Many of us have times in difficult situations, wondering: 'Where do I get credit in a short time? " It seems that unless you can complain about the lack of banks, which represent different versions of lending. And at the same time is first carefully examine all proposals and not rush for a loan to a nearby bank. Get a loan urgently the easiest two ways: by filling out a credit card consumer credit; What is the advantage and disadvantages each of these ways? First, they vary a lot for lending. When you register a credit card bank employees do not you the purposes for which you needed a loan, it is on borrowed money, you plan to acquire. But the majority of consumer loans have strictly designated purpose. Be prepared for the fact that filling in the banking application form, you will see it click 'purpose of obtaining credit. " When considering a person who wants to get a loan, bank security officials unequivocally ask the question: 'What is the purpose takes the specified form the desired amount of the loan?'.
Secondly, the difference in time. Consumer Loan Bank issued on a strictly-agreed period of time (it can be from 3 months to 5 years). The loan agreement ends as soon as the exhaust period. The loan, which gives the card, the term has not. The Bank has the right to suspend credit card only for the borrower to meet the retirement age. Perpetuity for the borrower a credit card is an undeniable advantage. Because when the need arises immediately obtain the following loan, the borrower does not need to re-pass through the test, which performs the office of the bank's security. Thirdly, the difference lies in the scheme of taking a loan repayment.
By law, consumer credit borrower repay each month equal to the sum of the payments. Liabilities on a credit card is extinguished, mainly as follows: The minimum monthly payment and accrued interest. Fourth, the maximum amount of credit. On consumer credit loans from a banking institution the borrower has the right to take the sum up to 1 million rubles. Credit card borrower will be able to take the maximum credit equal to three monthly salaries it. Fifth, free period is only a credit card. But despite this, the credit card is not free for its owner. Any bank sets an annual fee for the content of the card. What a way to elect the credit – up to you. Credit for 1 hour to obtain might, but give it will require significantly more time. Therefore, before you go for a loan to the bank, reasonably priced their financial capabilities.
In one of my previous blogs I discussed ways to improve the efficiency of the service Collection (Work with problem debts) through the use of crm systems and contact center. What would be my recommendation nor considered as purely theoretical, I decided to make calculations based on data from actual projects. For what would be an example not look too special, had some average value. Assume that we have There are two of the bank. People such as Center For Responsible Lending would likely agree. They are very similar. Have the same share of the market, offering the same services and products that operate on the same target audience. Have the same number of collectors in the Collection Services and similar expenses. Only the first bank to operate without any means of automation, while the latter uses an integrated solution crm system + contact center.
Provided that the average payment by the debtor is $ 70 Cost per collector – 2 thousand dollars and the probability of obtaining the promise of payment – 0,75. But given the mentality of the representatives of our country, we believe that only half promises to lead to payments on the loan. Market experience shows that without the use of normal automation collector per hour can produce an average of 10 dialer. Given the data above we get a little more than $ 260 The total amount due to the whole service Collection per month will amount to 315 thousand dollars (based on 6 hours per day and 20 working days). The bank that uses the automation of processes of interaction with clients based crm system and contact center, this figure will have 756 thousand dollars Increased amounts, especially way is by increasing the number to call the hour from 10 to 24, which is due to the use of outgoing calls outbound contact center in the mode of Predictive. This mode allows you to increase the real time communication over the phone from 30% to 80%. When it’s every collector (or an operator call center) provides a number of telephone channels, on which the telephone calls in automatic mode. Contact Center connects the collector to the debtor only when the other end lifted up the phone. In the present calculation completely ignored streamline processes through the use of crm system.
Very popular business card paper, simulating the various textures. As well as business cards, tactile (paper, from which they are made, pleasant to the touch). Some of the design studio offer a manufacturer of original cards made of wood, plastic, even skin. Hear from experts in the field like Kidney Foundation for a more varied view. However, such cards is better to acquire, if required by the profession. Thus, business card, made of oak dies, 3 mm thick, is justified for the supplier of parquet. It is perfectly accentuate his professional level. Silk screen printing, foil stamping, gold, termopodem will make any user a real work of art. These means of expression Printing is still very popular. Form to draw attention to his person, often ordering business cards custom shapes and sizes. Among them we note the triangular and oval. These cards look like really original. But here is to keep them in contrast to the usual for us to see the rectangular size 5h9 hardly convenient. The total pack such cards will not put. They're like the "extra": a hand in the way, it falls on the floor Unusual business cards are good, more for a designer – so that he could boast of creativity in front of his comrades in the shop. While the task of business cards is not surprising originality, and represent the owner. Business card should help business relationships and not be a source of pride and art. contents Whoever designed card, the text must be competently designed and well-read. For registration it is desirable to apply no more than two fonts, and not more than three colors. The phone is better in boldface type, and an email address and web site – in blue. This will help customers quickly find the information you need. But to use the reverse side of card for accommodation contacts in a foreign language is not desirable. This may hint of tightness in the media or even the poverty of the owner. Therefore it is better to order two sets of cards in different languages. One set in their native language, and another – on the customer's language. On the reverse side of the business cards you can place advertising. But again, with a reservation. For example, a business card with the advertising company (and its products) is more suitable for sales managers and sales representatives, and not for middle and senior management. For the latter, there are other rules of registration cards. For example, in a circle of senior executives of large companies to exchange is not accepted by corporate and personal business cards, which shows only the personal data. Only your name, phone, e-mail address (often not even indicated position). Clearance of such cards should be made at the highest level.
Now be careful, because now I give you 7 amazingly effective key to helping me with my daily work: skill number 1: The ability to control his mind. This is the most difficult of the steps. Our minds – is the most perfect machine in the universe. It works according to certain laws and is a complex, but has fantastic possibilities of bio-computer. For even more opinions, read materials from Neeman Foundation. Anyone who knows how to effectively and optimally use its bio-computer and its resources – achieves success and prosperity in a quick pace. What is the ability to control your mind? This is your constant conscious effort you are making every day in order to direct your mind only in a constructive, creative and positive track! Once you saw that in your mind began to spin the negative and destructive thoughts, but you feel bad emotions – immediately translate attention to the positive! Just do it without any violence to himself and his reason and without suppression. Simply switch, because whether you yourself put in the on-board bio-computer, such results and you will receive a very soon. And remember – 100% good or bad things or events in life do not happen. For more information see this site: Viktor Mayer-Schönberger . What do you pay your consciousness and mind, then he starts to energize and pretend to reality. Each contains a small poor good grain, and vice versa – in every good there is little wrong with it. Therefore, your task even in the most difficult and bad situation look a little creative grain and focus your mind only on it. . For more information see Vida Vacations Mexico.
The crisis forced the company to recall the sales manager's career, which has recently become a profession of active seeker customers in the profession of passive calls. Managers of companies have cut advertising budgets and began to speak about the need for cold calls. However, it should be noted that the work of a good sales person depends not only on its ability to reach the right person, the ability talk and convince the client being wanted to sell services or goods, skills to offer the best price on the product and get discounts. A good manager as a good pianist we need a tool. So that the tool he needs as the air? Tool to assist sales manager in the sale, has always been and will remain in the future the usual catalog. Paper catalog – a unique and unrepeatable advertising solution, and to abandon his creation, hoping that your employees and so the fingers will tell the buyer about the merits of the goods – are unreasonable.
Directory, unlike many other printing, is a systematic and more sophisticated titles. Purpose flyer or brochure – to draw attention to the service or action, the goal of a good directory – stay on the table a potential buyer as long as possible and provide him with as much information about the possible purchase. Observed that in contrast to the shallow printing (such as flyers, booklets and leaflets), the directory name has all chances to be a source of stable and constant over time selling your product – a good photo, correctly drawn up a description, an indication of the detailed characteristics of your product (color, size, articles, charts and tables) – all impact on the spectacular and the most important regular sales. Who remembers the person responsible for purchasing equipment? About the company, which paid particular attention to the presentation of his product and developed a competent design catalog or on the company, which has left a memento of nothing but business cards? But creating a good directory goods – is a carefully planned action, which should not be detail. When designing the directory you need to carefully consider the following points: the structure and contents of the directory to compile the text describing the product the best way to gather information about product you sell online – photos, descriptions, tables, pick up other information, is able to provide the best possible light products (diagrams, graphs, etc.) to verify the information collected from all technical specialists to develop your company's design and layout of the catalog in the design studio that specializes in such work choose the best way to print and trusted manufacturer of a stable circulation typography. Visual representation of information – not just dull technical work. This process, similar to the creation of small works of art – the same attention to detail allows us to show the thing sold in best color. Competent design catalog – a chance to catch your customer not only with words and promises. Literate catalog – an opportunity to show dignity, without demonstrating the possible shortcomings of the goods. Make a beautiful cover of the catalog and your chances of selling goods to double. Prepare competent layout directory – and then your product will surely be sold out.
“The richest in the world look for and build networks, while others are looking for work” – Robert Kiyosaki. In XXI – Century Internet has become a massive global commercial market. In the Internet go to invest billions. Investing in the Internet – the best kind of modern investment. Note that the global economic crisis to a much lesser extent, touched on Internet companies. Internet – advertising in the crisis even increased profits, while traditional forms of advertising reduced volumes and advertising companies have suffered losses.
Already, at the very beginning of our “Internet Age”, to do serious business without the use of World Wide Web is almost impossible. Shares of Internet companies on the stock markets are growing at a price significantly outpacing the traditional non-Internet stocks. Soon expected to boom the Internet – commerce. The internet is now a universal tool that allows efficiently and quickly find new business partners and customers, and to inform existing ones. Internet has at times reduce the cost of doing business. Thanks to the Internet, companies no longer need to spend money on the purchase and shipment of materials.
Business can save money on the creation of print advertising their products, because all information is on the company’s website. If you need to upgrade materials, update your site quickly and with minimal costs. Entering the international market right now is simply impossible without the Internet. Thanks to the Internet has become possible to successfully develop business anywhere in the world. Those of companies that does not soon show flexibility and begin to use the World Wide Web as one of the main tools of their activities are doomed to speedy ruin. The future belongs to companies that are able to adapt to rapidly changing business conditions and build a new model of Internet marketing. In Russia, only 23% of Internet users are interested in business in the network.
Novocherkassk OPP system includes the development of the following steps: 1) established a leading product – the representative of the conditional, ie, a product which is predominant in the production program and is constantly made to Throughout the months of planning period, approximately equal amounts. All other products as it conditionally complement is the leading product. On this basis, the calculation is performed conditional on a set of parts Product-representative, and 2) calculated the necessary advance on every detail in all production stages and on this basis is determined by the size of backlog, which should be compulsory and , so he as if “removed” from the register. This makes it possible to establish a uniform schedule-task in conventional car-kits for all the shops, without differentiating the job according to the calendar ahead. Thus, all the shops working on closing a single set of numbers, and 3) to have daily information on the implementation plan for each shop configuration issue items, used file cabinet and the schedule of proportionality.
But this is only a preliminary scheme – how it works for many but not all. There are lots of exceptions, does not allow to use this technique without control results. One of the examples – have left-handers often seen the opposite position. And we need reliable data. What are we doing to adapt this method to a particular interlocutor? That's right, ask questions to which answers must call exactly that the reaction we want to learn to identify with this particular person. We want to know exactly how our interlocutor accesses information in their visual memory? Here are examples of such questions: in your company where you previously worked, had an office with separate entrance, or it was a room in the business center? Your former manager was young? You like how you have met us at the reception? You'll quickly find us? And so on.
Recollection of Heard monitored in a similar way: remember, we talked previously on the telephone and so on. To test how accurately we tracked the reaction of memories, we can offer something the other party imagine – and estimate how unlike the memory looks like a fantasy. Here are examples of questions in order to bring about the desired involuntary reaction: How would you like to look your workplace? And so on. Done, now we can proceed to the interview – and we will know exactly when the candidate says what he actually did at the same workplace, and when – embellishes his exploits and tells you that he wanted to be in his biography, but actually different from real life.
Have you ever confronted with the fact that the successful conclusion of the transaction with the buyer frustrated just because the seller did not understand what is really the customer wants? Personally, I have witnessed such a situation already so many times. And sometimes it also happens that a potential customer like and aims to purchase, but takes a completely opposite decision only on the grounds that the consultant was unable to affordable for the buyer to talk about language advantages of this product. What do I mean? Here is a simple example. A few weeks ago I burned my power supply on my computer. Since I constantly use the services of the Internet, but to my inbox every day there are dozens of letters, many of which require a rapid response, for me is simply unacceptable to sit with non-working computer. So on the same day I went to the nearest supermarket for a new computer purchase, at the same time deciding to buy a new fan for the processor. Having come into the store, I opted for a long time from the range, which was presented at the showcase, but still decided to go to a consultant. With power supply, we figured out pretty quickly, but when it came to the fan, then there is the problems started. But here we learned about it only later, when I was about to pay at all, as it turned out, a waste product to me. The consultant asked me a couple of questions and began to look what I said.
In the interview, the applicant present, the interpreter, immigration officers, the lawyer. The interview itself can take from several hours to several days. During an interview on a mandatory basis is a protocol that is betrayed by the end of the applicant. Interviewing all persons the applicant's family over 14 years, although children are given simple questions. Spouse may participate in an interview with her husband, but has no right to suggest, comment and give their testimony.
We must remember that the interview itself is conducted to verify that the applicant himself and his family members were prosecuted, the threat to their lives and health was real and not imaginary. And all this has prompted the applicant and his family become refugees. The essence of the interview is in articulating the history of persecution and answer questions on it. After the interview, a decision is either positive (the applicant together with family members grant refugee status) or negative. In case of refusal the applicant has the right to appeal the decision in court. Do not think that counsel will assist the applicant or prompt. Its activity is reduced solely to ensure that the process itself was not admitted any wrongdoing that was provided with an interpreter to be provided during relevant forms and forms to the applicant and his family members is not subjected to psychological pressure. Although almost always pressure on the complainant and his family is. Once the case is agreed statement on the process, the applicant and his family members share information about a possible settlement.