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ZHANG: Late Monday, Merrill Lynch announced a debt writedown of .7 billion and plans to raise .5 billion in capital. The news renewed investor concerns in Asia, and sent the markets tumbling. Merrill agreed to sell more than billion of collateralized debt obligations to an affiliate of a private equity fund for about 22 cents on the dollar. Singapore’s state-owned investment fund Temasek, meanwhile, pumped an additional 0 million into Merrill Lynch as part of Merrill’s capital-raising effort. Temasek had invested a total of billion in Merrill earlier, although Merrill shares have fallen by about half since then. But Korea Investment Corporation, South Korea’s sovereign wealth fund, has converted billion of preferred Merrill stock into common shares, more than two years ahead of schedule, in a move to cut losses from its first investment in a US bank. The continued financial woes weighed on Asian stocks. Investors worry that financial sector troubles will further undermine the global economy. Asia has already seen its own writedowns from credit-related losses, with Australian banks continuing to decline Tuesday.

Question by Alex M: Can i please have some Resume advice?
I’m fed up with retail….Aside from retail management am I qualified for anything else? I want to start looking for a new job but I don’t know if I would qualify for anything beyond retail =\ Any advice would be awesome!

Resume
~~~~~

Objective
To apply my knowledge and skills in a manner that will enhance the work environment of which I will be a part.

Education
Rutgers University, New Brunswick, NJ
Bachelor of the Arts in History; Minor in Anthropology May of 2008 GPA 3.0

Experience

Kmart, of
June 2008 – Present
Assistant Store Manager
Responsible for daily store operational functions
Part of a management team responsible for the leadership of over one hundred employees
Created several initiatives for our store which helped our mystery shop scores improve dramatically

The Home Depot, of – Part-Time
December 2005 – August 2006
Supervisor
An affiliate of the management team ; responsible for daily store operations and reconciled customer concerns and employee relations
Assisted customers with questions about credit card and loan products for home improvement
Ensured 100% Customer Satisfaction by providing excellent customer service

Regal Cinemas, of – Internship
September 2005 – December 2005
Associate Manager
Performed various retail tasks: placing orders, assembling displays, assisting customers with their needs, and instituting a high level of customer satisfaction
Worked with daily store finances, reports, and bank deposits
Member of the transition team responsible for the development of an innovative program to move the company into a new phase

Lowe’s Home Improvement, of – Part-Time
May 2004 – January 2005
Head Cashier
Supervised the work of cashiers on duty
Assisted managers with cash pulls of excess cash from registers
Worked at the Customer Service Desk, helping customers with an array of questions and problems including opening credit cards, placing special orders, and discussing financial aspects of their purchases

Skills
Excellent oral and verbal communication; Fluency in Spanish
Well structured time management and ability to multitask; Effective leadership qualities
Experience in MS Office (Word, Excel, Power Point) with Macs & PC’s

Organizations
Phi Sigma Kappa National Fraternity; Treasurer 2007-2008
Feed the Children 2005-2008
Habitat for Humanity 2005-2008

Best answer:

Answer by Christine
Well what was it you had in mind for a career when you chose a history major/ anthropology minor?

I would think being a part of Feed the children and Habitat for Humanity could get you into some sort of other field (along with your BA).
I would inflate that part of your resume and possibly cut back elsewhere.

What do you think? Answer below!

Question by beautiful: Is there something wrong with my resume?
My resume is currently on hotjobs.com and has been viewed several time but no one has contaced me. Please read over and tell me what i could do to make it better…….All contructive critisism welcome.

Experience
________________________________________
Netel/Agent Relations
November 2003 – December 2006Account Manager/Commissions Support Miami, FL
Began working for Netel in November of 2003 as a Customer Service/Sales Representative. While going above and beyond for our clients, upper management took notice and in April of 2004 promoted me to Trainer and Quality Assurance Monitor over our top producing project “Tel3Advantage.com”. Responsibilities consisted of training between 18-25 new customer service/sales representatives every two weeks for one quarter. Monitor, record and give daily feedback to all representative on my team. Developed call scripts for both our outbound and inbound projects. Assisted the Quality Assurance Supervisor with creating and updating training packets for both Customer Service and Sales Departments. During my position as a Trainer/QA, Upper Management again took notice at my leadership skills and excellent job performance and in February of 2005 I was promoted to The Agent Relations Department as the Account Manager and Commissions Support of all Projects. This position allowed me to oversee our Agent Program in addition to assisting with the day-to-day marketing and development of our Advantage Programs and all Affiliate Projects. Responsibilities also included but not limited to;

•Conferring with department heads in order to discuss possible new accounts and to outline new policies and sales promotion campaigns.
•Monitored and analyzed sales promotion results to determine cost effectiveness of promotion campaign.
•Structured and maintained a daily and monthly record of revenue of all private label projects
•Trained our Agents via conference calls on how to market online and offline.
•Reviewed reports and records of activities of our agent to ensure progress was being accomplished toward specified program objectives.
•Compiled commission and entered data computed processed and paid out commissions earned weekly.
•Reviewed commissions, computed and reconciled errors to ensure accuracy of commission payout.

AT&T Winback Program/Technion Communication Corp
June 2002 – October 2004AT&T Sales Representative Tamarac, FL
Called past AT&T customers and provided in depth on why they should return by offering a better long distance plan or a great incentive from AT&T. In addition, handled a high call volume of incoming calls from customers wanting to start a new local/long distance service or switch their existing service to AT&T. Analyzed credit information in order to determine risk of new customer and current customer calling in to switch or upgrade without an incentive code.

American Express
September 2001 – April 2002Credit Analyst Plantation, FL
Analyzed the spending and payment habits according to account holder’s tenure with American Express. Conducted over 300 calls per day (inbound/outbound) to investigate complaints, verify accuracy of charges, and to correct errors in accounts. Entered codes for computer program in order to generate ratios for use in evaluating card holder’s financial status.

Made informed decisions on whether to increase or decrease a card holders spending limit based on factors such as income growth/verification, payment history, and credit score. Offered advice and collected promises of payment on card holders with a history of late payments, consistent delinquency or always out of pattern.

Precision Response Corp
November 1999 – September 2001Account Support Rep Miami Lakes, FL
Provisioned AT&T Long Distance plans for new account holders. Reviewed delinquent account records to determine which customers will be contacted for collection of overdue accounts. Placed outbound call to existing customers and attempted to collect a payment or set up a payment plan for the past mount due. Updated any additional information needed. Kept record of collections and status of accounts.

Education
________________________________________
Miami Jackson Senior High
June 1995High School
High School Education Miami, FL

Objective
________________________________________
•TRAINER
•ACCOUNT MANAGER
•ADMINISTRATIVE ASSISTANT
•SALES/CUSTOMER SERVICE MANAGER
•QUALITY ASSURANCE MONITOR
•FACILITATOR

Highlights
________________________________________
•Expert in working in a Customer Service/Sales call center environment with over 8 years hands-on experience and 2 years of training, monitoring and Senior Representative job duties.
•Proficient in Microsoft Word and Microsoft Excel
•Skilled at organizing complex projects, defining project priorities, and delegating tasks.
•Possess excellent strong time management, organization and presentation skills.

Best answer:

Answer by VerryMerry
If I were to receive a resume like this I would call you for an interview. The only thing I would change is the last bullet – Possess excellent strong time management – pick excellent or strong.

Give your answer to this question below!

Question by yes m: online business with mulitple affiliates?
I have a question for those who have an online business working with other company affiliate programs. I am interested in having an online business selling other company’s products, but are you able to have multiple affiliates on your online business? If so, how does that work?

For example, if I become an affiliate with Amazon, I can post products from their website, then they handle the transactions and providing me with a comission in a bank they have until it is ready to be mailed to me. They also prepared reports and sheets for me to see my profits or credits, etc.

Will this happen for every affiliate I have on my site? – where I will end up with different reports showing my profits/losses/etc from each affiliate I work with?

Also, I know Amazon checks out your website first before they allow you to become an affiliate with them. If an affiliate company sees I am working with other affiliates, does that make it harder for them to work with me or not really?

Thanks!

Best answer:

Answer by Ms Gotit
as a affliate program yes they work, if you want to sell products i would like for you to keep your options open if you live in the usa. Cause i have a great network program and i like it .if something like this and if you are interst . if you like you can do something like this with having no experince nessarcy feel free to email me and ill i ll send you some great info. my email is diviapriceless@live.com or shegotpro@yahoo.com.

be looking foward to hearing from you soon if you are intersted.

Add your own answer in the comments!

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