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Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo Company.

Deposit and credit products offered by Wells Fargo Bank, N.A. Member FDIC.

A Bank located in a grocery store. These locations have ATMs, teller services, and a private office for customer meetings.

These locations allow you to schedule an appointment to meet with a Wells Fargo banker at a time that works for you.

Banking locations with a notary service available. Please call the location in advance to meet with a notary.

Checks deposited at Envelope-FreeSM ATMs before 9:00 pm weekdays are considered received that same day. Checks deposited after 9:00 pm weekdays or on bank holidays are considered received the next business day. Cash deposits are available for use immediately.

Checks deposited at Envelope-FreeSM ATMs before 8:00 pm weekdays are considered received that same day. Checks deposited after 8:00 pm weekdays or on bank holidays are considered received the next business day. Cash deposits are available for use immediately ally bank auto loan rates

FRESNO, CA, 93705

Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo Company.

Deposit and credit products offered by Wells Fargo Bank, N.A. Member FDIC.

A Bank located in a grocery store. These locations have ATMs, teller services, and a private office for customer meetings.

These locations allow you to schedule an appointment to meet with a Wells Fargo banker at a time that works for you.

Banking locations with a notary service available. Please call the location in advance to meet with a notary.

Checks deposited at Envelope-FreeSM ATMs before 9:00 pm weekdays are considered received that same day. Checks deposited after 9:00 pm weekdays or on bank holidays are considered received the next business day. Cash deposits are available for use immediately.

Checks deposited at Envelope-FreeSM ATMs before 8:00 pm weekdays are considered received that same day. Checks deposited after 8:00 pm weekdays or on bank holidays are considered received the next business day. Cash deposits are available for use immediately loan compound interest calculator

VideoporteroCHANNEL MASTER CHANNEL MASTER

На основе статьи Анн Миллер (Anne Miller)

Подавляющему большинству людей нравится смотреть соревнования по фигурному катанию. Спортсмены двигаются по льду легко, грациозно, каждый следующий шаг является гармоничным продолжением предыдущего. Если бы их действия были отрывистыми и несвязными, фигурное катание не доставляло бы такого удовольствия зрителю.

Можно провести аналогию между фигурным катанием и презентацией продукта/услуги. История, рассказываемая продавцом, не должна иметь швов и резких, неприятных для восприятия скачков. Чтобы вовлечь слушателя и поддерживать его интерес, надо сделать ход презентации гармоничным и естественным.

Как добиться такого эффекта Если содержательная часть вашей презентации отполирована до блеска, пора задуматься о переходах между блоками информации. Большинство презентаций можно разделить на следующие блоки:

Переходы — своего рода мосты, по которым вы проводите потенциального клиента, превращая всю презентацию в приятную прогулку. Переходы — это фразы, которые сшивают лоскуты информации в единое полотно — презентацию.

Начало презентации — самый сложный момент. Вы здороваетесь с клиентом, обмениваетесь любезностями, и пора уже переходить к делу. Вот вам два примера — начало презентации без перехода и с переходом (не воспринимайте их буквально — это схематичное отражение действительности).

  1. Продавец: «Ладно, оставим погоду в покое. Э-э-э, давайте я расскажу вам о [название продукта]». Клиент (про себя): «Господи, еще один самонадеянный продажник».
  2. Продавец: «Я хотел рассказать, как мы можем помочь вам в [решении такой-то задачи]. Как вы сказали мне на прошлой встрече, сейчас [фоновая информация, факты из финансовой жизни клиента, которые подтверждают проблемность текущей ситуации]. Все верно» Клиент (про себя): «Молодец, ничего не забыл, правильно все проанализировал. Слушаем дальше».

Чувствуете разницу в эффективности Клиент тоже ее чувствует. Первый, «беспереходный» вариант фактически ставит продавца и клиента по разные стороны баррикад. Продавец предлагает — нападает — покупатель защищается — возражает. Второй вариант, напротив, сразу усаживает оратора и слушателя в одну лодку — презентация начинается с взаимного согласия, что моментально повышает уровень доверия.


Переход к вашим рекомендациям

Описав текущую ситуацию, получив согласие клиента с тем, что отсутствие вашего продукта/услуги в его бизнесе делает его (бизнес) хуже, переходите к своим рекомендациям. Задайте вопрос-переход: «Итак, что мы можем сделать в данной ситуации», или «Возникает вопрос: “Что вы можете сделать”», или, более прямо, «С учетом этих фактов, как вам может помочь [наш продукт/услуга]». Такой вопрос не подразумевает утвердительного ответа от клиента — он задается для того, чтобы подогреть интерес, вызвать ответный вопрос: «Действительно, как». Пора вкратце изложить свои рекомендации. Чтобы сделать свою речь максимально релевантной к проблеме клиента, постоянно ссылайтесь к фоновой информации и целям клиента: «[рекомендуемые действия], что поможет вам достичь [такого-то] показателя».Мысли клиента: «Отлично! Продолжайте».

Основная часть презентации — детальное описание предложения — может начинаться с простых фраз: «Начнем с …», или «Первое, на что стоит обратить внимание — …».
Если в процессе вы используете образы — визуальные или словесные — клиент может запутаться в них, потерять интерес к происходящему — его мозг будет перегружен сложными для быстрого усвоения элементами и информацией. Чтобы свести риск такого развития событий к минимуму, используйте вводные фразы — короткие переходы, соединяющие такие образы между собой: «Кроме того, …», «В добавок, …», «Более того, …», «Как следствие, …».

Чтобы закрепить успех, при переходу от одного блока информации к другому кратко суммируйте сказанное, и добавляйте фразу, которая не позволит интересу клиента ослабнуть: «Итак, наш продукт/услуга может помочь вам [выйти на такой-то уровень]. Но есть и другие приятные неожиданности …».

Так покупатель постоянно держит в уме ключевые моменты вашего предложения, и дополняет этот объем тем, что вы говорите после перехода к следующему блоку информации. Результат — ясная картина всех возможностей, которые подразумевает сотрудничество с вами, а также почти полное отсутствие вопросов по завершении презентации.

Подводя итоги презентации, суммируя ее суть, лучше использовать фразы, в центре которых — клиент и его потребности: «Итак, вам требуется решить [такую-то проблему].». Получив молчаливое согласие клиента, кратко изложите свои рекомендации, затем — свое предложение. После каждой ключевой фразы обращайтесь к клиенту с немым или озвученным вопросом: «Все верно». При хорошем стечении обстоятельств, следом за этой презентацией начнется обсуждение деталей реального сотрудничества, и чем больше «согласий» вы получите, тем меньше вопросов и возражений возникнет в ходе закрытия сделки.

Закончив краткое изложение презентации, опишите свое видение работы в данном случае: объемы, расчеты, действия каждой из сторон во временном разрезе и т.п.

Результат презентации, проведенной с учетом этих рекомендаций — довольный клиент, который как минимум провел время с пользой, а как максимум — заказал ваши услуги/товары. Если первый контакт принес только минимальный результат — не расстраивайтесь. Возможно, проблема, описанная вами, так и не стала приоритетной в глазах заказчика. Не давайте клиенту забыть о себе, и рано или поздно, когда до решаемого вами вопроса дойдет черед, он обратится именно к вам — ведь вы уже показали и доказали свой профессионализм.

Анн Миллер: продавец и тренер, чей стаж насчитывает более 20 лет. Специализация Анн — обучение топ-менеджеров техникам успешных переговоров с ключевыми клиентами ez cash payday loan



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If you are looking for financial assistance or financial aid for single mothers, then you have come to the right place. Are you in a bad situation Are you currently unemployed with no where to turn Looking for emergency cash assistance Financial aid for single mothers is out there; you just have to know where to look.

With the current economy in shambles, more people than ever are looking for ways on how to get financial aid for single mothers. It doesn’t matter who you are or where you are from in the U.S, you can get the money you desperately need today. On that note, please understand that single mothers have been hit the hardest and we are currently providing more resources for these admirable individuals more so than other minorities. We hope you understand. We do, however, provide resources to everyone, you just have to make sure you are in the right category. Here are just some of the categories you will find on our site.

Financial Aid And Grants For Single Mothers

Finding financial aid for single mothers does not have to be a tough thing to do. There is a lot of help available to you through the government and non-government resources. Maybe your husband just left you, or vice versa, and you need housing assistance because you have no other family to turn to. You will find that information here. Or if you need emergency cash assistance, you will find that here too.

Even More Financial Aid For Single Mothers

Are you a single mother who is looking to go back to school so that you can further your education and provide the kind of life for your children that they deserve Good for you! Finding grants for single mothers does not have to be difficult; in fact, because you are a single mother, you are entitled to A LOT of free resources that the ordinary person is not. President Obama has also initiated a program called the “Obama Mom’s Return To School Program”. This is a program to help single mothers get back in college and earn a degree to not only enrich the lives of themselves, but their children’s lives as well. Financial aid for single mothers and grants kinda go hand in hand.

Scholarships For Single Mothers

With the economy in such bad shape, now is the time to head back to school. Also, since the recession, there have been many, many more scholarships for single mothers available. Even though we are still in the middle of a recession, there seems to be quite a bit of help available for single mothers, which is a good thing. This kind of financial aid for single mothers is imperative. We also have a page dealing with scholarships and advise you to visit that page to learn more about these types of scholarships.

Finding Financial Support for Single Mothers

Becoming a single mother may be a fearful and daunting experience for a lot of women. Being a single mother would mean that you will always have a lot of things that you need to worry about and numerous problems that you would need to resolve on your own.

Being a single mother would also mean that you would have to do important things while making sure that your schedule will not interfere with you taking care of your kids. The most common fear of single moms is the fear of running out of finances that they will use to feed their family and pay for their daily necessities.

Grants for Single Moms

Possibly the most commonly applied for financial aid for single mothers are grants.

Grants are one of the major forms of financial aid for single moms. Grants are neither entitlements nor benefits. The good thing about grants is that there are more than 1000 different types of grants that single mothers can avail of.

These grants can be obtained from all the 26 Federal grant-making agencies. Since grants do not need to be repaid, these types of financial support for single moms are given only to those who need them the most. Before a single mother would qualify for a grant, most grant providers will require her to go through a screening process to determine her eligibility.

Requirements to be Eligible for Grants

Before a single mother can be qualified for a grant, she must submit certain requirements first. These requirements will be used to determine her eligibility for the different types of financial aid for single mothers. A single mom looking should submit her grant application on her own behalf and not on the behalf of another individual, group, institution, government or company.

The grant application should be signed by the applicant together with the other certifications. Each type of grant has different requirements and guidelines, but the most important of all is that the applicant should be an American citizen or a citizen of any US territory for at least 3 years.

Educational Assistance for Single Moms

One of the forms of financial aid is through educational assistance programs. Educational assistance programs include educational grants for single mothers, educational scholarships for single mothers, career development programs that are designed to provide assistance to single mothers who would like to obtain their G.E.D, vocational training, job training as well as scholarships for single moms to complete their college degrees.

There are also other educational assistance programs for single moms who would like help in job application, interview skills, and resume writing.

Medical Assistance Programs for Single Mothers


Financial aid for single mothers can also be in the form of medical assistance programs. There are some types of medical assistance programs that provide financial aid for single mothers who are in need of resources to pay for their medical bills.

These medical financial aids can be obtained by single mothers who are pregnant for their medical care, prenatal classes as well as child birth throughout childhood. There are some governments who sponsor nutrition programs for single mothers including menu planning and cooking. These programs are designed to promote health and well being in children without the burden of higher and increased costs.

Institutional Grants for Single Mothers

Single mothers who would want to continue their education can start by looking for financial aid for single mothers being offered by educational institutions such as colleges and universities. There are certain colleges and universities who offer institutional grants to single mothers who have already enrolled with them in the past.

For example, if you are a single mother who would like to enroll in an online class, you would need to have a computer. However, this would mean that you would have to spend extra expenses in purchasing a computer. This is where institutional grants come in. Some colleges will offer computers for free provided that you finish your classes successfully.

Sunshine Lady Foundation Grant

One of the grant providers offering financial aid for single mothers is the Sunshine Lady Foundation. The Sunshine Lady Foundation was established in the year 1996 through Ms. Dorris Buffet. The main goal of this foundation is to help mothers walk out of abusive relationships by ensuring that they can still get back on their own feet and continue living with the right financial support. The financial aid that this foundation provides can be used by single mothers to continue their education. There are also scholarships that the Sunshine Lady Foundation provides that will help families who are in crisis.

Our Families, Our Future Foundation

Another organization offering financial aid for single mothers is the Our Families, Our Future foundation. This aim of this foundation is to provide assistance to single mothers who would want to get back on their feet and have a fresh start. Our Families, Our Future helps train single mothers by providing them with the education that they need in order for them to be qualified workers in a company. These training programs that the Our Families, Our Future foundation provide will help single mothers know how to make a living and take care of their kids by earning money cash loans low weekly payments

FCOS [Formation continue obligatoire a la securite]

Añadida fotografía del nuevo punto de recarga rápido de agua.

El nuevo merendero, situado en “El Prao”, consta de 9 mesas, 8 con capacidad para 8 personas y una para 14 personas; 1 fuente y 4 parrillas en las que únicamente puede usarse carbón vegetal. El uso de la barbacoa se acoge a la ORDEN FYM/510/2013, por la que se regula el uso del fuego en Castilla y León Según esta norma, la Junta, en función de las condiciones meteorológicas existentes, establecerá anualmente las fechas correspondientes al periodo de riesgo de Época de Peligro Alto de Incendios Forestales, que comprenderá al menos los meses de julio a septiembre. Es decir, estará prohibido hacer fuego al menos durante los meses de julio, agosto y septiembre, pudiéndose cada año prorrogar la prohibición a los meses anteriores o posteriores, como mayo, junio u octubre. Asimismo, está prohibido hacer fuego en cualquier época del año si hay rachas de viento superiores a 10 km/h y en aquellos momentos en los que la temperatura sea superior a 30º. EN EL CASO DE QUE NO SEPA SI ESTÁ VIGENTE LA PROHIBICIÓN, RECOMENDAMOS QUE SE ABSTENGAN DE HACER FUEGO.

Recordamos que el nuevo merendero es una zona arbolada. Concretamente, se han plantado unos 100 árboles de las siguientes especies: fresnos, arce psudoplátano, arce platanoide y arce negundo.

Es deber de todos mantener el merendero limpio, por lo que se va a proceder a la instalación de 4 papeleras y un bidón para recogida de brasas.

Por otro lado, una vez terminado el reemplazo de tuberías de fibrocemento por otras más modernas de PVC, se va a proceder al reasfaltado del tramo que falta de la travesía, aquél entre el chiringuito y el antiguo matadero.

La semana del 16 al 22 de marzo se instalarán 5 farolas de diodos LED en la Calle Ronda Sur que substituirán a las actuales de vapor de mercurio y que en los últimos meses no han funcionado correctamente.

Se ha instalado un punto de recarga rápido de agua para cubas o cisternas junto a la báscula de Junta Agropecuaria Local, situado en el Prado Municipal. Esto supondrá un ahorro en tiempo y evita incomodidades como tener que pedir la manguera que se adapte a los hidrantes situados en varios puntos del pueblo.

En la Plaza Mayor, se ha realizado una obra de ornato: se han plantado cinco falsos jazmines, tres de flor blanca y dos de flor amarilla, junto a la parada de autobús. En el lugar que ocupaba el antiguo pozo y posteriormente la cabina telefónica, se ha construidos una fuente que consta de un brocal y una estructura de ladrillo macizo que da soporte al caño. Se ha acompañado la obra de dos bancos, también de ladrillo macizo.

Por último, Ambilamp nos recuerda que que el gas que contiene las bombillas es contaminante por lo que no se deben tirar a la basura, sino depositarse en el contenedor de bombillas y fluorescentes en el Punto Limpio student loan fairness act

Más imágenes del merendero y de los jazmines plantados en la Plaza Mayor:


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