Education Required For Bank Tellers
The teller performs complicated responsibilities. That is why the bank teller training is both grueling and calls for sufficient concentration. You need a high school diploma or General Educational Development (GED) examination results before applying for the position. The college degree is not a requirement. However, it is definitely an advantage if one has completed a two-year associate program of four-year bachelor’s degree. Suggested fields of specialization include business, finance or mathematics. BT education trains students to be adept in number and computations. You also have to possess good communications skills, knowledge of customer service and marketing techniques.Short-Term Courses and On-the-Job-Training for Bank TellersThere are educational institutions that offer short-term programs for bank tellers. Successful students are given a certificate. You will learn about standard bank operations; current banking rules and regulations; and, duties and responsibilities of bank tellers. The syllabus is meant to reinforce the student’s aptitude in math and client service.Education to be a bank teller will also call for intensive on-the-job training. Aspiring tellers are introduced to computer applications and the use of check-processing equipment. You are trained on cash-counting, bank security, auditing rules, and other methods in compliance. The training for tellers will also include redemption of savings bonds, issuance of bank-certified or traveler’s checks, taking coin orders, and special services. Tellers learn about the money order system, utility and mortgage or loan payments, and procedures needed for safe deposit boxes. The OJT also covers investments, business and personal loans along with credit cards.Continuing Education and Career EnhancementWhen you become a bank teller, it is necessary to pursue continuing education and training for professional advancement. This is also a sure way of obtaining salary increments and possible opportunities for promotions from your employers. There are community colleges and institutes that offer courses for them in line with certification programs.The American Bankers Association is willing to offer the Certified Bank Teller designation for individuals who manage to display competence in particular disciplines like sales and marketing. However, you have to take the CBT written test and acquire a minimum of six months working experience. You should have at least six hours of ongoing education to sustain their certifications status.Those who complete four year programs can opt for higher positions such as marketing officer, client service representative, bank analyst and bank manager. It promises to be a lucrative career once you finish the prescribed bank teller education.
SEO Help 101
I want to tell you first and foremost I am no SEO expert. SEO for those who don’t know is Search Engine Optimization. It is a technique to get Google, Bing, and other search engines to find your site and list it first. I have only been at this a few months, but I do have some information that might be useful to others. Like many people these days, I thought making money on the Internet would be easy. Buy a domain, design a Website, and the money will roll in. Boy was I wrong. If anybody tells you different, be very careful. Promoting a Website to make some money on the net is hard, time consuming work. Fortunately for me, I like work.Okay, so you have your site up and running, but where are the people? You ask the question, why isn’t my site not getting any traffic? I think the biggest misconception is that if you have a website people will automatically come, they won’t. You have to promote your site, promote your site, promote your site. There are many ways to promote your site. Some site promotions such as article writing are accepted practice. Others like Black Hat and Spamming are not.First off when your site is up and running, make sure that you submit it to the big search engines so they know your site exists. Second step is to get quality backlinks. Backlinks are incoming links to your website from another website. This can be accomplished through article writing, social networks, or directory submissions. Many free article sites like EzineArticles.com will let you put a link to your site in a signature at the end of an article. Article writing accomplishes two things. It is a free way of getting quality backlinks and it drives some traffic to your site.Social networks are another free form of site promotion. You can inform friends, family members, and even complete strangers of your site with little effort. Many social networks will let you attach a URL in an update. Like article writing, it is a way of getting backlinks and traffic. A great tool for updating multiple social networks simultaneously is Ping.fm. It allows you to send one message to multiple social networks without having to login to multiple ones.Directory submission probably takes the longest to do, but in my opinion, is the most useful. This is a simple way of creating free or paid backlinks which can raise your page rank and volume. Directory submissions are boring and time consuming. Cryosubmitter can save you a bunch of time. It is a simple program that semi-auto submits your site to directories. The program is free and contains 3000 directories already in its list. You can also simply place any other directory in the URL and the program works fine. How Cryosubmitter saves you time is by preloading common fill-ins on directory submit pages such as name, URL, tile, description, you get the idea.Now if you are not interested in SEO but just driving traffic, you can always try your hand at a PPC campaign. I myself have tried Google Adwords, ASK Advertising, and MSN Adcenter. Let me tell you that there is a big learning curve here, so before you spend a bunch of money do a little research and start off small. Don’t spend more than a few cents per click at first. I know that it is tempting to spend more, but be patient. Find out what works and what doesn’t. From my own personal experience, I recommend Google Adwords. You pay a little more per click because it is so damn competitive, but it can bring in quality traffic. I can also tell you to stay away from ASK Advertising. I had nothing but bad traffic through a bunch of low level partner search engines. As for MSN Adcenter, the jury is still out. I haven’t had enough time using MSN Adcenter to give any advice.Other useful tips and tools:Make a video and upload it to YouTube. Search engines pick up movies listed on YouTube very quickly. When you upload pictures to your Website use relevant key words. You can get a lot of traffic by doing this though Google Images.Digital Point Forums is a must join for anyone looking for help getting their site noticed. It is one of the only places on the web where you can get real advice without getting scammed. The information and resources at Digital Point Forums are invaluable. If you have a question, use their search bar. Chances are someone has already asked the question and it will have pages of answers to follow.http://www.directory-list.com is a great SEO-friendly site. It contains hundreds of free directories which you can arrange by Page Rank, backlinks, or URL. It even contains a spot to mark your status with that directory. You can mark it pending, approved, not approved, or other. Sure, it takes time to be entered in most directories, but it is a proven way to generate backlinks which helps raise Page Rank and drives traffic.Spyfu is another useful free tool. With Spyfu, you can search any site and find what key words they are using to get traffic. You can even search by word to find out who your competitors are. Spyfu will tell you average Cost Per Click (CPC) and even what your competitors are sending on a daily basis.Hittail is a very useful program when you want to find out where your web traffic is coming from. You can download a 60-day free trial, but after that I’m sorry to say you will have to pay for it. Hittail will tell you which sites your traffic is coming from as well as keywords that are driving traffic to your site. Hittail can even make recommendations for other key words based upon those driving traffic to your site.So far, I have submitted my site to over 500 directories, I have a couple of small ad campaigns, and I have been writing articles to promote my site. I will write a follow-up article in a few months and give you an update on what’s worked and what hasn’t. If you care to comment, I am open to suggestions. Who knows, I might be going at this totally wrong. Only time will tell.
5 Easy Steps to Rebuild Your Credit after Bankruptcy
Bankruptcy often is the last ultimate solution for many debtors who have unbearable debts. With filing a bankruptcy, you will get rid of your debts instantly and relief you from the harassing call of your creditors.Although bankruptcy has many undesirable consequences such as your bad credit record will remain on your credit report for 7-10 years, but with a little work, you can improve your credit even before these negative records expire. Here are five easy steps you can take to rebuild your credit.Step 1: Get to know your current credit statusThe first step to rebuilding your credit is to look at exactly where you stand. Order all your three credit reports from those three national credit bureaus: TransUnion, Equifax, and Experian. You can order these reports online, it easy and secure.Print each report and review it closely. Try to understand the information listed in your credit reports and highlight any negative records or inaccuracies that are damaging your credit score.Step 2: Check the expiration datesBy law, your bad credit record will remain in your credit report for 7 to 10 years, but the exact expiry date might be different among these 3 reports. Your bad record will still remain at your credit report although you have pay off your old debts and discharge from bankruptcy.Look up the exact date of each of bad records including judgments, liens, charge-offs, late payments, bankruptcy filings, and collection records. You will likely see a major improvement in your credit score when these records expire.Step 3: Request For Correct On Any Inaccurate RecordsIf you find inaccurate records, fraudulent accounts, or records that should have expired on you credit reports, you have the right to send a separate dispute letter to each of the credit bureaus to correct your Equifax, Experian, and TransUnion records. The bureaus will initial a 30 days investigation to see whether your requests are valid and if so, they will correct the inaccuracy in your credit report.Just one note, don’t try to dispute any of the positive information listed in your credit reports and it is a waste of time to attempt to dispute these records. Disputing positive information may actually harm your credit scores.Step 4: Start to create good creditsSince there is no way to remove your bad record from your credit report, the best way to improve your credit score is to add good credits and building up your credit from there. You can easy do this by open up a new credit card from banks like Orchard Bank (Orchard bank has credit card plan designed specially to help people rebuild their credit after bankruptcy).Use this new credit card responsibly and make the monthly payment timely; with this you are building new history of good credit behavior on your credit report. Over time, you may want to open additional credit card accounts or obtain a loan to boost your credit score even higher.Step 5: Monitor your progressSubscribe to a credit card monitoring service or get a credit card monitoring software and use it to track your credit score progress closely. Your credit score should improve steadily as you continue to use credit responsibly and add new positive information to your credit reports.SummaryBankruptcy does not need to chain you to bad credit for the next seven to ten years, but you have to be proactive in order to recover and rebuild your credit.
What and Why of Oppositional and Defiant Disorder and How to Deal With It?
Raising children is hard, but when you add things like oppositional defiant disorder into the mix, things only get more challenging. If you’re tired of putting up with a child who constantly battles with everything you say, then it’s time to transform your home and to minimize the symptoms of oppositional defiant disorder in your child.What is Oppositional Defiant Disorder?
Children with oppositional defiant disorder often have the following symptoms:
* They always desire to be in control and will do just about anything to gain or maintain control
* They cannot see how their actions affect others and deny responsibility
* They are often socially exploitive, manipulating their situations
* They often thrive on negativity, and are often the winners in battles of negativity (such as arguments or fights)Often oppositional defiant disorder (ODD) is misdiagnosed as just a normal part of development, or just a child going through a rough patch. If you are concerned whether your child has ODD, one of the key signs is simply the duration. If your child exhibits the symptoms of ODD for longer than six months it’s likely that they might actually have ODD and should be referred to a specialist.Why do Children Develop ODD?
The cause of ODD is unknown, it might be related to the child’s upbringing or could simply be genetic. Oppositional defiant disorder might be caused by a chemical imbalance in the brain. If a parent is an alcoholic or has been in trouble with the law, studies have shown that a child is three times more likely to suffer from ODD. Around 10% of school aged children have ODD, and it is considerably more common in boys than girls.One thing to note is the fact that ODD rarely occurs on its own; usually there is another disorder at play. Whether this is a learning disorder, attention deficit hyperactive disorder (ADHD), mood disorders or anxiety disorders. This means that it might be difficult, if not impossible, to improve the symptoms of ODD without treating the co-existing disorder if present.How to Deal With Oppositional Defiant Disorder
Treating oppositional defiant disorder is challenging and will vary a lot depending on the individual child. It’s important as a parent of an ODD child that you focus on the positives and give the child positive reinforcement wherever possible. Often ODD children are subject to a lot of negativity for their behaviour and actions and in a way that can go on to fuel their fire.Remove yourself from the situation if you need to. Many parents find themselves regularly involved in conflict with their child, which does very little to improve the situation. If you need to, simply take some time and space away from your child so that you can cool down and re-evaluate things when you’re feeling better.Pick your battles! Remember that some things, while annoying or frustrating, really make little difference in the course of your or your child’s life. If you are constantly on your child’s back, hassling them about this and that they will start to take you much less seriously. If you only focus on the things that are really important and that you really want to change, then you will be able to make a different without overwhelming your child.Use effective consequences to reshape your child’s behaviour. Whether you decide to use a Home Contract or you simply just set up a clear list of rules, you need to be consistent with your ODD child, more than ever. Children respond well to rules and authority as long as they are consistent, predictable and fair.What have you found helpful in dealing with an ODD child? Is there anything that really made a difference in your child’s behaviour?