Walmart Taking Away Insurance For 30,000 Workers


The nation’s largest retailer and private employer has announced that it will discontinue offering health insurance to many part-time employees who work fewer than 30 hours a week, along with increasing the premiums by up to 20% for many workers who continue to receive benefits.

According to the Wall Street Journal, the total number of Walmart workers that will be left without company-sponsored coverage is around 30,000 employees, representing about 2% of Walmart’s U.S. workforce.


The retailer stopped offering health insurance benefits to new part-time workers who worked fewer than 30 hours per week in 2012. The employees involved in this announcement were grandfathered in and continued to receive benefits.


Full-time store associates will keep on receiving insurance benefits through Walmart, but will pay more starting in 2015. The premium for the lowest cost plan that covers just the employee will increase by $3.50 per pay period to $21.90.


Walmart maintains that even after the premium hike, the cost to the worker is still half the average premium paid by employees at other retailers.


“Like every company, Walmart continues to face rising health care costs,” writes Sally Welborn, the company’s senior vice president of global benefits. “This year, the expenses were significant and led us to make some tough decisions as we begin our annual enrollment.”




by Chris Morran via Consumerist

Why Paying Your College Tuition With A Credit Card Is A Bad Idea


A few weeks ago, we listed for you a wide variety of creative and mundane ways to pay for college. What we didn’t get into were ways to get money from your bank account to the school’s hands. While you might put every other expense on a credit card and pay it off every month, there are reasons why it can be a terrible idea to put your tuition on a credit card.

Sometimes you’re stuck and have to pay the bill but don’t have the cash for it right now: that happens, and sometimes it’s just what you have to do. However, many schools charge an additional fee for the privilege of using a credit card to send them money, and if you pay tuition with a credit card every time, that will add up.


CNN Money calculates that a school’s “convenience fees” could add up to $4,000 over the course of four years at a private college.


“Wait a minute,” you might be saying. “I thought that merchants couldn’t charge any fees to use a credit card.” That’s not quite true. Credit card issuers do allow merchants to add surcharges for paying with plastic, except in states where that’s explicitly banned by law.


Convenience fees are even different from that, though. They’re fees that “merchants” that wouldn’t normally accept credit cards are allowed to charge if they’re providing the service for the convenience of payers. Utilities sometimes do this since credit card payments come from an outside service. The convenience fee covers, at minimum, the fees that credit card processors charge your school.


Even if your school doesn’t charge a convenience fee, there’s that “compounded interest” thing that might make putting thousands of dollars on cards a bad idea.


Paying for college with plastic costs more than you think [CNN Money]




by Laura Northrup via Consumerist

Why Are Fast Food Drive-Thru Lanes Getting Slower?


Whether you call them fast food joints or “quick service restaurants,” the underlying concept is the same: speed. So why, in an age when everything else is getting faster, are drive-thru wait times getting longer?

This is according to QSR Magazine’s annual Drive-Thru Performance Study, which looks at speed, accuracy and other metrics from 2,188 different visits to 1,606 different fast food outlets representing 23 fast food brands.


According to the latest data, the average overall wait time is around 220 second (3 minutes, 40 seconds). Burger chains (204 seconds) were the least slow, followed by chicken chains (216 seconds), with sandwich shops bringing up the rear, coming in just a hair shy of 4 minutes.


Sandwich shops — which include Subway, Arby’s Jimmy John’s, and others — also tended to have the most cars waiting, at an average of 2.2, while chicken chains had only 1.01 vehicles sitting on line at a time.


The disparity between the types of menus makes some sense, in that burger joints likely have fewer customers asking for special orders and a roster of popular menu items that can be made quickly and easily. Chicken chains like KFC and Popeyes often have the food already made; it just needs to be packaged up per the customer’s request. But sandwich shops are the most likely place to have customers making special requests, dragging down service times.


But why are times in general so slow — and getting slower?


It may be a matter of more limited time offers and premium items being added to menus. These products often take longer to make. Additionally, having so many items on a menu makes it harder for a kitchen to streamline production.


Taco Bell’s Chief Operating Officer says the array of new menu items is altering the way the industry looks at service.


“It’s not really that we’re changing the service; it’s how we accustom our mindsets to say that not everything is going to be a Doritos Locos Taco that you deliver in the restaurant,” he explains to QSR Magazine. “There are going to be more complex products coming in, and we just have to change our training methods, our engagement plans in the restaurant, and how we approach them so that we can execute and still be relatively at a good speed that customers are going to be comfortable with.”


So when’s the best time of day to hit the drive-thru?


One good time might be in the morning, when the industry average drops below 3 minutes (175 seconds), even though there are an average of 1.94 cars in line at a time. This is probably because most breakfast menus are made up of a smaller number of items with a handful of very popular items dominating the orders.


But the fastest time to race through the drive-thru is actually between lunch and dinner. This “Snack” daypart averages a little more than a second faster than breakfast and had virtually the same number of cars in line (1.98).


“The piece that surprised me more than anything was the mid-afternoon snack,” says QSR Magazine’s Brian Baker. “It’s equally busy to the other dayparts and they’re just killing it on time. You would expect for lunch and breakfast, you would have your No. 1 best employees in place, shoes shined, ready to roll, and in the middle of the afternoon you relax and catch your breath. But I look at this and say, it’s just as busy in the middle of the day as it is for dinner or lunch or breakfast, and they are even faster.”


Our guess is that this speed is due to relatively light in-store business, meaning the kitchen isn’t trying to do double-duty with a busy drive-thru line and customers waiting for food at the counter.


One thing that was really interesting about the study was the apparent inefficacy of presell menu boards — the smaller displays that you see before you get to the big board where you place your order. These are intended to help the customer make up his/her mind before getting to the ordering point, but they don’t seem to be having much effect on service times.


In fact, service times at restaurants with presell boards were often slower than at those without. At burger chains with these presell menus, the average time was 197 seconds, compared to 189 seconds without them.


The difference was even more pronounced at chicken chains, where the average wait time for a restaurant with a presell board was 238 seconds, nearly 45 seconds longer than at those without the advance menu listings.


The only place where presells seemed to make a difference was at sandwich shops, where the 220 second average for stores with presell boards beat out those without presells by 26 seconds.




by Chris Morran via Consumerist

Studies: Talking To Your Car While Driving Could Be A Dangerous Distraction


We know that looking at or futzing around on your phone while driving can cause distracted motorists to get into dangerous situations on the road, but what if you’re hands-free and simply talking to your car or your voice-activated smartphone while it talks back? That helpfulness may in fact be dangerous, say recent studies.

Two recent studies say onboard systems that talk with their drivers and services like the iPhone’s Siri could cause trouble behind the wheel, because while they’re designed to help you easily send a text or call someone without tapping on a phone, they’re so squirrelly to use sometimes that it only distracts people more.


For example, yelling at Siri to FIND THE NEAREST BEER WAREHOUSE and having her repeat CLIMB THE DEAREST STEER HAIRHOUSE is frustrating (And it doesn’t even make sense), and when we try harder to interact with these systems, we have to concentrate more on that and lose focus on the road, reports the Associated Press, citing studies released this week by the the AAA Foundation for Traffic Safety and the University of Utah.


The first study looked at infotainment systems in car brands like Chevrolet, Chrysler, Ford, Hyundai and Mercedes, while the second checked out digital assistants like Siri’s voice system.


Voice-activated systems were tested by 162 university students and other volunteers in a lab, a driving simular and driving through a Salt Lake City neighborhood. Based on a scale of 1 to 5, with 1 being not a distraction at all and 5 akin to doing a complex math problem or word memorization, Siri earned a 4.14 rating, which was the worst.


In fact, twice while using Siri in a driving simulator, participants ended up rear-ending another car.


Among the car brands, Chevrolet’s MyLink had worst rating at 3.7. And the infotainment systems of Mercedes, Ford and Chrysler were dubbed more distracting for drivers than just talking on a hand-held phone.


“What we continue to see from customers is that they demand this level of technology in their vehicles, that access to music and access to calls is now a critical part of the driving experience and so we’re looking at innovative ways to provide that,” a Chevrolet spokeswoman said.


And while you’re yelling at your car to get off the station playing Nickelback as quickly as possibly, you’re probably going to be distracted.: Those that flubbed the ratings badly did so even when drivers issued clear voice commands, said David Strayer, the University of Utah psychology professor who led the two studies.


For example, telling your car to change the radio to “103.5 FM” would work, for example, but not “FM 103.5″ or just “103.5.”


Siri had her shares of missteps too — including in one instance where the driver asked to call a phone number and Siri dialed 911 instead, since it was in the driver’s phonebook, so why not?


“When these systems become more complex, like sending text messages or posting to Facebook, it pushes the workloads to pretty high levels and may be dangerous while driving,” Strayer explains.


New studies point out dangers of ‘talking’ to car [Associated Press]




by Mary Beth Quirk via Consumerist

NHTSA Investigating Nearly One Million Ford Vehicles For Possible Power Steering Defect


The investigators over at the National Highway Traffic Safety Administration have had their work cut out for them this year. And that workload doesn’t appear to be slowing down anytime soon, as the regulator announced this week that it would be looking into power steering issues in nearly a million vehicles manufactured by Ford Motor Co.

A notice [PDF] from NHTSA reveals the agency’s Office of Defects Investigation (ODI) opened a probe into 938,000 model year 2010 to 2012 Ford Fusion, Mercury Milan and Lincoln MKZ vehicles because of possible failures in the Electric Power Assisted Steering (EPAS) that could contribute to crashes.


NHTSA has received 508 consumer complaints alleging loss of power steering assist and increased steering effort in the vehicles. Four of the complaints allege that the steering assist failure resulted in increased steering efforts that contributed to a loss of control and crash.


“This is the third time my power steering has just randomly gone out of our rental 2012 Ford Fusion,” one consumer tells NHTSA in a complaint. “The first time, I was traveling at 25 mph making a left turn. Second we were driving 50 mph changing lanes. This morning about a quarter a mile from our home she lost power steering and hit the curve resulted [sic] in a blown out front time. What a dangerous car.”


Several consumers reported seeing a power steering warning message as the failure occurred.


In some cases the condition was corrected by turning the vehicle off and restarting. However, many consumers reported the issue continued after the restart.


That appears to have been the case in another complaint involving a crash. The consumer reported that while driving at 35 mph her 2011 Ford Fusion lost steering causing her to crash into a curb.


“The vehicle was restarted and the steering wheel operated under normal conditions,” she wrote in the complaint. “The failure recurred several times, however. The vehicle was taken to the dealer three times and each time the failure could not be replicated.”


In addition to the consumer complaints, NHTSA reports that related information about the issue was identified in Early Warning Reporting field data submitted by Ford.


NHTSA officials say ODI has opened a preliminary investigation to assess the scope, frequency and safety consequences of the alleged defect.




by Ashlee Kieler via Consumerist

Restaurant Responds To Negative Yelp Review With Role-Playing Exercise

yelpgrab When a ticked-off consumer goes on Yelp to unleash a nasty rant about your restaurant, what’s the best way to respond? For one eatery in Kansas City, it was to flip the tables on the Yelper with a bit of dramatic role-playing.


Eater.com has the story of the Yelper whose husband attempted to place a to-go order from a restaurant that not only doesn’t offer take-out service, but explicitly says “No” under “Take-out” on its Yelp page, so it shouldn’t be a surprise.


“My husband asked to speak with the manager,” reads the one-star review, which appears to have been either deleted or filtered off the restaurant’s Yelp page. “The manager, Jamie, said, ‘our food is plated beautifully, and we can’t put it in a ‘to go’ container.’ So thanks, Jamie, we’ll just starve. (What the manager said is just not true by the way–we’ve eaten there before, and they did pack our food to go.) When my husband said that he was going to post a Yelp review about the way the restaurant was treating us, the manager questioned, ‘Are you a grown man and an adult?'”


The Yelper also said that she and her husband “regularly travel to NYC and eat at a variety of restaurants, which are more than happy to accommodate people by packing food to go.”


In its response to this review, the restaurant points out that its no to-go policy is in place because they would rather have customers eat at the restaurant and experience the food the way it was meant to be plated and served (and at the right temperature). Any to-go containers the couple may have seen previously were packed-up leftovers; not take-out orders, says the restaurant.


The response even confesses to questioning the caller’s age and maturity “after he became combative and threatened us with a negative Yelp review if we did not alter our operational practice and provide him with ‘take-out’ food.”


Then it gets to to the role-playing:



It was made REPEATEDLY clear in the conversation with your husband that he is a lawyer. Let me provide the following analogy/role reversal…it may assist in clarifying your request.


YOU: I want to hire you to handle my divorce.


ME: But, I’m a tax lawyer.


YOU: I don’t care…I want you to handle my divorce.


ME: Sorry, but I don’t practice that form of law.


YOU: Just handle my divorce, I’ll pay you…it will be fine.


ME: I don’t feel comfortable providing my services as a divorce lawyer, as I am a tax lawyer. You won’t receive the service you are wanting or that I am willing to provide.


YOU: Well, I travel to NYC often, and in NYC, Tax lawyers handle my divorce litigation all the time. I don’t know what the problem is. I’ve told you I’m a chef, right?


ME: Well, that’s nice sir, but I really can’t help you. It goes against my business practice.


YOU: If you don’t represent me in my divorce, I’m going to post it all over the [most frequented social media review of lawyers] that you refused to provide me with the service I requested, and make baseless allegations about how you are very pretentious, arrogant and unprofessional. I will also try to prevent you from getting any additional business by damning you on said social media platform. Now will you represent me?


ME: I don’t take kindly to threats.


Thanks for your feedback. We will let you know if we decide in the future to practice divorce law, I mean, provide “take-out” food.





by Chris Morran via Consumerist

Hero Nurses Save Grandparents From Wiring Thousands Of Dollars To Scammers


Visiting nurses can make the lives of their patients easier and healthier, but “stopping scamsters who prey on the elderly” isn’t in their job description. Yet that’s exactly what two visiting nurses in Connecticut did in the last few weeks, both on their own time and while they were working. They weren’t afraid to butt in and save the near-victims thousands of dollars.

We’ve described the scam here before: the scammers call up random elderly people in the middle of the night, claiming to be their grandchild, far away and in the middle of a crisis. The fastest way to send money is to send a prepaid debit card or wire the money.


The conversation goes something like this:


VICTIM: Hello?

SCAMMER: Grandma, it’s me. I’m traveling in Canada and I need help.

VICTIM: Who is this? Brianna, is that you?

SCAMMER: Yes, it’s me, Brianna!

VICTIM: You sound different.

SCAMMER: I was in a car accident and broke my nose. I need your help, I need $5,000 right away!


Call enough numbers, and you’ll end up reaching someone with adult grandchildren who finds the story credible. It’s all simple social engineering. The nurses in Connecticut happened to have just received training on spotting financial scams targeting the elderly, including this exact scheme. The Ridgefield Press shared their stories of everyday, mundane heroism.


One patient called up the visiting nurse agency to ask for a ride to the bank due to an emergency, eventually explaining that her grandson needed $5,000 for bail. A credible-sounding man posing as his lawyer had called, but what the victim didn’t realize was that bail isn’t sent by wire transfer, or by “government courier” sent to an elderly relative’s home to pick up the cash. Once the nurse questioned this story, suddenly the problem was a car accident, and the $5,000 was needed to cover the costs of a car accident.


In another case, an off-duty nurse happened to overhear a conversation at the grocery store, where a couple in her eighties needed to send $2,800 to their grandson, who was stuck in South America with a broken nose. The “grandson” told them not to tell any family members, and that his own phone was broken so they wouldn’t be able to call him. The nurse intervened, explaining the scam and convincing the couple to contact another family member. Nope, the real grandson wasn’t even vacationing in Colombia.


How can you prevent this kind of thing? Make sure that your elderly relatives are aware of these scams. Consider establishing a family code word or a question involving a cherished family story or in-joke that you would have to answer in the case of an emergency, especially if the emergency requires that money be wired urgently to another country.


Nurses stop scam targets from becoming victims [Ridgefield Press]




by Laura Northrup via Consumerist

Cook Food From Scratch, Fresh Out Of The Microwave


Most people associate the idea of cooking from scratch in the microwave with nightmarish visions of the early ’80s, or with the ambitious sadness of the book Microwave Cooking for One. It is possible to cook real, non-ramen food in the microwave, though, including steaming vegetables (like corn still in the husk) and even fish filets. You can even partially cook chicken in the science oven to save time when grilling. [Consumer Reports]

by Laura Northrup via Consumerist

¿Mala práxis en Twitter? (Caso @Urizarna) #socialmedia #marketing

Hola:


En mi estrategia de trabajo en Twitter siempre he hecho “follow” a las cuentas que me siguen, siempre me ha parecido una deferencia a los que se toman la molestia de seguir mi cuenta.

Hay una práctica cada vez más extendida en Twitter que consiste en seguir una cuenta que probablemente te va a devolver el seguimiento y poco después te deja de seguir con la esperanza de que no te des cuenta y así “engordar” su número de seguidores. Esta práctica bajo mi punto de vista me parece totalmente inadecuada, y mucho más en el caso de una empresa.

El otro día revisando mi cuenta observé que la cuenta @Urizarna había hecho eso con mi cuenta personal y me molestó, por lo que envié el siguiente tweet:








en la mayoría de los casos se suele queda ahí. Pero hoy sorprendentemente han marcado como favorito el tweet y lo ha retweeteado, lo que sin duda, me ha asombrado.

No se que tipo de estrategia siguen o si tienen automatizadas las respuestas, pero no parece lo más adecuado el RT.

Pensé que la cosa quedaría ahí, pero no fue así, al poco me envían este tweet:








que fue respondido con este otro:








No me queda claro la estrategia que siguen, pero en lo que yo conozco no entra dentro de los cánones habituales de respuesta en Redes Sociales. Por supuesto que cada uno hace lo que quiere con su cuenta, pero en mi opinión algunas empresas debieran cuidar algo más este aspecto.

y ¿a vosotros que os parece?


Un saludo




Archivado en: Marketing on line, Redes Sociales, Sociedad de la información Tagged: internet, Marketing, redes sociales, tic, Twitter, Web 2.0.



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Top 20 blogs sobre marketing y publicidad más influyentes (10/2014) #infografia #infographic #marketing

Hola:


Una infografía con el Top 20 blogs sobre marketing y publicidad más influyentes (10/2014). Vía


Un saludo


Top 20 blogs sobre marketing y publicidad más influyentes (10/2014)

Top 20 blogs sobre marketing y publicidad más influyentes (10/2014)



infografia_top_20_blogs_marketing_octubre_2014




Archivado en: Infografía, Marketing on line, Redes Sociales, Sociedad de la información Tagged: Blogs, Infografía, internet, Marketing, redes sociales, tic, Web 2.0.



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