructed like a makeshift life boat as the storm clouds appear on the horizon.


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