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    3 Steps to Equipment Financing Success
    Mortgage Brokers interested in adding equipment financing to their revenues can do so by following 3 easy steps.Starting a commercial equipment financing business can be a doubly successful endeavour for mortgage brokers because it can generate a new income stream as well as open up more doors for building their existing mortgage business. Also, financing equipment can be a good stepping stone for a mortgage broker into the more complicated world of project & commercial property finance. With good commissions available, this area should be of interest to the expanding mortgage broker's business.While the thought of commencing a new business venture can be a daunting one success will come from having sound procedures and practices. A small amount of work initially will quickly help you to determine if there is a business opportunity, and if there is - how to go about taking advantage of it.1. Establish yo
    about your relationship with the company.

    For instance, let’s say you are getting overcharged a penny on every call you make on your long distance and your address still hasn’t been updated from when you moved a year ago. Let them take care of the overcharge first because if you run out of time or patience, the address change is easy to take care of on another call if you have to. Believe me they’ll find you if your bill is returned by the post office. An easy way to handle multiple problems is to write a note for yourself before you call with each issue listed so you don’t forget anything and be sure to prioritize them by order of importance.

    5. Be courteous to the person helping you. Remember that the person processing your rebate or handling your complaint is a human being who has feelings just like you. It’s not their fault that something went wrong (unless of course they promised to do something that never happened).

    Computers and automated billing systems have created a lot of problems for customers. Try to keep in mind that there wasn’t a group of people at the company who sat down and decided to mess up your account or not give you a rebate. Things happen and they happen to everyone at one time or another. It just happened to be your turn.

    Finally, feel free to make helpful suggestions on how the customer service process might be improved. Some companies have a system of culling these suggestions to improve thing

    Career Burnout And How To Resolve It
    Sarah is a highly effective, multitasking business professional with a strong passion for her work. She is also a loving and caring mother of three kids. Sarah is happily married to an equally busy man. They have lots of friends and an active life outside work. It sounds too good to be true! How does she manage?Some years ago Sarah was overwhelmed, frustrated, constantly tired and ready to stop her professional dreams. She worked over 60 hours per week, and tried desperately to catch up with dead lines and projects, meetings blended with business travel. She had difficulties to deliver in time, her occupational stress level was high and her job motivation was low. Sarah’s performance declined. Her life was going in a downward, steep spiral. She was close to loosing her job, and to get a divorce, all at the same time, and she felt miserable.Sarah didn’t want to give up. She understood she needed help to sort out the different parts in
    Customer service, customer care, customer relations or whatever you want to call it has certainly lost its focus – the customer.

    Horror stories abound about waiting hours to get a simple problem resolved. Customers now expect to be on terminal hold, expect to argue for their rights, expect to deal with someone thousands of miles away in a foreign country who doesn’t understand American culture, and expect to repeatedly ask for the next level manager until they ultimately slam the phone down in disgust, start cussing up a storm or both.

    The anger and frustration most people feel about being unable to reach someone knowledgeable enough to solve their problem is making some companies reconsider their decision to outsource customer call centers to places where they have little quality control. Companies are finally starting to realize the customer will and is leaving because they don’t feel valued.

    But there are things the average customer can do to make their customer service experience a little less painful.

    1. Always follow instructions. It’s amazing how many people can’t follow simple instructions. If the company has a written return policy (whether on the receipt or on-line), you need to read it carefully and adhere to it exactly or you just hurt yourself.

    One-third (34%) of all rebates are rejected and never fulfilled because the customer didn’t fill out the form with their name and address or failed to attach a copy of the receipt! These same customers call the customer service line and angrily complain about never having received their rebate. The company cannot read your mind. When questioned about why they didn’t fill out the form, most customers said their return address was on the envelope or that the store has their credit card number so should have their address too. Trust me, they don’t have this information – your credit card company has it.

    Another common problem is the customer who is worried about the company “stealing their identity” and refuses to give the information necessary to process the request. If you (the customer) made the call or sent the letter to the company, you should be confident the employee is not going to rip you off. If someone called you, there may be legitimate cause for concern. If you are uncomfortable with the person you are speaking to, ask to speak to someone else. It’s your right to do that.

    The simple truth is that rebate, refund and customer service people handle hundreds, if not thousands, of rebates, refunds and requests for help every day. If they have to hunt down information to fix your problem because you failed to fill out a simple form with your address, they will move on to an easier request just to get through the pile of paper on their desk. It could be weeks or months before your request is even looked at again, if ever. Follow all instructions, whether you think they are stupid or not.

    2. Keep documents and document contacts. To speed up any request with customer service it helps to have all your information in front of you, such as account numbers, disputed amounts, etc. You have a more powerful case when you can have facts and have the proof you need to get your problem solved.

    More than half (56%) of people calling customer service do not have their account number available when asked and then ask the representative to wait while they hunt for it. What were they doing while they waited on hold? Be prepared to give dates, amounts and charges when asked.

    Always write down the name of the person you talked to. Get their first and last name and their employee ID number if they have one. Make note of the date and time you called and the details of what they told you or promised you they would do. Write it on the bill or receipt so that it doesn’t get lost. If you need to call back a second time, ask for a direct dial number or extension for the customer representative so you won’t have to go through the whole story with a different person.

    The single most important thing you can do if you do nothing else is to keep the receipt for every item you own for as long as you own it, with the exception of consumable items like food, gas, newspapers, etc. You can’t enforce your warranty, get a rebate or a refund if you can’t prove you bought it. Put all your “keep” receipts in one place so you can easily find them. Once a year throw out any receipts for items you discarded during the year.

    3. Allow time for the process to work. It’s human nature to want our problems fixed as soon as we realize we have a problem. It doesn’t always translate that easily in the real world. Sometimes the company needs time to get your problem solved.

    If the rebate or refund form you mailed in said “allow 4 to 6 weeks for processing” that means 4 to 6 weeks, plus another week if you mailed it in. Mark your calendar 7 weeks out for a follow-up. It really doesn’t get your rebate or refund to you any faster to keep calling the company, and may actually slow it down if the company thinks you’re a pain in the butt. Remember customer service people process hundreds and hundreds of requests. If they have to stop to search for yours in a big pile of requests to verify they received your form, it will just take that much longer to get to it done. Don’t send in duplicate requests either because if your duplicate comes in before they’ve finished processing the first request, the company may cancel both to allow them time to check for more duplicates. So wait patiently for the system to work, you aren’t the only one asking for a rebate or refund.

    4. Keep your request simple. Try not to confuse the customer service representative by telling a tale of two cities when you call. Make your most important request first and let them solve it, then bring up any other minor issues that are bothering you about your relationship with the company.

    For instance, let’s say you are getting overcharged a penny on every call you make on your long distance and your address still hasn’t been updated from when you moved a year ago. Let them take care of the overcharge first because if you run out of time or patience, the address change is easy to take care of on another call if you have to. Believe me they’ll find you if your bill is returned by the post office. An easy way to handle multiple problems is to write a note for yourself before you call with each issue listed so you don’t forget anything and be sure to prioritize them by order of importance.

    5. Be courteous to the person helping you. Remember that the person processing your rebate or handling your complaint is a human being who has feelings just like you. It’s not their fault that something went wrong (unless of course they promised to do something that never happened).

    Computers and automated billing systems have created a lot of problems for customers. Try to keep in mind that there wasn’t a group of people at the company who sat down and decided to mess up your account or not give you a rebate. Things happen and they happen to everyone at one time or another. It just happened to be your turn.

    Finally, feel free to make helpful suggestions on how the customer service process might be improved. Some companies have a system of culling these suggestions to improve things

    Stress Reduction Tips
    Our doctors and therapists warn that stress is the cause of many illnesses and reduces the quality of sleep, relationships and well being. Yet, how can you reduce stress without shirking your duties and responsibilities? Everyone dreams of running away to a French chateau as they are driving the carpool in heavy traffic. However, usually we do not need to change our lives drastically to make substantial improvements to our health and happiness. Here are six steps for type A personalities and overworked moms to use to reduce stress in their minds and their lives.1. Remember when you were eight years old? What did you think you would be doing when you grew up? Were you a fireman? Visit a firehouse and ask if they need a hand. Were you a ballerina? Enroll in an adult ballet class and for one hour a week be a beginning prima donna.This works because switching professions to a beloved childhood dream, even for a few hours a week, takes you
    f the receipt! These same customers call the customer service line and angrily complain about never having received their rebate. The company cannot read your mind. When questioned about why they didn’t fill out the form, most customers said their return address was on the envelope or that the store has their credit card number so should have their address too. Trust me, they don’t have this information – your credit card company has it.

    Another common problem is the customer who is worried about the company “stealing their identity” and refuses to give the information necessary to process the request. If you (the customer) made the call or sent the letter to the company, you should be confident the employee is not going to rip you off. If someone called you, there may be legitimate cause for concern. If you are uncomfortable with the person you are speaking to, ask to speak to someone else. It’s your right to do that.

    The simple truth is that rebate, refund and customer service people handle hundreds, if not thousands, of rebates, refunds and requests for help every day. If they have to hunt down information to fix your problem because you failed to fill out a simple form with your address, they will move on to an easier request just to get through the pile of paper on their desk. It could be weeks or months before your request is even looked at again, if ever. Follow all instructions, whether you think they are stupid or not.

    2. Keep documents and document contacts. To speed up any request with customer service it helps to have all your information in front of you, such as account numbers, disputed amounts, etc. You have a more powerful case when you can have facts and have the proof you need to get your problem solved.

    More than half (56%) of people calling customer service do not have their account number available when asked and then ask the representative to wait while they hunt for it. What were they doing while they waited on hold? Be prepared to give dates, amounts and charges when asked.

    Always write down the name of the person you talked to. Get their first and last name and their employee ID number if they have one. Make note of the date and time you called and the details of what they told you or promised you they would do. Write it on the bill or receipt so that it doesn’t get lost. If you need to call back a second time, ask for a direct dial number or extension for the customer representative so you won’t have to go through the whole story with a different person.

    The single most important thing you can do if you do nothing else is to keep the receipt for every item you own for as long as you own it, with the exception of consumable items like food, gas, newspapers, etc. You can’t enforce your warranty, get a rebate or a refund if you can’t prove you bought it. Put all your “keep” receipts in one place so you can easily find them. Once a year throw out any receipts for items you discarded during the year.

    3. Allow time for the process to work. It’s human nature to want our problems fixed as soon as we realize we have a problem. It doesn’t always translate that easily in the real world. Sometimes the company needs time to get your problem solved.

    If the rebate or refund form you mailed in said “allow 4 to 6 weeks for processing” that means 4 to 6 weeks, plus another week if you mailed it in. Mark your calendar 7 weeks out for a follow-up. It really doesn’t get your rebate or refund to you any faster to keep calling the company, and may actually slow it down if the company thinks you’re a pain in the butt. Remember customer service people process hundreds and hundreds of requests. If they have to stop to search for yours in a big pile of requests to verify they received your form, it will just take that much longer to get to it done. Don’t send in duplicate requests either because if your duplicate comes in before they’ve finished processing the first request, the company may cancel both to allow them time to check for more duplicates. So wait patiently for the system to work, you aren’t the only one asking for a rebate or refund.

    4. Keep your request simple. Try not to confuse the customer service representative by telling a tale of two cities when you call. Make your most important request first and let them solve it, then bring up any other minor issues that are bothering you about your relationship with the company.

    For instance, let’s say you are getting overcharged a penny on every call you make on your long distance and your address still hasn’t been updated from when you moved a year ago. Let them take care of the overcharge first because if you run out of time or patience, the address change is easy to take care of on another call if you have to. Believe me they’ll find you if your bill is returned by the post office. An easy way to handle multiple problems is to write a note for yourself before you call with each issue listed so you don’t forget anything and be sure to prioritize them by order of importance.

    5. Be courteous to the person helping you. Remember that the person processing your rebate or handling your complaint is a human being who has feelings just like you. It’s not their fault that something went wrong (unless of course they promised to do something that never happened).

    Computers and automated billing systems have created a lot of problems for customers. Try to keep in mind that there wasn’t a group of people at the company who sat down and decided to mess up your account or not give you a rebate. Things happen and they happen to everyone at one time or another. It just happened to be your turn.

    Finally, feel free to make helpful suggestions on how the customer service process might be improved. Some companies have a system of culling these suggestions to improve thing

    Wholesale Tea: A Market of Possibilities
    As the business world grows, the physical globe shrinks as products from all nations become business opportunities for companies of all sizes. A wide variety of items are available and relatively simple to acquire as the internet provides a gateway to export companies from all nations. With the rise in the accessibility of “foreign” countries, one seemingly small item has now exploded onto the market; Wholesale Tea.Before only available to those with contacts in Eastern nations including, China, Japan, India, and Sri Lanka, wholesale tea has now grown to suppliers in African nations, and importers through out the world, as a simple entry of “wholesale tea” in any search engine will provide users with a list of options supplying not only suppliers of Wholesale Tea, but also suppliers of wholesale tea bags, wholesale gift boxes and gift sets containing tea, and a variety of other similar items.A now global commerce, items such as go
    ocuments and document contacts. To speed up any request with customer service it helps to have all your information in front of you, such as account numbers, disputed amounts, etc. You have a more powerful case when you can have facts and have the proof you need to get your problem solved.

    More than half (56%) of people calling customer service do not have their account number available when asked and then ask the representative to wait while they hunt for it. What were they doing while they waited on hold? Be prepared to give dates, amounts and charges when asked.

    Always write down the name of the person you talked to. Get their first and last name and their employee ID number if they have one. Make note of the date and time you called and the details of what they told you or promised you they would do. Write it on the bill or receipt so that it doesn’t get lost. If you need to call back a second time, ask for a direct dial number or extension for the customer representative so you won’t have to go through the whole story with a different person.

    The single most important thing you can do if you do nothing else is to keep the receipt for every item you own for as long as you own it, with the exception of consumable items like food, gas, newspapers, etc. You can’t enforce your warranty, get a rebate or a refund if you can’t prove you bought it. Put all your “keep” receipts in one place so you can easily find them. Once a year throw out any receipts for items you discarded during the year.

    3. Allow time for the process to work. It’s human nature to want our problems fixed as soon as we realize we have a problem. It doesn’t always translate that easily in the real world. Sometimes the company needs time to get your problem solved.

    If the rebate or refund form you mailed in said “allow 4 to 6 weeks for processing” that means 4 to 6 weeks, plus another week if you mailed it in. Mark your calendar 7 weeks out for a follow-up. It really doesn’t get your rebate or refund to you any faster to keep calling the company, and may actually slow it down if the company thinks you’re a pain in the butt. Remember customer service people process hundreds and hundreds of requests. If they have to stop to search for yours in a big pile of requests to verify they received your form, it will just take that much longer to get to it done. Don’t send in duplicate requests either because if your duplicate comes in before they’ve finished processing the first request, the company may cancel both to allow them time to check for more duplicates. So wait patiently for the system to work, you aren’t the only one asking for a rebate or refund.

    4. Keep your request simple. Try not to confuse the customer service representative by telling a tale of two cities when you call. Make your most important request first and let them solve it, then bring up any other minor issues that are bothering you about your relationship with the company.

    For instance, let’s say you are getting overcharged a penny on every call you make on your long distance and your address still hasn’t been updated from when you moved a year ago. Let them take care of the overcharge first because if you run out of time or patience, the address change is easy to take care of on another call if you have to. Believe me they’ll find you if your bill is returned by the post office. An easy way to handle multiple problems is to write a note for yourself before you call with each issue listed so you don’t forget anything and be sure to prioritize them by order of importance.

    5. Be courteous to the person helping you. Remember that the person processing your rebate or handling your complaint is a human being who has feelings just like you. It’s not their fault that something went wrong (unless of course they promised to do something that never happened).

    Computers and automated billing systems have created a lot of problems for customers. Try to keep in mind that there wasn’t a group of people at the company who sat down and decided to mess up your account or not give you a rebate. Things happen and they happen to everyone at one time or another. It just happened to be your turn.

    Finally, feel free to make helpful suggestions on how the customer service process might be improved. Some companies have a system of culling these suggestions to improve thing

    Interview Types
    During an interview you can expect to be asked questions around your educational background, previous work experiences and questions relating to your personal characteristics and goals. But what happens after that? It depends on what interview style your interviewer prefers. Below are some of the more common interview styles used. The Structured InterviewDuring a structured interview, you will be presented with a series of questions that have been prepared ahead of time in a predetermined agenda. Generally, when a company is interviewing multiple candidates for the same position this format is used. Quite often, with these interviews, the questions are taken right from the internet. The Unstructured InterviewThis type of interview has no preset agenda. They usually begin with the very popular broad question of “Tell me about yourself”. Remember, your int
    out any receipts for items you discarded during the year.

    3. Allow time for the process to work. It’s human nature to want our problems fixed as soon as we realize we have a problem. It doesn’t always translate that easily in the real world. Sometimes the company needs time to get your problem solved.

    If the rebate or refund form you mailed in said “allow 4 to 6 weeks for processing” that means 4 to 6 weeks, plus another week if you mailed it in. Mark your calendar 7 weeks out for a follow-up. It really doesn’t get your rebate or refund to you any faster to keep calling the company, and may actually slow it down if the company thinks you’re a pain in the butt. Remember customer service people process hundreds and hundreds of requests. If they have to stop to search for yours in a big pile of requests to verify they received your form, it will just take that much longer to get to it done. Don’t send in duplicate requests either because if your duplicate comes in before they’ve finished processing the first request, the company may cancel both to allow them time to check for more duplicates. So wait patiently for the system to work, you aren’t the only one asking for a rebate or refund.

    4. Keep your request simple. Try not to confuse the customer service representative by telling a tale of two cities when you call. Make your most important request first and let them solve it, then bring up any other minor issues that are bothering you about your relationship with the company.

    For instance, let’s say you are getting overcharged a penny on every call you make on your long distance and your address still hasn’t been updated from when you moved a year ago. Let them take care of the overcharge first because if you run out of time or patience, the address change is easy to take care of on another call if you have to. Believe me they’ll find you if your bill is returned by the post office. An easy way to handle multiple problems is to write a note for yourself before you call with each issue listed so you don’t forget anything and be sure to prioritize them by order of importance.

    5. Be courteous to the person helping you. Remember that the person processing your rebate or handling your complaint is a human being who has feelings just like you. It’s not their fault that something went wrong (unless of course they promised to do something that never happened).

    Computers and automated billing systems have created a lot of problems for customers. Try to keep in mind that there wasn’t a group of people at the company who sat down and decided to mess up your account or not give you a rebate. Things happen and they happen to everyone at one time or another. It just happened to be your turn.

    Finally, feel free to make helpful suggestions on how the customer service process might be improved. Some companies have a system of culling these suggestions to improve thing

    Legal Assistants and Paralegals - The Future Is Bright
    One of most common ways to become a legal assistant or paralegal is through a community college program that leads to an associate's degree. Another common route; primarily for those who already have a college degree, is through a program that leads to a certification in paralegal studies.Many legal assistants and paralegals have associate degrees in paralegal studies or a bachelor's degree paired with a certificate in paralegal studies. Currently, a small number of schools offer bachelors' or masters' degrees in paralegal studies. A few employers train paralegals on the job, hiring college graduates with no legal experience or promoting experienced legal secretaries. Others have gained experience in a technical field useful to law firms, like tax preparation for tax and estate planning, criminal justice, nursing or health administration for personal injury practice.With 250+ paralegal programs approved by the American Bar Association
    about your relationship with the company.

    For instance, let’s say you are getting overcharged a penny on every call you make on your long distance and your address still hasn’t been updated from when you moved a year ago. Let them take care of the overcharge first because if you run out of time or patience, the address change is easy to take care of on another call if you have to. Believe me they’ll find you if your bill is returned by the post office. An easy way to handle multiple problems is to write a note for yourself before you call with each issue listed so you don’t forget anything and be sure to prioritize them by order of importance.

    5. Be courteous to the person helping you. Remember that the person processing your rebate or handling your complaint is a human being who has feelings just like you. It’s not their fault that something went wrong (unless of course they promised to do something that never happened).

    Computers and automated billing systems have created a lot of problems for customers. Try to keep in mind that there wasn’t a group of people at the company who sat down and decided to mess up your account or not give you a rebate. Things happen and they happen to everyone at one time or another. It just happened to be your turn.

    Finally, feel free to make helpful suggestions on how the customer service process might be improved. Some companies have a system of culling these suggestions to improve things. The key here is to make it about the process or service, not to make a personal attack on the person helping you.

    If you stick to these five simple suggestions you might be able to minimize your frustration with the whole process and actually get what you want without getting an ulcer in the process.

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