Developed During The Puberty Period Saggy Breasts

[ad_1]

The beginning of breast development is amongst the initial indications of puberty in girls; breast buds and pubic hair appear close together. Breast development usually begins about one year prior to the menstrual period starting. The growth takes a number of years.

o In the initial stage (in babyhood), breasts are flat.

o Then is the breast bud stage. In this stage, the breast and nipple are raised to some extent like milk ducts as well as the fat tissue start forming. Moreover, the areola also starts to increase.

o Then the breast begins to get larger. Normally this happens primarily in a conical shape, and afterward in a rounder shape. The areola starts to darken.

o In these early stages of breast expansion, it is the hormone estrogen which drives the growth, resulting fat to be deposited in breast, and milk ducts to develop. This is the moment for the largest development in size.

When the girl is in the menstruation period, the ovaries begin producing progesterone and that alter things. Progesterone results in the milk glands to grow at the ends of milk ducts. This growth reasons less noticeable development size-wise, however is very significant for the job.

Several however not all girls go during a stage where the aerola and the nipple generate a different mound from the real breast. In the duration of breast growth, you might experience some hurt and pain or softness in your breasts. This is very common. Furthermore, the skin might be itching, which is an indication that skin is stretching.

The entire procedure from breast bud stage till pubertal growth generally takes around 3-5 years, although for several girls it might take about ten years. After breast growth in puberty, breast is yet not considered to be fully developed; just pregnancy gets about the fullness of breast development and growth.

The breast development could begin as soon as eight years or as delayed as thirteen years. If the girl doesn’t have breast buds or pubic hair, which is the initial indications of puberty, it is suggested to visit a doctor by 14 years of age. If a girl does not get her menses by age 15, this is known as delayed puberty, and there are a number of possible reasons for it. It is suggested to see a doctor.

Although most of this growth is over in some years after getting your menses, a lot of girls get somewhat rounder as well as fuller breasts in their early 20’s. It is the era whey they get more feminine and mature look with “curves”, leaving skinny teen look behind.

Occasionally, the girl’s breasts keep increasing and keep developing past the typical growth time frame, and turn out to be very large which might cause sagging breast. This state where the breasts do not stop growing is known as juvenile gigantomastia and juvenile macromastia, also known as virginal hypertrophy of breasts. This lady might have suffered from it.

[ad_2]

Finance Management Corporate

Finance Management Corporate
Corporate finance management is a branch of finance that refers to the management of financial resources of a company. The main objective of corporate financing is to maximize the company value by making proper allocation of financial resources, along with taking care of the financial risks. Finance management focuses on analyzing the financial problems and devising the universal solutions, which are applicable to all kind of companies.

There are various topics, which are covered under the study of corporate finance such as working capital management, inventory management, debtor’s management, dividend policy, short term and long term financing and financial risk management. Each of the above mentioned subjects make use of different financial tools in deciding the allocation and management of resources among most competing opportunities. It is one of the highly discussed topics due to its own importance in growing economy of any country.

Finance management is an absolute necessity for all types of business organizations. Earlier it used to be the part of overall finance management of a firm. But, over the last one decade, it has emerges as a separate discipline altogether. Today, in both large and medium sizes corporations, there is a dedicated department involved in taking care of the corporate finance management of the company.

Professionals involved in this profession have the responsibility to maximize the company’s profit, shareholder’s wealth, capital budgeting and identifying the areas of financial resource allocation. Since, the areas involved in the discipline are critical and thus require special set of skills in the professionals for efficient handling of the job responsibility. One of the best ways to get into organizational financing is get enrolled into finance management courses, offered by various finance institutes across the country.

Courses in finance help the students to plan and act to resolve the whole conundrum of finance. The course curriculum of the finance courses includes a detailed study of different subjects like micro and macro economics, accountancy, personal and corporate finance, merchant banking, investment banking, financial markets and derivatives, the venture capital, mergers and acquisitions and many others. The detailed study of these subjects gives an overview to the students about the true picture of the industry. Finance courses are a gateway to enter into the world of corporate financing. The future in corporate financing is very bright and is likely to show tremendous growth for next few years to come ahead, which is a positive sign for the aspiring students.

Casual Teenage Boys Wear

[ad_1]

Are you conscious about the dressing of your teenage boy? Are you looking for casual and relaxed boys wear? Teenage boys wish to wear relaxed dresses that can let them play and roam around. Most of the boys do not like to go for shopping with their parents as they have developed their style and comfort; they desire dresses that are sporty and easy.

Most of the parents hope to shop for their teenage boys, but they forget to follow what their sons crave for. If you want to buy anything for a teenage boy, first know about his choice and opinion, give him some time and try to know him fully. I can bet you, more than 90 % boys will ask for casual wear rather than formal or restricted wears.

Teenage boys often go with trends; they simply like to follow it without recognizing it fully. Presenting themselves up-to-date and most stylish among the peers is the dream and trance of the new generation; they are in competition with one another and you simply cannot stop them. So, it is better to let them choose their dresses at this age.

If your son selects any dress that goes mainly with style, you need to consider if it is comfortable or not? Do not go for style only; make your son go for the comfort and ease factor when going for dressing; he will surely understand it. You need to give him models or simply ask him to try it and feel the comfort level. He will admit the actuality only when he will feel it by himself.

Try various styles and buy from more than one shop as it will leave a good impact on the traits of your teen. Try to follow diverse patterns in dressing as the same scheming will leave a boring impact. You must be vigilant about the colours and shades of the clothes of your son. Do not go for the same shades and tones; try unique but suitable colours. Make sure that you do not put odd or gauche colours for your son. You should have proper knowledge about the colours that are restricted to boys and girls as well. No parent would like to make fun of his son in front of others while wearing pink t-shirt.

You can buy online; there are ample websites that offer great packages and deals to the parents. They have experts that guide you in newest trends in unfussy wears; you can just sit with your son and select any wear for him. Most of the sites catch your interest by offering price series and colour selections.

Casual clothing is unlike the formal one; your son can try any style in it. You need to be with him just to guide him. Teenage boys get crazy about few and limited colours; here you need to tell the significance of other colours as well. Casual wear does not signify that you have the liberty to wear socks with sandals.

Teenage boys are fond of wearing hand bands and chains; accept the taste of your son. If you do not get time to shop with your son, ask your daughter to do this job for you, as it will be a good companionship for your son.

[ad_2]

Car Insurance Lead Script

[ad_1]

If you need to generate leads of people interested in getting updated car insurance rates, here is a script that works great. All of the verification questions are asked first to build trust with the prospect before asking for new information. Don’t over think your lead generation campaign, often the simplest processes yield the best results. Start off with a short greeting and explain the reason for the call within the first 30 seconds or risk losing the prospect’s attention. Verify first, ask for new information second. Use verification questions to build report with prospects before asking for new information. For example, “I show your address as…”, versus, “how much is your monthly auto insurance policy at the moment?”

Write out rebuttals that the telemarketer might need to handle common objections. Think of these as opportunities to give more information as well as steer the conversation back to generating a lead. Generating interest and doing some simple verification work should be the primary goal of each call. Don’t make the mistake of trying to pack too much into each call.

“Hi, may I speak with __________? Hi _________, this is AGENT NAME, I’m calling from XXX car insurance, I’m just calling to verify your information so we can provide you with updated auto insurance quotes, I show your name as NAME and your address as ADDRESS in CITY, STATE, and the zipcode is ZIPCODE I also have your email as EMAIL ADDRESS, is this correct?

Thank you, and what is your marital status? (single or married).

Are there any additional drivers we should include? (if yes get name, date of birth).

We understand people’s vehicles often change, so what vehicle do you currently insure? I just need the year, make and model.

Are there any additional vehicles? (if so need the year, make and model).

Are you currently a homeowner? (own/rent)

And who is your current car insurance company?

Thank you, and finally I have your date of birth listed as/what is your date of birth? (if not listed in contact info)

To make sure we can save you the most money we will have a local insurance agent contact you so that you receive the best rate and coverage possible. Thank you for your time and have a great day.”

Side Note: This script works great with a web-based lead form, you can quickly create a form that follows this format in Google Docs and will deliver results to an online spreadsheet that updates in real time.

[ad_2]

Asset Backed Securities Credit IO’s – Don’t Be A Slave To Your Data

[ad_1]

In this article I am going to address a common complaint that we’ve seen ABS investors have: that when they’re putting together systems, too much automation creates a “black box” which then doesn’t permit the user to adjust the data in the manner in which they see fit.

Let’s face it, traders are on the front lines evaluating complex securities such as ABS bonds and the more you can permit users to take the data and create useful models that don’t “lock them into a particular view” of what’s being traded, the better it will be. Most often, traders build their own spreadsheets and, in general, do a great job. However, the lack of ability to dynamically communicate with a database of securities information can cause a great deal of trouble in the ABS market, if only when the next month’s data set comes out from trustees and they find themselves scrambling to manually update their spreadsheets.

Additionally, IT departments blanche at the thought of those overly flexible, manipulable spreadsheets that defy “systemization”. In this article we will discuss a specific example and how to satisfy the needs of both areas: IT and the Trading Desk.

Let’s take up the subject of “Credit IO’s”.

Definition: A Credit IO is an ABS bond which is sufficiently far down in the Capital Structure of an ABS deal that, based on the level of collateral defaults and loss severities that the market is currently experiencing, cause an investor to NOT expect any payment of principal.

Assumption: the bond’s principal WILL be written down to zero at some point. The investor expects NOT to get any principal back. However, until that point, the bond can earn interest cash flows therefore it’s an “Interest Only” bond.

Key Factor: Loss timing. Between now and precisely WHEN the bond is fully written down, the bond will be earning interest. Those monthly cash flows are worth something. The faster the bond will be written down, the less interest cash will be received. The longer the bond exists, the longer the bond will receive cash flows. The trick is to figure out when the losses will hit the bond. The timing of the losses will therefore have a dramatic effect on the price that an investor should be willing to pay for the bond. Less time until the fully-written down point = lower price.

So let’s take a look at some of the elements relating to the data side of this. Here are some of the relevant points:

1. Delinquencies

2. Foreclosure and REO timelines

3. Loss Severities to be used in determining how much of each loan will be lost due to defaults.

4. Credit Enhancements levels – primarily overcollateralization (OC) and each tranche’s current level of credit support (how much of the capital structure is supporting the particular tranche(s) we are evaluating).

On a Bloomberg you can bring up a simplistic method of evaluating this by typing an ABS cusip followed by the Mortgage key (F3) and then typing “MTCS” . This gives you the ability to take the deal’s current level of 60 day and 90 day delinquencies and apply a particular percentage of each that you expect to go through to default. The amounts of loans in Foreclosure (FC) and Real Estate Owned (REO) are assumed to be 100% in default. So we have as an example:

Table % % that will default default amt

% of Deal 60+ Day Delinq 8% 60% 4.8%

% of Deal 90+ Day Delinq 5% 70% 3.5%

% of Deal in FC 3.5% 100% 3.5%

% of Deal in REO 2.5% 100% 2.5%

For a total of 14.3% that we expect to end up in full default and thereby experience a loss.

Sum those figures up (14.3%) and multiply by a single loss severity input and you will have the approx amount of the deal that you will experience as a loss. Let’s say we use 50% Loss Severity. That will give us 7.15% of the outstanding collateral balance in the deal that we expect to impact the deal’s capital structure in the form of losses. Compare that amount versus the particular bond’s credit support that you’re evaluating and if you have a ratio (called the “Coverage Ratio” on Bloomberg), that is less than 1.00, then that bond is likely to disappear completely because there is simply not enough support for the bond to survive. Anyone with access to a Bloomberg can do the above. The above doesn’t actually try to predict WHEN the losses will occur – only that they are expected to occur at some point in the future. It also does not let you consider future loans that are current on their mortgage payments or are 30 days delinquent that will come down the “pipeline” into the more severely delinquent states and finally into realized losses. It also doesn’t try to tell you what it all means in terms of a “price” that you might be willing to pay for the bond.

So let’s kick this up a notch.

Loan-Level Delinquency information

First of all, let’s assume that we have access to loan-level information and that we know, not only the current delinquency status of each loan but exactly when the loan entered that status. Intex provides good loan level data for deals from about 2006 and onwards. Loan Performance provides loan-level information for all deals – loan level information is generally what Loan Performance is known for (but they don’t have very good data about the capital structures nor can they do really good cash flows on the bonds as Intex does). The point is that loan-level delinquency information is available.

So let’s retrieve all the loans from a particular deal into a spreadsheet from our database of loan-level information. Ideally, this should be automated from within the spreadsheet so we can always refresh the data whenever we need to ensure that it is representative of the most current data in our database.

We now have our hands on which loans are in which delinquency condition. Now, if we simplistically project out maximum timelines that all the loans will experience in FC and REO before they hit their loss point, we can derive a table of months going forward and WHEN those losses will be experienced.

For example, we can state the following:

A. Let’s say that a loan has been in FC for two months already: Let’s permit 6 months for the total “normal” amount of time that a loan is going to be in FC so that there are expected to be 4 months more of FC time for this particular loan. Then permit 6 months more for the full REO process. This means that month 10 is WHEN we expect the loss to hit.

B. Let’s say that a loan is currently in REO and has been so for 4 months. Permitting 6 months of complete REO time suggests that we have 2 more months to go. So 2 months from now is when we think we will realize a loss on this loan.

C. Let’s say that a loan has just become 90 days delinquent for the first time. They’re probably going to be in FC real soon, but maybe we feel that we should allow an additional month of being 90 days delinq. So we would have 1 more month of 90 days delinquency. A full 6 months of FC and 6 months of REO so that we expect the loss to hit in month 13.

We can continue to do the above for 60 days delinq loans and 30 day delinq loans. And possibly take some current loans based on the idea that some of these will also hit the skids.

Let’s assume an overall “Loss Severity” of 60%. According to some market participants 60% is getting more and more real. This means that, given a loan amount of $100,000 you are expecting to lose $60,000. Apply the loss severity input to each of the loan balances and sum those loss amounts up into each of the months you have projected into the future.

The result is that you end up with a table of months into the future within which losses can be summed up – month by month. At that point we have a relatively simplistic table giving us WHEN we expect the losses to hit. These losses will be applied to the bond’s outstanding balance and will eventually “amortize” the bond’s principal, via write-downs, down to zero. At each month, you calculate what amount of interest the bond should receive. Then we apply the loss amount for that month and decrease the bond’s outstanding principal balance so that in the next month there will, of course, be less interest earned. We keep doing this until the bond’s balance has been written down to zero, at which point you’re not earning any more interest on the bond. At that point, the bond has disappeared. Then sum up the interest payments that you received during the time when the bond was still “alive” and you have the amount of cash you’re going to receive on this bond. Divide that by the principal currently outstanding on the bond and you have the price that might be indicative of what you would be willing to pay. Notice that this last sentence is disregarding the time value of money. It can be an enhancement to “present value” (PV) those interest cash flows and then sum up the PV-ed cash flows to get a more accurate price.

It should be noted that if there is any “OC” remaining at the bottom of the capital structure in the deal, you have to allocate the loss amounts to the OC first before they start to impact the bond you’re evaluating. Likewise if there are any bonds BELOW the one you’re evaluating, because of the fact that losses are allocated from the bottom of the capital structure upwards, then each of those bonds below your bond each have to be written down to zero before the loss amounts start to impact your particular bond. The point being that your spreadsheet application must retrieve all of the bonds and any OC BELOW your bond and apply the loss amounts to EACH of their principal outstanding amounts BEFORE the losses start to impact your particular bond. Of course, this means that ALL of the bonds below the one you’re evaluating are also, each one, a “Credit IO” bond.

A few other observations

I want to emphasize that decreasing the FC and REO timelines in the model will have the impact of decreasing the amount of time that the bonds will survive thereby decreasing the length of time that the bonds will earn interest resulting in a lower price that one would be willing to pay for the bond. Obviously, if you’re buying you want to pay as low as possible so underestimating time lines will help you. If you’re selling, you’ll probably want to consider that the time lines are longer so that you can sell it for a higher price. These are the normal competitive sort of interests in the market place.

The above represents a simplistic model but one which gives a much greater degree of flexibility than the Bloomberg MTCS function. Done correctly, it also permits the user to adjust the time lines and severities to ones which they feel comfortable with when evaluating “Credit IO’s”.

Also, by keeping all of the above factors in mind, the user/trader can still perform the analysis in the way that they see fits best for the environment they’re in. They’re not “locked” into a “black box” which they can’t see inside of. There are, of course, much more extensive features that can be built into such a model which are not within the scope of this article.

[ad_2]

Differences Between PB360D and PB360S Job-Site Radios

[ad_1]

I recently bought a Bosch PB360D Power box and this model is similar to the PB360S which is the standard version. I was asked many times what are the differences between the two models. Thus in answering the question, this article will discuss the differences. Well for a start the notation “D” represents the deluxe version of this well known job-site radio from Bosch.

However, I wish to highlight that there are many similarities between the two versions. Both are built to be heavy-duty job-site radios that can withstand the rough working site conditions and still provide a powerful 360 degree clear sound.

However there are differences between the two models which are not obvious and these differences are discussed below.

The most obvious difference is the control panel. In the PB360D, it has a backlit control panel while PB360S has a normal control panel without any backlit. The backlit has a light bluish tone enabling the display details to be seen in low light condition.

The second difference is the deluxe version has a built-in extra SIRIUS Satellite Dock. Thus one can plug in or dock one’s satellite radio and enjoy satellite radio broadcasting in addition to the built-in FM and AM radio.

The third difference is the types of power outlets. The PB360D and PB360S besides being job-site radios are also power boxes. That is one can plug in one’s power tools to the power outlet and runs from there. The power outlet found in PB360D is GFCi types while those in PB360S are the normal ones. The term GFCi stands for ground fault circuit interrupter which is a safety device. However there are no problems powering Bosch power tools with the power outlets of both models.

The final difference between the two models is the availability of a remote control. The deluxe version comes with a remote while the standard version has none. Well having or not having a remote is not a big deal. In my opinion, the remote may be easily lost in work sites as it is easily taken away.

Well the above are the main differences between the two models. Due to these differences, there is a difference in price too. The model PB360S costs about $180 while the deluxe model PB360D costs $100 dollars more. Both models are available and can be ordered online through online stores like Amazon.com.

[ad_2]

Sex Underwater – The Facts About Underwater Sex

[ad_1]

Under water sex sounds hot right? Two almost naked bodies glistening in the summer sun… A flirtatious splish, a friendly splash, your body weightlessly wrapped around his for an intimate kiss and some cheeky under water touching.

It is hot, and it’s definitely easy to get carried away with the motions of the ocean when the touching develops into bona fide bumping and grinding. But before you go grabbing your bikini and your man you may want to consider the following facts regarding your health and under water sex.

SEX IN THE WATER FACTS

1. Water does nothing but wash your natural lubrication away. Making under water sex awkward and uncomfortable.

2. Chlorinated or salt water are not ideal to get inside a woman. It will cause discomfort and irritation in such a sensitive area.

3. Sex underwater is difficult to practice safe sex. Even if you do manage to come prepared with protection, chlorinated or salt water do not mix with condoms.

Basically, if you want to stay healthy, comfortable and also actually enjoy the whole experience, sex in a pool, in the ocean, anal sex under water or basically any form of penetrative sex in the water is better left for dry ground.

SO WHAT IS UNDER WATER SEX GOOD FOR?

Foreplay! And lots of it! So we’re back at the beach, you’re feeling great in your bikini and he’s looking oh so hot in his swimmers. Let your mind get carried away with a little fantasy and enjoy your time together by letting the anticipation build. By not being able to have actual sex underwater (besides the innocent foreplay) you are both going to be crazy randy for it by the time you get back to dry land. Importantly your mind is going to be ready for sex and in turn your body is also going to be well on its way.

SEX IN A POOL

But for those who still want to experiment, you can try oral sex in the water. This is easiest in a spa or on the steps of a pool with you sitting on the edge to avoid chlorine getting in to your vagina. If you’re keen you can even try giving him a blow job under water, still by the safety and relative comfort by the side of the pool.

If you are super eager and are already very comfortable with regular anal sex, you can try for anal sex under water. Although it is possible to experiment with in a pool or spa, you will definitely still need ample amounts of a silicone-based lubricant. And although this lube is condom safe, and water resistant just be mindful that it is likely to cause a bit of a mess, and chlorine and anal sex under water will usually only result in one thing: Ring Sting!

All in all remember that sex in the water equals excellent foreplay. So enjoy your day at the beach or the pool, come out of the water and share a kiss, wrapped together in one big fluffy towel… then race home to your bedroom.

[ad_2]

Do You Really Love Your Job?

[ad_1]

When you are too long in the same workplace, you may have lost your passion for your job. Here are some symptoms which show that you don’t love your job anymore. You may start complaining about your workload. You may even start to “hate’ your employer. There are many things you don’t like about your company, such as company policies, medical benefits, remuneration package, working environment, etc. You may not agree with me. But let’s read on.

Many people say that they love their jobs, but sometimes they don’t show it. They don’t show their commitment and they don’t take accountability. For those fresh graduates, at the initial stage, they could not do enough for their jobs. They might strive hard to achieve their employers’ expectations. However, when they have reached certain level, they start to take their jobs for granted. They just treat their jobs as a “vehicle” for them to generate income.

In common, most of the working adults go through this process. When they were courting their jobs, they talked all things nice about what they were doing and they promised their commitment to it. However, when the duration is too long, they have nothing but they keep complaining about their jobs. They even threaten their bosses to leave their jobs! Some of them make resignation as a tool to request for salary increment.

They don’t realize that their jobs can work wonders. They don’t know that their jobs can change their entire life. In fact, their jobs provide great satisfaction in their life but they are not aware of it. May be when their jobs have gone, then only they will start appreciating their work. They have forgotten that their jobs are responsible for the food on their table, the clothes they wear and for the welfare of their home sweet home.

Having positive mindset from time to time is important no matter how many years you are in the workplace. Even we are from different industries and different lines, we need to cherish our jobs. We get paid by our employers every month for our services. Hence, we need to provide the best to our organizations. Our contribution is essential in assisting the organizations to achieve great success. In return, we are rewarded. We gain financial stability.

I hope you will always remember this statement. “Take good care of your job and it will take good care of you”.

[ad_2]

Using Employment Sites in Your Job Search

[ad_1]

Employment Site Job Search Resources

Employment web sites have been the greatest advance in the field of recruiting

since the creation of the resume. Since their first appearance on the World Wide

Web, job boards and career portals have connected more organizations to more

talent more efficiently than any other single medium in existence. Both employers

and recruiters now consider these sites a critical component of their sourcing and

recruiting strategy. Today, job boards and career portals serve virtually every

profession, craft and trade, in every industry, in every country of the world.

Employment Site Services & Features

Access to employment opportunities and job postings in your hometown and around

the world.

Private, automated notification by e-mail or RSS/XML of job openings that match

your employment objective.

Information about effective job search techniques.

Resources for a successful job search, such as resume writing assistance,

interviewing advice, salary and compensation information.

Links to additional job search and career management resources at other

sites.

Skills for effective career self-management.

Resume databases to announce your availability to potential employers and

recruiters

Selecting Employment Sites

With so many career related sites to choose from you really must find a way to

narrow your focus. Most people check out the big Employment Super Sites, like

Monster, Hot Jobs and CareerBuilder. But, they are not the only, or even always

the best, place to look. Smaller, more focused sites can often be much more useful

to you.

Specialized Industry or Occupation Employment Sites

These specialized sites focus on a specific niche, usually an industry,

profession, or a combination of both. These sites are highly targeted toward

the professionals of the specific industry it serves. The specialization means

the site is smaller, fewer jobs and fewer resumes and less competition for

the posted jobs.

Some employers will only use these sites because they are usually less

expensive than the Super Sites and their job postings don’t get lost in the

postings from other companies.

Regional and Local Employment Sites

There are also local and regional job sites that can be effective in finding a

job in a specific location. Again, many of these sites include listings from

local employers who may not be inclined to post on the major jobs sites.

These sites focus on a specific geographic area, usually a city or state.

The upside on these is that the jobs should be located where you

want to work. The downside is that there may not be thousands of jobs listed.

Local and regional employers don’t always post on the major jobs sites

like Monster or Hot Jobs. Instead, they will advertise on their local employment

site to avoid being overwhelmed with applicants and, often, because they

are not interested in paying relocation costs.

Visiting a Super Site such as Monster and using the location filter, for example,

Dallas, Texas will not result in the same results you get from using TexasJobs

and using Dallas as your search criteria. Even if you are conducting a national

job search it is worth visiting the regional and local sites.

Tips for Your Job Search

Most online job seekers concentrate all their efforts on the large,

well known commercial job search sites. The smaller specialized or regional

sites are often underutilized because they are difficult to find using traditional

search engines and they don’t spend millions on advertising. Since these smaller

sites are underutilized, the sophisticated manager, professional or executive job

seeker will take full advantage of these specialized resources.

Use the Job Search Site Directory(s) to locate all of the sites that could be

useful in your job search. Concentrate your efforts on locating the sites

specific to your industry, occupation and target location. Don’t focus on

the large job sites. Investigate the jobs and resources available on the specialized sites for

immediate use or for future reference.

[ad_2]

Technician Etiquette

[ad_1]

Have you ever arrived at a job to make a repair, only to have the customer rant and rave for 15 minutes about the last technician or company that was there, and how they screwed the system all up? Who hasn’t, right?

So what do you do? LISTEN. That’s all they want, someone to listen to them. Let them vent, and get it off of their chest. When they pause for breath, they’re usually done. Don’t disagree or argue with them, or you will give them another shot of adrenaline, and off they go again. You will always lose in an argument with your customer, no matter who is right.

If they are bad-mouthing another company, don’t agree with them either. You are not there to pass judgment on anyone else. If you talk down about another company, the customer will think badly of you, too.

I know, you’re just there to get the job done, and move on to the next one. But half of your job, as a service tech, is PR work. You are the person that the customer deals with on a face-to-face basis. When he/she talks to anyone in your company on the phone, it’s your face they see in their mind.

You are not there to blame others. You are not there to accept blame for the problem, either. However, it is okay to apologize for the problem. “Wow, sir, I’m really sorry this happened to you.” You’re not admitting that it’s your fault, but you are showing that you care that this happened to him. Your next line to say is, “Let me see what I can do to take care of this for you”. Now, he feels that you are on his side, and will probably leave you alone to do what you have to do.

Don’t be afraid to admit when you’re in over your head, either. Your customer will understand and appreciate your service more if you say to him, “This is a little beyond me, but I’m calling (another tech/my supervisor/tech support), and we’ll do what we can to get this fixed”. If you don’t know the answer, at least know where to turn for it. That’s what will make you a good tech. And, don’t ever say, “That’s not my job”. You’ve just slammed a door in the customer’s face. Prepare for tongue-lashing number 2. A better answer would be: “That is usually handled by our (Billing/Service/Sales) department. Would you like me to (get them on the phone/give you the number/let them know)?”

Always be honest with your customer. It’s a lot easier to remember the truth, than it is to remember which lie you told to which customer the last time you were here.

I’ve always treated my customers as I would treat a friend. This doesn’t always work, though. Sometimes, it’s obvious that the customer doesn’t want another friend; they want a professional to take care of the repairs. You’ll just have to play it by ear.

Remember, if you don’t present yourself to the customer as a professional, they will:

  1. Wonder if you will be able to serve their needs.
  2. Tend to ignore any advice you offer.
  3. Pretty much give you a hard time, all the way around.
  4. Include your company’s name in their next tirade.

Don’t be part of the problem. Be part of the solution. The customer will remember that the next time he needs service. P.S. Probably the best thing I’ve ever heard upon arriving at a job is, “Oh, thank God you’re here. I know it’ll get fixed this time.” (Ouch. I think I just broke my arm!)

[ad_2]