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It is therefore commonsensical to put your best foot forward. Mass produced resumes do not work. You have to clearly understand this. It has to be tailored according to the descriptions of the particular job or employment you are applying for. It is therefore necessary to customize every resume or cover letter to the requirements of the company.
Always remember that your resume and cover letter are your primary supporting documents that will be able to convince employers that you are the one they are looking for. Nevertheless, despite of you being the best candidate, you would not be able to get the job unless your resume, cover letter and interview skills stand out. These would help you a great deal in selling yourself and negotiating with the best offer.
There are online printing websites that can help you build a professional and solid resume. The good thing here is you have the option to choose from among the many options online and customize it according to your requirements. You just have to input personal information in the pre-formatted layout and then you choose how you like the interplay of fonts and colors.
Some of the best online printing websites offer to take care of all aspects of resume writing. There are often unlimited versions of a resume outline provided, as well as ready-made cover letter formats that can be further edited and tailored down to tie in your best qualifications to the particular description of the employment you are applying for. There are even those that notify and remind you through emails of the things you need to do after sending your resume. One online printing website even reminds clients to make follow up calls|stickers
business management software Want to know how Mamut can help your business? Don’t just take our word for it, click on the case studies below to see how Mamut has helped our clients improve their business.
The Right Way to Process Debit Cards in Your Business?
As a merchant accepting plastic from your customers, you will take a mixture of actual credit cards and debit cards, also known as “check cards”. These two types of payment carry different costs to you as the merchant. This article will discuss the various ways to process debit cards. By regulation, a debit card can easily be differentiated from a credit card. It says so, right above the Visa or Mastercard hologram on the front of the card.
That information will help you process the debit card in the way cheapest for you. As a professional in the credit card processing business, I tend to pay a lot of attention when I am standing in lines to pay for things. Virtually 100% of the time, I see merchants process debit cards the wrong way. They take the card offered by the customer,look at it, and (no doubt seeing the word DEBIT above the hologram) ask the customer, “Debit or credit?” They let the customer decide if they, the merchant, are going to pay to accept the card as a credit card at a rate from 1.5% and up…or have the customer input their PIN into the PIN pad and process the sale for half of that cost.
If the merchant is lucky, they will have their merchant account set up with a bankcard processor that does give them a break on checkcard transactions (run as a credit card, no PIN entered). So they may pay 1.4%. But by getting the customer to process the transaction as a PIN-based debit, they will pay about 0.75% to accept that card. (Please note that all rates cited herein are approximate. Further, all transactions usually do have a “per transaction fee of 10, 20 or 30¢ in addition to the percentages quoted.)
So, bottom line, if the customer elects “Debit” and enters their PIN number into your keypad, your cost for processing that transaction is cut in half. You don’t have a PIN keypad? Contact your merchant account provider’s account executive. And shame on them for not having set you up with a keypad already.
“Debit or credit?” Don’t ask the customer anymore. If you see DEBIT on their card, swipe it as debit and hand them your keypad to enter their PIN. 99% of the time, they will do so without argument or question. I had a roommate who I would go shopping with, and when the clerk asked him, “Debit or credit?”, he always said “Credit”, because he had the mistaken belief that his bank charged him to use his card as debit, he was confused with withdrawing cash from non-bank ATM’s.
Some customers will select “Credit” because then the funds are not immediately withdrawn from their account, just put “on hold” for several days before being deducted. For my roommate, selecting “Credit” was a bad choice, because later that day he would go to an ATM, check his balance (waste of money) and withdraw cash that actually was supposed to remain in there to cover his “credit” purchases, and then he ended up with bounced checks and NSF fees for those credit transactions coming in and funds not being there.
So, overall, choosing “Debit” is better for the customer, and cheaper by far for you, the merchant. As the sale amount increases, your savings to process as debit versus credit will increase. Conversely, for higher-ticket items, consumers are more likely to want to finance them on an actual credit card, not have that transaction immediately deducted from their checking account.
Know the demographics of your customer base. If you are located in a lower income area, chances are that the majority of your customers do not have credit cards. They have their bank check card. Debit city.
One note: PIN debit transactions deduct the money from your customer’s checking account immediately. The transaction cannot be voided. If a refund is required, you must process with the Refund key on your terminal or POS software. Or give them the refund in cash, if you choose to do so.
Certain categories of businesses really do not use PIN debit. Restaurants, for example, traditionally take the customer’s card away from the customer for processing, so no PIN can be entered, although large restaurants have caught on to this missed savings and are now using wireless terminals to process payment at the diner’s table (see my related article). Hotels and car rental, and online, mail and telephone transactions cannot avail themselves of the savings for processing PIN debit sales. Contact your Account Executive to get properly set up to accept PIN debit sales.
James Hussher is a national Account Executive for a major bankcard processor, a registered merchant services provider (MSP) for Wells Fargo and JPMorgan Chase banks. Contact James at [http://creditcardmerchantnews.com] , a site James maintains to inform his credit card merchant clients.
Wherever you are in the USA, I offer a free analysis of your current merchant account statement. I will provide a report showing you exactly how much you are paying to accept cards in each tier, plus monthly fees; I will also propose the rates we can give you, for a clear side-by-side comparison.|affiches
Rapportive for Online Business
Any person who enjoys connecting with others online and off should always be on the lookout for great apps that could provide a better experience of interacting with other people. Rapportive.com is one such app, as it gives you a lot of information about your contacts right inside your Gmail inbox.
This tool is easy to set up, and best of all, it’s currently free. Simply go to Rapportive.com and then click install so it can be added to your browser. Right now, Rapportive is only supported in Firefox and Google Chrome, so if you’re not using any of those two browsers, you’ll be missing out on a great app.
Before installation, Rapportive gives you a warning that it will have access to your private data in Google Mail. According to their privacy policy, it only uses this data securely on your computer and their servers, so you don’t have to be afraid of third party services getting a hold of your private information.
The Rapportive sidebar
Once it’s installed, the next time you log in to Gmail, you will see the Rapportive sidebar. Click on the log in button, and then click allow to let the app access your data. Lastly, it will ask you whether to keep you logged in at Rapportive even when you’re signed out of Gmail, or to log you out whenever you log out of Gmail. Choose an option, and finally, you’ve finished setting up Rapportive.
Now, every time you open an email or chat with someone, information about the person you’re talking to appears on the right side of the page, effectively blocking the usual ads you see in your view. You typically see the other person’s avatar or picture, some information about him, and the social media sites he’s a member of.
Take note that the application can only pull up information about the other person on accounts where he uses the same email address as the one you have in your address book. This is typically not a problem as majority of the people seem to enjoy using only one email address for all of their online accounts.
Getting connected on other networks
What’s great about Rapportive is the fact that it immediately gives you some nice information about the person you’re chatting or emailing with, so it makes for an excellent conversation starter. You also get to see where the person has other accounts in, so you can consider adding them in other social media platforms such as Facebook, LinkedIn, Twitter and the like. And you even get status updates, which is a great way to keep up to date with what’s up with your contacts.
Establish rapport
The best thing about Rapportive is the fact that it helps you establish rapport with your contacts. Instead of trying to come up with something the two of you can both relate with to talk about, you can simply see the information the application pulls up, and so you immediately have a good starting point for your chat.
And you can even create notes for each contact you talk to, an excellent way to keep track of useful information such as events, meetings or occasions. Finally, the Google ads you normally see can be replaced by something to help you connect with others.
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