Archive for April, 2013

04.8
13

How Will Bankruptcy Affect Employment Opportunities

by como ·

Can an employer choose not to hire you based on a bankruptcy filing? While you should certainly be sure you contact an attorney before filing Chapter 7 or chapter 13 bankruptcy, here is a concise overview.

No. Based on the Bankruptcy Act and Fair Credit Reporting Act, it is illegal for an employer not to hire you based on a past bankruptcy. However, many companies do pull a credit report in the later stages of the hiring process, and may use the information found there as part of their final decision. This is especially likely if you are applying for a job that can affect the company financially (accounting, payroll, etc.). While a bankruptcy alone is unlikely to prevent you from getting a job, poor credit preceding bankruptcy may be used as a determining factor that sets another candidate just a little bit ahead of you and helps the hiring company make a final decision to go with someone else.

How to Avoid This:

Honesty is the best policy: Before a company can pull your credit report, they need your permission. When presented with the waiver, ask the specifics of the background check. Will a credit report be included? If so, you should mention what a potential employer is likely to find there – late payments, past bankruptcy filing, etc.

Go on the offensive: Give your potential employer a brief explanation of your bankruptcy situation. Explain the extenuating circumstances that brought you to bankruptcy (illness, loss of employment due to current economic conditions, divorce, etc.) and what you have done to rectify the situation since. You don’t need to go into great detail, just acknowledge the bankruptcy and leave the employer knowing that you take it seriously and are on the right track again.

Redirect: If appropriate, follow up the explanation of your bankruptcy with an example of how you learned from it and how that lesson can help you in the potential job. Or, redirect the conversation to one of your much strength that makes you a perfect candidate for the position.

Focus on the positive: If you have reached the credit reporting stage of the interview, you are most likely being seriously considered for the position. Remind your potential employer why you are a great fit for the open position, regardless of your personal credit history.

Finding employment after bankruptcy can be quite a challenge! Applicants applying for work in banking, retail merchandising, government, security, and outside sales have always been routinely screened by prospective employers to verify clean credit records, clear criminal background checks, and negative drug tests. However in recent years, extensive screening, including credit checks, has become the norm for increasingly more occupations. An individual may possess all of the qualifications, but if a Chapter 7 or 13 proceeding appears on the credit report, they may be denied the job. The Fair Credit Reporting Act requires consumer reporting agencies to divulge information (good or bad) about job applicants to business owners requesting it. Since Chapter 7 and 13 bankruptcies remain on a consumer’s report for as much as ten years, debtors with blemished financial records face real obstacles when seeking employment after bankruptcy. The best recourse is to inform interviewers regarding any discrepancies that might be found in credit reports or background checks before they discover them. Fortunately, some companies realize that bad things do happen to good people. They may choose to overlook negative financial histories and hire a bankrupt individual based on past work performance, experience, and professional qualifications.

04.7
13

Investment Banking Career Change Creating An Investment Banking Cover Letter That Gets You Noticed

by como ·

When it comes to your career, you may not be happy with what you are currently doing. Have you thought about an investment banking career change? It is one of the most lucrative and satisfying careers to choose and if you have the right help, you can find employment rather quickly.

Helpmegetajob provides that help. This website was created for people just like you that want to improve their quality of life with an investment banking career change. It is full of information and training resources to help you find just the perfect job in the investment banking world. You need this information so you can advertise yourself correctly. In todays investment banking, you must sell yourself to potential employers.

This site was created by investment bankers and financial experts that have over six years of experience. Over 100 people have found their way into investment banking with Helpmegetajob. Once of the best aspects of this site are the seminars offered by Marathon Financial. These seminars are designed especially for those people that want an investment banking career change. For example, one of the seminars will show you the top ten tips for getting hired into the highly paid investment banking job force. You will learn how to complete applications and how to have an interview that puts your name to the forefront of all applicants.

You will also find courses on personal development and even commodities. Despite all of the worlds economic problems, commodities are one area that is still recruiting people. You will learn how to design an investment banking cover letter that will introduce yourself to prospective employers in a way that makes them want to meet you. There are also seminars on how to create the right resume. Since a cover letter and a resume are often the first impression a prospective employer will get from you, its imperative that they are concise and perfectly formatted. Errors, any errors, can quickly cost you the job.

You will also find a terrific resources section that offers advice on cover letters, resumes, interviews, and important techniques to make sure you get the job offer, not another applicant. Listen to Al Pacinos Inspirational Speech to get you motivated for your upcoming investment banking career change. There is also a half hour video with Richard Branson, one of the wealthiest people in the world. Watch this incredible interview and see if you dont feel like you can accomplish anything.

Helpmegetajob also offers one-on-one coaching to see what improvements you can make on your way to an investment banking career change. They will offer advice on your investment banking cover letter and resume. With the Elite Investment Banking Coaching Programme, you will discover some things about yourself you didnt know, such as your strengths and weaknesses when it comes to landing that dream job.

If its time for you to make a change, then Helpmegetajob is the place to go. With its comprehensive services, youre sure to land that one investment banking job that is perfect for you. While it may not happen overnight, you can be fairly certain it will happen. Take charge of your life. Make the change over to investment banking. Years from now, you will be very happy you did.

04.1
13

The Development of E-marketing concept on Integrated Ceiling Industry

by como ·

With the popularity of network, e-marketing on integrated ceiling industry comes into being accordingly. According to the development of internet marketing concept, The Development of the E-marketing concept on Integrated Ceiling Industry can be divided into the following follow stages: Online display stage, group buying stage, integrated marketing, e-commerce. This article will present more details on each stage.

Online display stage: Household enterprise pay more attention on web design before the year 2005,. In this stage, Many enterprise just displayed their ceiling products on their websites, and nearly all the enterprise are only do business about bathroom heater and ventilator. The main function of the website in this stage is to promote corporate image and advise the products they sell. After 2005, Due to the networking groups grows intensified, few people with a keen sight started to pay attention to sell products on line. many household enterprise tends to advise on internet. They broadcast products such as fiberglass ceiling board, decorative plaster cornice , black fiberglass panel. Some companies who has no enterprise website start to budget on the building of website, and the budget of the enterprise turns from traditional media into internet advertisement.

Group buying stage: Integration ceiling distributors who are doing building materials products business are never thought to sell their products on internet. With the rapid development of e-marketing, more and more netizens want to buy building materials on internet. To meet the netizens’ demand for decoration materials (such as suspended ceiling materials), a new half-E-commerce model appears in integrated industry. Through network organization, people appointed a time and place to arrange the meet of sellers and buyers which is like the way catching a freak show in a country. In industry, enterprises called this as network group buying. This model of group buying was very popular in 2007-2009. Some company in the market focus on internet group buying business which brings profits to them.

integrated marketing stage: After 2006, the network has entered fast lane of development, the number of net citizens grows exponentially. From the year 2009, the ways on enterprise network marketing of integrated ceiling industry also presents different branches, such as blog marketing, BBS, network news marketing, search marketing, viral marketing. Enterprise network marketing also turned from pure advertising to a variety of integrated application of marketing methods. However, there is no business model of substantive changes, it is still only supports offline business.

E-commerce Stage E-commerce is a type of industry where buying and selling of product or service is conducted over electronic systems such as the Internet and other computer networks. With the emergency of e-commerce, household websites, enterprise, famous chain household manufacturers attach importance to household electricity commerce. A professional once pointed that household electricity commerce may be the last wave of electric business boom which suggest that there is a great profit space in this area while other other industry is saturated. All the integrated ceiling enterprises in the mall, start to build household enterprise network Marketing Department, and set personnel responsible for online sales and to develop network sales channels, these facts presents the household electronic commerce has come.