Traits And Skills of Bank Customer Service

Customer service is one of the most important parts of mobile banking. Banks are actually service based kind of business so many of the activities involve service elements. They do sell financial and banking products, but the tangible product is very little. The service manager's deal with service issues directly, but there are some jobs that have to do with service.

Tellers

One element of service at the bank is the helpfulness and friendliness offered by the service employees who are tellers. They are the banks face, according to regular customers. These are people whom visitors interact with when checking transactions. Service oriented people affect the customer service reputation and performance.

The personal bankers

There are customers whose banking needs are more involving and they need personal bankers. The bankers meet with customers when setting up accounts or getting information regarding products offered by the bank. There are many issues that such people handle including transaction errors and unexpected bank fees. The banks often have customer service managers that deal with very many customer service concerns.

Loans

The finance and loans side of a bank have different customer service situations. This is where you find the mortgage consultants who tell customers about refinance and new loan options and aid them with applications. When the loan is approved, the loans division communicates with the client regarding the paperwork required. They are updated in loan status. Loan payment and any servicing questions are also answered here.

Self-service

Another part where the customer service of the bank is assessed is the self-service tools. Customers concentrate with the efficiency of banking more than in-bank experience that is personalized. The online banking tools that include moving money and paying bills are a good example. Mobile banking and ATMs are the additional options where banks offer the self-service opportunities.

Most banks will have a fixed customer service number that can be used 24 hours in a day and 7 days a week. When you select telephone banking, you can pay bills, transfer money and gain access to accounts easily and quickly. The other thing is the fact that you can make an application for a credit card or a loan over the phone. You may need a code to use some numbers, but this depends on the bank in question. One can also choose to communicate with a bank using a postal address.

Most banks today have a way to allow people with speech or hearing difficulty to use telephone banking. As such, an electronic typewriter is linked to the system and this allows anyone with such a difficulty to send and receive messages that deal with the issue present.

For bank customer service, there are a series of numbers that you can call for specific queries. In some cases, you will have a single business number to call. After the nature of your question has been established, you will be redirected to a person who is capable of handling the matter.

Building A Garage In 3 Steps

You do not need to be a journeyman carpenter to build a garage. If you understand basic construction techniques and are not afraid to get dirty, building a garage is definitely possible for the ambitious homeowner. Following these 3 important steps will put you on the right path to getting the job done right.

1. Determine Garage Type And Size Requirements
The first step is to determine the type of garage you need. Will it be attached-connected to the home, or detached-set away from the home? Do you need a one-car garage, a two-car garage, or perhaps three? Will you need extra door height for a large truck or motor home? What about storage? How much more space will be needed for shelving? Will you be using the garage as a workshop? If so, what equipment and machines will you need space for? These are just a few of the questions that need answered in the first step.

2. Obtain Plans For A Garage
Once you have determined the type and size requirements of your new garage, you will need a set of quality plans for a garage. That can be done three different ways; draw them yourself, pay an Architect or Engineer for a custom drawn set or purchase a pre-drawn set. The benefit of a pre-drawn set is you will be provided with a complete list of materials for your project. This list will be extremely beneficial to you for keeping your job within budget. Should you decide to pay someone to build your garage, providing a contractor with accurate plans and a material take off list that will make his job much easier.

3. Apply For Zoning and Building Permits
Now that you have determined your needs and obtain the right drawings, it is time to apply for local Zoning and Building permits. The more information you provide with the applications, the easier it will be for the Zoning officer and building official to make a determination on your new garage. If you live in a neighborhood that has a Home Owner's Association, you'll also need to check with the association to make sure your garage falls within the HOA regulations.

If You Learn Magic Tricks Online You Will Meet Like Minded Friends

If you decide to start learning magic tricks online, you are going to quickly find others who will come in with resources you will find handy. When you want to learn about certain trick, the Internet may be the best source for it for you to quickly get on the road to become the magician you have always been dreaming about becoming.

Before you get bogged down by any special details, do your homework and study your various options about learning magic tricks online. You may not know right off the bat what's really out there and just how you may be able to get into the proper learning curve. So do study what's available before making up your mind as to what to actually get into.

Learning may be age related. In other words, there may be programs for children. If you are a child, you will want to get with such a program and so keep from becoming frustrated by going in over your head. But if you are an adult, you are going to want a course of study for magic tricks online suitable to you.

The thing about learning this online is that communities of learning can easily be formed. This can bring about what may be something like study groups that can make things a lot easier for one and all. You can exchange tips with others and you can learn more quickly what to do in this way.

If you are at a point when signing up for an online course is imminent, the thing to do is to check out the instructor and their qualifications for teaching the course. If you feel comfortable with your would-be instructor, by all means get the ball rolling and sign on. Or look for someone you may feel more at home with.

As you start learning it online, you are bound the discover whenever you are meant to be a magician. This is more than just liking a magic show. There is more to becoming a magician than meets the eye. But if you find that this is something you have a flair for, you are soon going to dazzle people with all you have learned.

Better Options for Junk Car Owners

There are several advantages of owning a junk car that many people have never considered. To most, junk vehicles are garbage that no one wants to deal with or buy. Instead, a junk car can actually be a great treasure! One of the greatest opportunities for junk car owners is being able to discover different ways on how to discard or get rid of a junk car in their garage or driveway.

For example, there are various constituents in vehicles that can be recycled and reused in countless ways. This option is the most recommended; however, there are many other fun ways to reuse a scrap vehicle. Continue reading to learn a few ideas, tips, and fun ways to put a junk car to good use once and for all!

Selling Junk Cars for Cash

One of the most obvious reasons people want to get rid of a junk car is for convenience; however, a more common reason is for sheer profitability. A person can sell a junk vehicle for cash, or disassemble the parts and sell them piece by piece for a higher profit. There are so many salvageable parts on a scrap car, that a person can sell these parts for cash and make more money than selling the car as a whole.

There are several options when it comes to selling a junk car for cash. Depending on the status and conditional state of the vehicle, the cash value with always vary. The better condition the car is in, the more money it is worth. Also, if a car still retains the valuable components, such as a converter converter and engine, then it is worth even more.

The best place to start if you wish to sell a junk car for cash is a scrap metal yard. Scrap metal companies buy junk vehicles and break them down into more valuable parts. They retain the appropriate equipment, machinery, and tools to quickly disassemble a car and recycle the metal that is inside.

You can make more money at these scrap yards if you take apart the junk vehicle yourself, then sell each individual component for cash. The reason you will get less money for a whole junk car is that the company has to use time and effort to strip down a vehicle themselves.

Scrap metal yards will certainly give you a higher cash return for your junk vehicle than a regular person who's found your ad in the paper. Scrap metal companies know and understand the worth of certain metals with automobiles and retain the taxes to purchase large inventories of scrap vehicles for recycling purposes.

They also make the process easier for the client because they generally offer pickup and towing services for free. This way you do not even have to leave your house to sell a junk car to a scrap metal recycling company.

Before selling your old vehicle to one of these businesses, it is recommended to become familiar with the types of valuable metals found within your car so that you are more aware of the potential cash return you are entitled to receive.

Types of Recyclable Metals Found in Vehicles

There are two types of metals, ferrous and nonferrous. Ferrous metals are not as valuable as nonferrous metals, but are still high in demand and can be recycled and reused in various ways. It is still a very beneficial metal in the world. Ferrous metal is any alloy that contains iron. This includes cast iron, stainless steel, carbon steel, wrought iron, and other steel and iron alloys.

Nonferrous metals are higher in value and include alloys such as aluminum, copper, brass, silver, lead, and more. The best way to determine whether or not a metal is ferrous or nonferrous is by using a magnet. If the magnet sticks to the metal, then it is ferrous. If it does not stick, it is either nonferrous metal or not metal at all.

Precious metals are even more valuable; such as platinum, bismuth, zirconium, cobalt, and gold. Some of these precious and nonferrous metals can be found in junk automobiles. Cars have many parts within them that contain valuable nonferrous metals. For example, a catalytic converter is made of platinum, a very precious nonferrous metal. If a junk car still keeps this part, it can be worth a lot more money. Also, copper radiators are a valuable item. Contact a local junk car buyer for current market values ​​for metal and automotive parts.

Additional Uses

One great option is to simply keep your old car in case you need to replace a worn-out part in your current vehicle. Using old car parts as spare or backup parts is a great way to save money and be resourceful at the same time! Buying new car parts can be costly and time consuming. Using a spare part saves cash so long as you can find a person to install it for a fair price. This is a great way to put your old car to use while saving money too.

Another option for old junk vehicles is to use them for art or other fun commodities. Many artistic people like to take regular items and turn them into fun and useful things. For example, old car parts can be manufactured to form beautiful modern and creative art, or even refurbished into household items like towel racks and mantles.

Overall, junk cars have many uses and should never be broken off as a waste of space or trash. Recycling, earning money, creative art, and more are just the beginning of what a junk car can do for you and others! If you own a junk vehicle, consider some of these ideas and spread the word so everyone can make a little cash and contribute to the environment at the same time!

10 Often Overlooked, But Easy-To-Implement, Marketing Tools!

I've been approached by many entrepreneurs over the years who want to know if there is an ad piece that will magically get people to call and book jobs.

Sadly, there is not. But, what I'm about to share with you might just be the lifesaving system you need to pump profits back into your business.

It's not complicated to do. In fact, it could have considered more common sense than magical ... I call it "Back to Basics".

I'd like to share with you 10 often overlooked, yet easy-to-implement ways to increase sales, create happy clients and get a ton of referrals.

'Thank You' cards - Very essential ... use them! After each sale, as long as you have captured their contact information, send them a personal hand-written "Thank You" card.

A follow-up call - Do it! Call the client and make sure they are happy with the product or service. Objections can be handled right away and you have the opportunity to show the customer you truly care about them.

Reminder cards - Do them, too! You determine the frequency, but I would suggest at least three times a year. They do not have to be a sales pitch ... but they should remind the client you are available to help them.

E-mail marketing - It's essential that you keep open the lines of communication with your clients. An e-mail is quick, easy and affordable. You can use a service to schedule the times and dates your e-mails are sent.

Social media - Make it a priority. Facebook, Twitter, Buzz, LinkedIn, Plaxo, MySpace and the host of other sites make it so easy to promote your business that I find it unbelievable some companies have not taken advantage of them yet.

Newsletters - Staying in constant contact with clients is key to growing your business. A newsletter, if done right, can build trust and make you the "go-to" expert in your field.

References - Ask for them. Getting referrals is essential to growing your business. The easiest way to get referrals is to simply ask for them. If you deliver a great service, people are more than willing to share a few names with you.

Testimonials - Mail, e-mail or hand deliver a survey to your customers where they can tell you how they felt about your service. Use the testimonials in your ads, website and other marketing to build credibility and show potential customers what people are saying about your service.

Brag book - Create one. A brag book is way to show off your work. You can include your testimonials and pictures of your products, services and customers.

A money-back guarantee - Every company should have one. A guarantee tells the client that you are willing to back up your product or service and put your own butt on the line. Having a guarantee gives the client peace of mind.

If you are not doing these things ... start today. If you're only doing some of them ... then ask yourself why you are not doing them all.

When you institute a "back to the basics" approach, you'll discover that your clients will be happier with your service, you'll receive more referrals, and your sales will increase.

Used Auto Warranty-Questions & Answers

A used auto warranty will come in handy if you have a used car and it has many miles and starts showing signs of wear and tear. Many companies will give you a free quote for your car on an extended auto warranty and you will know pretty quickly if the warranty makes financial sense or not. Many people are not aware of the fact that you can get a used auto warranty for their car but they come in handy for people who prefer a fixed budget for repairs as opposed to having to pay a large sum when breakdowns happen. In this article we will take a look at 3 questions that people have about an extended auto warranty.

Used Auto Warranty-How do I file a claim?

When you have a breakdown than the warranty company will have it towed to a repair shop and you present the warranty to the shop. The shop will then call the warranty company after it has diagnosed the problem and let them know what is wrong with the car and the cost. The warranty company will then authorize the repairs and have the car fixed. You really do not to do much in the way of getting the claim going it usually is handled by the mechanic and the warranty company.

Used Auto Warranty-What extended warranties are available?

The most common warranty is for a power train warranty, which basically is 29 parts of the car that the oil flows through. These parts are typically the most expensive to repair so you will want to make sure that you get this coverage for you car. You can also choice other options if they make sense for you and the more you choice the higher the price will be.

Used Auto Warranty-Can I get an extended warranty from another company other than the manufacturer?

Yes, there are many companies that offer extended warranties for your car and it is all that they do so you can typically look to save up to 60%. There are a lot of companies that will get you a quote and a policy on an extended warranty so you should shop your options around to make sure that you are getting the best deal.

If you are considering a used auto warranty than make sure that you are getting the best deal for your money. An extended warranty will give you peace of mind knowing that if your car breaks down than you will be covered. It can also help you set up a budget so you are not responsible for large repair bills.

Working For Money Instead Of Freedom

Once again, this past Sunday in the Los Angeles Times Business section, there was a story featuring the latest Southern Californian who has been out of a job for a long time. While shocking, it always puzzles me to read these stories, as it's quite appropriate that these people have no interest in their own freedom.

This time, it was a 47-year old woman who was apparently an amazing insurance salesperson. After being downsized, she decided to take a few months off before looking for work again. She figured that because she was so good at what she did (especially with her experience), she'd be able to find another job without a problem. Those "off" months passed and she re-entered the job search. Almost 2 years later, she's still without a job. And that's after also applying for menial jobs.

When I first read this, I felt incredibly. First of all, how amazing could she have been if she was laid off? How could this woman not realize how bad the job market was (is)? How could she have such a big ego to think that she could take a few months off because her skills were so good? And how in the world could she miss just how successful she could be owning her own network marketing business ??

Fundamentally, this woman is incapacitated of doing anything else except choosing to be poor. Why? Her values ​​are such that she must have a steady paycheck from an employer, where she can have promotions, bonuses, etc. She values ​​security and money over her own freedom. What she's found out the hard way is that there is no security anymore as an employee. She worked so hard and developed skills, and for what? So she can apply for a job at Costco at 47 years of age?

If she valued her freedom, she could easily succeed with a network marketing business - especially with Infinity Downline. Instead of spending her time working hard for money, she could be working hard for herself, building a business that would create steady passive income for her for life . This is the true power of network marketing businesses.

What most people tend to miss when they hear terms like MLM, direct selling, and network marketing, is the power of passive income. Ads for MLM programs tend to emphasize how much money you can make every month, but the numbers tend to be so high that few people can believe it.

The truth is that those numbers are in fact real (5-figure salary per month ) (and it takes WORK to get there), but that's missing the point. Building a business allows you to build your own security. Who needs a 401k plan if you're making 5-figures a month doing nothing?

Back to the woman, if she invested her time building a business online with Infinity Downline, where she'd only have to pay $ 25 to join (and $ 25 a month to continue), get 100% commissions on her sales, and learn a new skill (internet marketing), she could easily be making her old salary within a year, if not sooner. Especially with a background in sales, this woman's success would most likely happen much sooner than she'd imagine.

But unfortunately, she will not get involved and will miss this opportunity for one big reason - her values ​​are not geared towards that of freedom; she values ​​money and security over all else.

Which would you choose? (Poor) Giving your work working life (40+ years !) Over to various companies? (Rich) or giving 4 years to a network marketing business, leaving the rest for yourself and your family?

I say, make the rich choice.