What Questions to Ask the Employer during the Job Interview?
Question: Hi, I have a job interview next week, and I desperately want the job for various personal reasons. I understand its important to have a good positive discussion with the employer during the interview. What questions can you ask the employer during the job interview?
My job interview is for role of Manager of the Tech department of a local office store. I know they are going to ask me if I have any questions. What are the good things to ask them? And what should I avoid asking? Is it good to ask about opportunity for advancement, and/or getting raises, and/or benefits, and/or overtime?
Answer: You surely want to find out if the job is right for you. Here is a list of questions you should ask:
- What do you expect from a manager of the tech department?
- With whom would I be working with?
- What are the performance measurement criteria on the job?
- Who was the last person doing this job?
- What are the career growth opportunities?
- When do you expect to make a decision about the position?
You can also ask about the general policy for taking time off. It’s an important thing to know if you have kids.
Insurance & Financial Services Sales Job Interview Questions
Filed under: Employment, Insurance, Money & Finance, Sales & Marketing
Question: Hello, I have managed to get an interview for an insurance and financial services sales position, and now I want your help! New York Life, Prudential and Metlife want to interview me, but I don’t have financial experience. Can you please tell what kind of questions will be asked?
Answer: That’s good news. Here is a list of basic questions they will surely ask you:
• Have you ever been in sales before? If so, what was your closing ratio?
• What do you know about our company/products/industry?
• What is the most difficult problem you have ever solved?
• Explain a time when you have worked effectively under pressure.
• Explain something that you have attempted and failed. What did you do next?
• How do you feel that your personal or academic background fits with the position that you are seeking?
• What do you believe will be the biggest challenges of this position?
All the best!
Mistakes On Your Credit Report: How To Dispute Them?
Question: My credit reporting company has made a mistake on my credit report, and due to that mistake, suddenly I am not able to get the student loan from the bank which had agreed in principle till now. This student loan is much needed for my MBA program this year (at an ivy league b-school). As you probably know, this year banks seem to be using every opportunity to deny loans. Please help!
Answer: You can surely dispute mistakes on your credit report. Under the Federal Credit Reporting Act (FCRA), both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider.
Step One
Tell the consumer credit reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request for its removal or correction. You can enclose a copy of your report with the items in question circled. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.
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How to get Small Business Financing?
Filed under: Banking, Business, Employment, Money & Finance
Question: Can you please help me with any information regarding small business financing? I am trying to buy a franchise with a friend and my husband. We have a 4 year old bankruptcy and are looking for less than $75,000 to open. The problem is there are no tangible assets in the type of service business we are are planning to open. Are there any suggestions of lenders that may be willing to loan or a direction that we should go toward? Any suggestions are greatly appreciated. I am based in Michigan, USA. Thanks.
Answer: Since your question is specific in terms of investment needed and the kind of business you are getting into, here’s a source that may be able to point you in the right direction. And if you do decide to open this or any other business, they can provide useful info on how to do so.
Service Corps of Retired Executives (SCORE): A national organization sponsored by the Small Business Administration (SBA) of over 13,000 volunteer business executives who provide free counseling, workshops and seminars to prospective and existing small business people. There are 389 chapters nationwide. For more information, call them at 1-800-634-0245 or visit their web site at: http://www.score.org
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What is the difference between studying business, finance and accounting?
Question: What is the difference between studying business, finance and accounting?
Answer: Accounting is practice of tracking a business’s income and expenses and using those figures to evaluate its financial status which involves keeping a record of all financial transactions and then preparing financial statements such as balance sheets, income statements, cash flow statements, tax plans, etc. A basic understanding of Accounting is a must to be successful in understanding financial statements, and in being a business leader.
Study of finance teaches how to efficiently manage, and leverage, the financial resources (capital, illiquid assets like real estate, machines, etc), and to know analyze business risks vs returns. Furthermore, by studying finance, you will learn how to invest and how to raise money, and analyze the performance of investments and loans.
Study of business is a combination of accounting, economics, finance, marketing, legal/contracts, and organizational behavior. It enables you to understand all aspects of a business, which is essential for business success. You will learn from many real-life case studies about how business problems were solved.
Reference: GSIBM.com (Graham School of Investing and Business Management)
How to get a Finance job?
Question: I am a Finance graduate with bachelors degree in Finance. What kind of jobs can I get and what are my chances to get a job soon? I can work in different countries, including New York, London, and Mumbai.
Answer: These are difficult times to get new jobs in finance area because so many experienced people are jobless, and there is a lot of supply compared to less demand.
Finance is a vast field. Please identify what topics/areas within finance interest you the most, and try to approach companies as a motivated and competent person, who is willing to work at a low salary. That’s your best chance if you want employment.
You can also try for Banking jobs, especially in the Risk Management divisions, which I believe are still having budgets to increase their activity.
If you want to be in investments, then you should try to make 1-2 profitable investments, and show their proof to potential employers. Let the numbers speak. Follow the financial markets like you would do when you are actually working for a company or for clients. And that practice will help you to convert good opportunities when they arise.
Reference: AlphaNeuron.com
Beware: Don’t Send Money Through Western Union To Chinese Suppliers!
Filed under: Business, Employment, Internet, Money & Finance, People, Sales & Marketing, Uncategorized, electronics
Question: I have found an electronic product (Laptop) that a Chinese company is selling on Alibaba.com. They are not accepting PayPal and want payment by Western Union. Is it safe?
Answer: No. It is not safe! Please dump this seller ASAP because it is most likely fraud. A vast majority of Chinese companies operating on Alibaba (and other such sites) are fraud. We have learned this from first hand experience. They are waiting to steal your money, and Western Union is the best way for them because they can vanish after receiving your money.
While we can’t blame Western Union entirely for it, we think that Western Union does not mind such fraud. Otherwise, why do they allow people/companies to operate accounts from China even after their names are listed as scam all over the web?
So yes, it is very risky if you are sending money to people that you do not know. With Western Union, there is no way to guarantee that the receiver will send you the good.
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Key points on US Bankruptcy Law
Question: Can you please guide me on the Bankruptcy Law in the USA? What are the key points to keep in mind? And what is Chapter 13 bankruptcy? Thanks. – Chang from Mountain View, CA. 
Answer: The new bankruptcy law is tougher that the old one of 1978. It tightens the requirements of those who are filing for bankruptcy and for the attorneys that are helping them.
Under the new bankruptcy law, several major changes were initiated. Here are some key points:
- There is now a “Means Test” that is used so that you can show that you are not abusing the use of bankruptcy. Herein your monthly income is considered, minus certain expenses that are allowed. If you come out above the “median income” you will have to file for Chapter 13 bankruptcy.
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