A chargeback is a transaction that an Issuer returns to a merchant bank and most often, to the merchant – as a financial liability. In essence, it reverses a sales transaction, as follows:
* The card issuer subtracts the transaction dollar amount from the cardholder’s Visa account. The cardholder receives a credit and is no longer financially responsible for the dollar amount of the transaction.
Developing competitive advantage in the market place is not the easiest thing to accomplish.
According to Wikipedia,
“Competitive advantage is a position that a company occupies in its competitive landscape. A competitive advantage, sustainable or not, exists when a company makes a profit, that is, their earnings exceed their costs.. That means that normal competitive pressures are not able to drive down the firm’s earnings to the point where they cover all costs and just provide minimum sufficient additional return to keep capital invested. Most forms of competitive advantage cannot be sustained for any length of time because the promise of profits invites competitors to duplicate the competitive advantage held by any one firm.
At some point, everyone has had to make a change to a registration or request a refund for an event they’ve committed to attending. There are endless reasons for change requests, ranging from conflicting schedules to the changing of one’s mind.
Some events will allow participants to make changes without any hassle, but for others it seems nearly impossible. In many cases there is good reason why changes are difficult to make, but taking an extremely hard line with requests for refunds and changes can hurt your event overall.
By the time this article goes to print all of us will surely have had our fill of news reports about Conrad Black’s infamous lawsuit. We’ll likely be numb to the never ending allegations of fraudulent practices at Nortel. But, how many of us as human resource professionals will be asking, ‘What does this have to do with me?’
Learning to write an effective resume is a life skill most people cannot afford to ignore.
According to the U.S. Bureau of Labor Statistics, the median tenure for most professionals is about 4 years. For employees between the ages of 25 and 34, the median tenure is only 2.9 years.
Since most of us will change jobs a number of times in our career, we need to become proficient at selling ourselves and writing an effective resume.
Consider this: According to Career Builders’ Resume 2007 survey, on average, hiring managers receive 50 resumes for each and every job opening. Due to the sheer number of applicants, many managers skim and sort the resumes into “no go,” “maybe,” and “looks promising” piles.
How to create great headlines and titles to turn your prospects into buying customers using hypnotic words that will empower them to purchase your product or service, join your ezine.
First of all, you must learn how to get your prospects to trust you. This is true on every field. We trust those that are more like ourselves or one that we have been conditioned to believe.
“How many of you do not trust car salesman? This is because you have been repeatedly told over and over again, how they can not be trusted. Not every car salesman is going to give you a bad deal, just as every young man with long hair and holes in their jeans are not criminals.”
If you were to dissect the culture of a business, and you ask various people in an organization what the real roles of each department are, you’ll find the well-known dichotomy between “front office” and “back office” operations.
Front office staff are the people who deal with customers. They might be the customer service department, the sales department, and sometimes the marketing department (depending on how involved the marketing department is in the sales cycle). Back office staff are usually the admin assistants, HR, and the killjoy of all businesses – the Finance department.
Restaurant owners – many of whom are chefs – contact Ramsey and
ask him to visit their restaurant, in essence to help them to
save their restaurant from economic failure. The most amazing
thing about the process is that many of the chefs have personally
asked Ramsey to come, yet when he arrives, they fight with Ramsey
every step of the way – determined that Ramsey will not force
them to change their ways.
When we look at the current economic crisis, lots of people are
asking how we got into this mess. This story walks out the steps
the brought us into the current economic meltdown, prompted by
the recent credit crisis.