Archive for May, 2008

Asset Searching for Recovery Actions - The Decision Maker’s Critical Tool Part 1

Thursday, May 29th, 2008

By Thomas Lawson As certified fraud examiners (CFE), we all know the nuts and bolts of our respective areas of specialty, and hopefully, we are all growing professionally at an astounding pace. Crime does, unfortunately, pay just not for the criminal. After conducting asset research for over 14 years for such demanding institutions as FDIC, FSLIC, and RTC, as well as major hotels and casinos in the gaming industry, property management firms, and many of the nations larger law firms, one thing that has emerged is a distinct lack of information not about the type of items searched, but the depth and quality of other searches. In cutting to the chase, the following is the result of the compilation of asset search guidelines, and should serve to assist in setting at least a baseline standard for developing a viable domestic asset search strategy. Subject Identification Prior to beginning the acquisition of information on any subject of an asset search, the subject should be properly identified. Studies have shown that as much as 30% of the American population uses undisclosed aliases and/or akas to conduct and transact various levels of personal and professional business. This statistic does not take into account the existence of corporate, DBA and/or partnership entity names, which are created to transact the various forms of business on behalf of the principals of said entity. To properly identify a non-corporate subject, the following minimum recommendations are made for non-law enforcement environments: Obtain credit reports from the three major credit bureaus, per Fair Credit Reporting Act (FCRA) requirements. However, make sure that obtaining the reports is in compliance with permissible purposes as defined in Public Law 91- 508, Title VI (FCRA), to avoid tainting your pursuit should the matter ever be litigated. Remember, in the context of this discussion, we are focused on asset searches as recovery medium, and the basic assumption is that the asset search has already been determined to be sanctionable. This could be determined, for example, by a loan in default, a judgment that has been rendered, or a court order obtained for the release of the credit information in cases that are not clearly defined under the FCRA. Remember this simple guideline: credit reports are legal post-judgment, for purposes of collection, and/or where consent has been given somewhere in the stream of the creditor/debtor relationship. In the case of a receivership institution(i.e., where a director is being scrutinized for alleged conversion of assets), consent may also have been given for a credit history during pre-employment evaluation or as a policy-based condition of employment. This is referred to as extended consent, and constitutes valid use, especially in matters where a criminal investigation is under way, and where the conversion of assets is factually alleged as the result of a forensic audit or proven by admission. Be careful, though, as extended consent from the employment perspective is still a gray area under the law. The following two items are available from credit bureaus and their sub-vendors but have less coverage extended to them under the FCRA, yet the FCRA compliance attitude should be used when accessing them: * Obtain social security traces from the three major credit bureaus. * Obtain address update/credit report header information from the three major credit bureaus. * Obtain voter registration information for the applicable jurisdiction germane to the primary, or most recent, residence of the subject. Some states have compiled voter data through private repositories, which should be checked for movement. Match the information obtained through the independent sources to the information presented by the candidate in the form of the credit application withthe institution, and/or the information developed independently by the institution in the initial credit qualification process. Many other methods of identification exist, but the above represents the very least that should be done. The reason for obtaining the information from all three bureaus, instead of only one, is to develop any alias and/or aka data, as well as current addresses (not specified), and/or any additional addresses that may provide venue data. This will assist the asset searcher in determining whether to advise the client to proceed with asset discovery in additional areas unknown to the client at the time the asset search was requested. Address verifications are usually difficult without a physical inspection of the address in question, including a visual identification of the subject entering and/or leaving the address. Address information that is cross-referenced and verifiable through the major credit bureau repositories is usually presented in an asset search, and in most cases is very reliable. To discover the current telephone number of the subject, methods available to the fraud examiner include nationwide telephone directories, criss-cross directories, directory assistance contact, and attempts at contact existing telephone numbers known by the client. There are other methods of telephone number development available. However, these methods should not be utilized by a CFE in order to avoid tainting the legality of the pursuit, in the even that litigation is ultimate undertaken. Assets Determination Assets determination usually constitutes an integration of certain liability data to offset the assets worth in order to arrive at a net equity position. This is especially true in identifying and analyzing real property assets. There are multiple forms of asset determination, which are described as follows: Real Property Ownership: A search should be conducted of the applicable county jurisdiction. The exception is in California where a statewide assessors index is available, usually through the lien date of the prior year. This repository is made available through a private company, and is in no way sanctioned by any public jurisdiction. For traditional searches throughout the rest of the U.S., per jurisdiction research is conducted at the assessors office to determine if the name exists on the assessors roll, and/or if the known property (address) crosses-verifies to the suspect owner. A search of the applicable jurisdictions Recorders Grantee/Grantor index (or general index as it may also be known) is then undertaken to determine if the property is still vested to the subject, and if any open Deeds of Trust and other liens exist which identify liabilities against the property. The search in the recorders venue should also identify (in jurisdictions where this is possible) theDocumentary Transfer Tax Stamp amount, which should be divided by the applicable factor. This yields a sales price for the property, which should then be scrutinized by contacting a local realtor to verify the current market value. This thumbnail market value determination would then be subtracted from the outstanding Deeds of Trust (encumbrances) for a net equity value of the property. Additional research of real property ownership comes in the form of updating the assessors rolls through the recorders offices to determine if the subjects name has come into title to additional parcels of property, subsequent to the lien date of the assessors records, which is in many jurisdictions up to sixty to ninety days old. The searches in the recorders offices should also identify recent transfers of ownership of an individuals real property, wherein the ownership may have been transferred to a family member, closely held corporation, or other entity. Based upon the guidelines established by the client, the searches can be permutated to include additional research on additional names developed during the study, which the examiner may feel has a direct relationship to the subject of the report. It is important to note that asset searches are usually requested on specific names of individuals, and it is an industry standard of practice to conduct the research on the specific subject name. Competent investigative agencies contact the client in some way to disclose additional names discovered during the searches. Searches should also include information developed on real property assets jointly held in the name of the husband and wife. This information is usually indexed by virtue of the husbands name, or the first name that appears on the conveying deed. It is important to understand that an asset search does not automatically search property held in the name of a wife unless the asset search is specifically ordered on the wifes name. If so, the wifes name would then be included as a primary search name (parameter), and assets held in the wifes name would then be covered. Quite simply, an asset search on a husband should usually also reveal information on spousal assets held jointly, but not necessarily include assets held by the wife individually or as sole owner, or under different name styles such as aliases or maiden names. Vehicle Searches: Searches should be conducted of the applicable states Department of Motor Vehicles to identify all vehicles owned under the name and address given to the state repository for search purposes. Several states do not provide this service, as the tax registration responsibility for vehicular ownership rests with a county or parish jurisdiction. Where states will not provide this information, the applicable jurisdiction or jurisdictions should be researched to determine if vehicles are owned by the name given as primary search parameter. It is also important to understand that most assets search requests are not only based upon single name searches, but usually single jurisdiction searches as well. Some examiners may feel justified in providing additional over-the-county-line information in order to bolster the information developed without an additional asset search. However, single county or parish jurisdictions should be expected as an industry standard. Analyze credit reports to determine if current outstanding) and/or previous loans may have existed, linking this type of asset to the subject. Many times vehicular, vessel, and aircraft assets are not identified through standard search parameters, but are identified if the subject may have the asset registered in a different jurisdiction; if the asset may be registered under different name; or if the subject may be a guarantor on the loan. Vessel Ownership: There are three possible forms of accessing vessel ownership information. The first is on a state-by-state basis at the Departments of Motor Vehicles. The second is at the county or parish level. The third is a search of the U.S. Coast Guards Watercraft Index, a nationwide repository of registered vessels over a certain length. Depending upon the location of the asset search to be conducted, one or all of these methods should be utilized. Aircraft Ownership: Other than by intelligence information which may have been submitted to the institution at the outset of the credit qualification process, the only method of developing aircraft registration information is to perform an FAAAirmans Search to determine if an FAA Pilots license has been issued, and/or if an individual has an aircraft registered in his or her name within the Federal Aviation Administrations files. As with the vessel ownership search through theU.S. Coast Guard Watercraft registration, there is only one national root repository that makes this service available. The service is resold through other database repositories, yet it is advised that the root repository be utilized in order to minimize data transfer/loss from vendor to vendor. Banking Information: Bank account searches may be the worlds second-oldest profession. There is no specific way to access bank account information, other than by a multitude of artistic pursuits including the development of information within a consumers credit history; director contact with a banking institution; the use of sources in the U.S. Federal Reserve Clearinghouse System; or by sources and contacts developed by the fraud examiner with local, state, or national banking institutions. This is truly the art and science of an asset search, in that the ability to successfully identify banks rests heavily with the fraud examiners prowess in this arena. The standard guidelines for bank account searches are exact name basis only searches, with less emphasis placed on jurisdictional lines, since most bank account searches are developed via intelligence leads. In many instances, an asset search will refer no record found to a banking institution under an exact subject name. The subjects name may appear as a signatory on an alternate account, possibly under the name of a disclosed or undisclosed entity, or as a signatory on an account held under the name of another. Bank accounts will not usually be disclosed in this fashion. Unauthorized information pertaining to a no searched consumer could compromise that persons privacy under federal privacy laws, the FCRA and the CCPA, as well as many other statutes. It is safe to say that most agencies are quick to obtain at least some banking information. This should rest with the successful Write of Execution language, constructed by counsel as served upon the institutions regional administrative and/or corporate offices (for examples send a request to tomlawson@apscreen.com). In Part 2 of this article, well look at other financial and business information that should be gathered during an asset search, liability-related data which impacts the subjects net worth as well as other information. Thomas C. Lawson, CFE, CII is President and Founder of APSCREEN International, the worlds leading full service Consumer Reporting Agency since 1980. Lawson is called one of the real pros as he has helped to reshape laws including those for employment screening, permissible credit reporting, asset discovery and fraud examination. Tom is a Life Member of: ACFE, ASIS, SHRM, PIHRA, PNRRA, PRRN, CII, WAD, WIN, FCAOC and OCEMA. Article Source: http://EzineArticles.com/?expert=Thomas_Lawson http://EzineArticles.com/?Asset-Searching-for-Recovery-Actions—The-Decision-Makers-Critical-Tool-Part-1&id=31185 unsecured 30000 bad credit loan i have bad credit need a loan paycheck signature form payday loans encinitas california

Breast Implants Safety

Sunday, May 18th, 2008

By Hillary Nehls There has been a long discussion over many years whether breast implants are safe or not. Breast implants are among the most popular cosmetic surgery procedures. There is simply no other option available to increase breast volume. Increasing breast size is a personal decision. While there is rarely a medical reason for it, getting breast implants and bigger breasts can have a big positive psychological impact on women. However, it also means to accept potential risks. Many would like to accept any risk in order to get bigger breasts. With breast implants you can change the size and also the shape of your breast. For many women this means an improvement of life quality and is therefore worth the risk. Like any other cosmetic surgery procedure, a breast implant surgery has risks as well. Per year there are over 250,000 breast implant surgeries performed and the numbers are increasing. About 7% have their implants removed again. Breast implants are for augmentation and reconstruction, a pure cosmetic surgery only. You can choose between saline and silicone filled implants. Some implants allow a change in the volume even after surgery. Saline-filled breast implants are FDA approved, silicon implants not yet. Silicone is assumed to be biologically inactive and therefore safe but over the years many women claimed that their implants would cause tissue or neurological diseases or even cancer. Till now it is still unclear whether silicon implants are totally safe or not. Another risk is a tightening and squeezing of the scar tissue around the implant. It can change the shape of the breast, cause pain and require a surgery. Rupture can occur anytime. Saline filled implants would only leak salt water which is not dangerous but the impact of leaked silicon is still unknown. It is advised to remove the broken implant. Another potential risk is nerve damage which could lead to a change in sensation in the nipple and tissue. You should also know that you most likely will have more than one surgery over time because of the complications. Breast implants will not last a lifetime. There are women who believe that implants have destroyed their health and lifes while others are very happy with implants. There are still many questions that have to be answered before you have a breast implant. If you decide for a breast implant surgery, make sure you choose an experienced surgeon who can answer your questions and has a proven track record. Founder of LargeBreastImplants.net Hillary Nehls has published several articles about Large Breast Implants, Cosmetic Surgery Breast Augmentation or Big Breast Implants. Article Source: http://EzineArticles.com/?expert=Hillary_Nehls http://EzineArticles.com/?Breast-Implants-Safety&id=469446 new york state paycheck laws paycheck advancement loans oklahoma paycheck calculator san antonio refinance car loan bad credit

Where in Your Place Can You Grow Roses?

Wednesday, May 14th, 2008

By Liza Othman First consider what kind of rose-garden you will plan. Roses seem to enjoy being arranged in countless ways. Will the first show of bloom to burst into view, as one approaches your home, be on your pergola, or arbor, or rose-covered summer-house? If none of these furnishes appropriate setting, probably your banks or fences will be clothed or beautified. A variety of types is available, and choosing from these will become a delight. Perhaps your fancy may picture prosperous beds, abounding in a wealth of bloom, to be seen across a sweep of level lawn, or from your favorite room in the house, or even hidden beyond the curve in your garden-walk. The formal rose-garden, too, is important, especially on the larger place. There are excellent reasons why the rose-garden should have a domain all its own. These fastidious creatures that so well repay your thoughtful care may well be grouped and with greater resulting effectiveness. In no other case, perhaps, does careful planning pay so well as in the formal garden. In these brief suggestions of rose-garden possibilities let us recall vividly the value of the rose in the landscape. Here again a knowledge of varieties is important. Landscape architects are recognizing more and more the noteworthy species which are valuable in mass-plantings for showy effects, for retaining embankments, for bordering driveways, or even for certain types of hedges. Or you may wish most for a garden of roses from which to cut bouquets, so that “the glory of the garden” may be reflected in your home. Good taste will suggest the right rosesone for this vase, a bunch for that bowl, a spray for the guest-room, still others for the hallway or the dining-room table, then surely some for boutonnieres, and at times for “state occasions.” Surely anyone who has experienced the exquisite thrill welling up in the soul from the presence of choice roses well arranged will be eager to develop the skill needed to make the best use of nature’s garden-gifts. Several available spaces for the rose-bed are usually to be found on the average home-grounds. Ive had the good fortune to visit a number of rose-gardens that are famousand others that deserve to beand this may be said of nearly all: that they lie on the genial, sunny side of a generous group of trees or copse, but are open to the gentler breezes, and are not shut in or shaded. Choose a place, therefore, or establish one, protected either by trees, a hedge, a wall, a building, or by some other wind-break. Even a hedge of roses, or climbers, upon a substantial trellis will avail, although a denser screen is more effective. Choose, too, a place where the sun will shine for not less than one-half of the day, preferably the morning. By this you will see that a space opening away to the south or southeast is to be preferred. We have noted equally successful rose-gardens entirely surrounded by hedges. For more tips and guides on growing roses, head to http://HowToGrowRoses.FunHowToBooks.com Article Source: http://EzineArticles.com/?expert=Liza_Othman http://EzineArticles.com/?Where-in-Your-Place-Can-You-Grow-Roses?&id=426975 online bank loan rate comparison current personal loan rates will banks loan money on auction rate securities personal loan car as colateral

Achieve Your Goals With Unsecured Loans

Friday, May 9th, 2008

By [http://ezinearticles.com/?expert=Vishal_Saxena]Vishal Saxena Unsecured loans are designed so that people face no problems tackling with their requirements. You might find yourself in an adverse situation at any point of time. Applying for unsecured loans is a wise decision at such time. Unsecured loans are very helpful to meet with an urgent need in life. These loans are offered with out any collateral or security. They are of great help for tenants, non house owners or for those who dont want to place their property at stake. Besides these loans are shortly available as they dont involve much paper work. Lenders suffer with more risk than borrowers in unsecured loans, as he does not have any security against his money. However everything comes for a price. Besides giving you certain benefits, unsecured loans have high interest and short repayment duration. You have no freedom to fix monthly installments as per your convenience. Lender charges huge monthly repayments to extract his money in a short time. Though he cant repossess your property but he might take a legal action against you, if he does not get his money back. [http://www.adverse-credit-debt-consolidation.co.uk/unsecured-debt-consolidation.asp ]Unsecured loans serve with the following purposes- home renovation, wedding, holiday, debt consolidation, car purchase, funding higher education. Unsecured loans are divided in to various categories. Such as bad credit unsecured loans, business unsecured loans, debt consolidation unsecured loans and home improvement unsecured loans. They all differ from each others in their functions and purposes. However no collateral is the common feature with all of them. For a direct and fast response from lender, online search is the best option. This will help you get acquainted with all the conditions with regards to unsecured loans. The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting adverse-credit as a finance specialist. For more information please visit http://www.adverse-credit-debt-consolidation.co.uk Article Source: http://EzineArticles.com/?expert=Vishal_Saxena http://EzineArticles.com/?Achieve-Your-Goals-With-Unsecured-Loans&id=208787 banks reluctant to loan money free sample paycheck stub cash advance locations in san diego unsecure personal loan

Networking the Media

Sunday, May 4th, 2008

By Nancy Roebke The media is a business’s absolute best friend. It is THEsource of information distribution to the masses. Even “bad”press has been known to stimulate business. The media is a “business” just like any other business. It has a “product” (air space, print space or television space) and therefore must sell this product. And it is a “perishable” product. Most people don’t think of the media as a “perishable” product but it is. Radio stations and television stations sell “time”. Once that time has passed, you can’t get it back. Newspapers and magazines sell “space”. They have deadlines to meet to fill that space so that makes the space a perishable commodity. This means that the media is ALWAYS looking for news to take up the time and space that they have. They are also, of course, looking for advertisers. For this article, lets look at helping them fill their time and space, and getting plugs for your business that are either free or very, very low cost. 1. The Press Release. This is THE most common type of free placement with the media. But many business professionals mistaken a press release for an ad. You get press releases for free - you pay for ads. Press releases need to be about information that is of interest to the public that frequents that media. It needs to announce something versus sell something. It needs to be written in a certain style with a certain focus. For more information about the proper way to structure a press release, see http://www.profnet.org/press.html. 2. Articles that you write. The media is always looking for new information to pass on to it’s clients. You can help them by writing for them. Contact the business editor at the media of your choice and see what you know about that they might need an expert in. This is another FREE source of exposure for your firm. And you help the editor out as well. 3. Articles ABOUT you. This is what EVERYBODY wants from the media without thinking about “what’s in it for them” from the media’s side. There is no editor anywhere that can run as many articles about specific businesses as there are businesses wishing to have an article done for them. Articles are often bartered for something the media needs. They are also done when something really unique happens with a firm. Be the first in your area to offer a certain product or service, do something of an important nature politically, or socially, or have something unique that will appeal to the media’s client base and you have a greater chance of getting a story done. 4. Joint Promos with the media. Contact the media in your area and offer to sponsor a joint promotion with them. Have a contest and give away tickets to major sporting or entertainment events (like concerts) in conjunction with your favorite radio station, newspaper, magazine or television station. If they have a “mobile unit” ask them to broadcast live from your site. 5. Buy space in odd places or at less desirable times. Everybody wants the “drive time” for radio (when people are driving to and from work). Everybody wants to advertise in “prime time” on television. And everybody wants to be on the front or back page in print media. I have seen radio stations GIVE time slots away that are at 3 o’clock in the morning just to fill the space. Form good relationships with your media contacts and these ads will not only help you but them as well. I personally have bought television time for as little as $4.00 for a 30 second spot. Amazing. Better than that though- EFFECTIVE. Nancy Roebke, is the Executive Director of Profnet Inc, a professional business leads generation corporation. We bring business professionals together in a non-competitive environment to help each other make more money. mailto:execdirector@profnet.org http://www.profnet.org Copyright c Nancy Roebke Article Source: http://EzineArticles.com/?expert=Nancy_Roebke http://EzineArticles.com/?Networking-the-Media&id=5184 no credit check hom eloan no fax instant payday loan how to get a loan from a bank when you have bad credit none payment of cash advance

Interviewing Styles: Should You Learn Them?

Thursday, May 1st, 2008

By Judi Perkins There is much talk about Interviewing Styles: The Directive Interview, The Behavioral Interview, The Stress Interview, The Qualifying Interview, The This Interview, The That Interview. Articles outline different styles, list typical questions for each and tell you how to prepare for them, as well as suggesting appropriate answers. That’s all well and good, but there’s an obvious question here that begs to be asked: how do you KNOW which style you’ll encounter? When you phone to schedule the interview, do you ask, “Oh, by the way Mr. Interviewer, what interview style do you use? I’d like to study that one and ignore all the others.”? I absolutely endorse asking questions that you need to know the answers to (when it’s the appropriate time)……but THAT question is obviously an exception! So do you study all of the styles? Memorize every question that applies to each style and all the recommended answers to prepare for each one? And when the interview begins, you say to yourself, “AHA! It’s The Abstract Theoretical Look Sideways Style!” and then you know exactly what to say and do. What if you missed a style? And you find yourself saying “What the heck style is THIS? I don’t recognize it! HELP!” Which completely throws you off and you bomb the rest of the interview. Worrying about interviewing styles is ridiculous. Not only is it too much information to memorize, but it’s also a waste of time. An interview is nerve-wracking as it is without worrying about which style you’re going to encounter. The interview is about the company and how your presence will benefit them, the preparation (with the exception of your company research) is about knowing who you are and what you’re looking for. It’s not about the company or anticipating their interviewing style. Interview preparation is an absolute, non-negotiable, unequivocal must, but preparing by learning different styles is not. That’s why your interview preparation needs to be focused on learning about yourself, listing questions to ask, forming your answers to fundamental interview questions. You prepare by focusing on yourself because you are seeking your perfect job. You want to have the power to decide if you want to return for another interview instead of giving that power away. You want to be in control of your future. An interview is a sales process. The product is, essentially, you. And you need to be real about who you are, AND be prepared enough to interview well. Do THAT properly and the style you encounter is irrelevant. Interviewing is 85% prep and 15% common sense. Sometimes it does involve a bit of mirroring, but some of that is common sense. Do it without losing your individuality. For instance, if the interviewer is chatty, longer answers are okay. If the interviewer is crisp and serious, keep your answers focused and on the topic. Occasionally you’ll run into an interviewer who wants to make you sweat. You feel as if youre under a bright light - they’re grilling you, and you might as well have been fingerprinted. There’s no need to get all worked up (besides, they WANT you to). If that’s his interview style, what do you think it will be like to work for him? The answer to that should calm you down. You won’t care what he thinks, because you probably won’t want to return. Good money? Eventually you’ll hate your boss, then you’ll hate your job, then your life will be hell, because the salary won’t be worth it. Short drive? Eventually you’ll hate your boss, then you’ll hate your job then your life will be hell, because the drive will STILL be too long - you don’t want to go where you’re driving. Great advancement promised? After how long? How many people have held that position in the last 6 years? If you want to work for a control freak or someone who needs to appear tough and all-knowing, you’ve found the place. If he’s rapid firing questions at you, hoping to trip you up, let him feel important . Finish the interview and then cross the company off your list. Another interviewer might leave you thinking “What’s UP with this guy?” He seems sort of at a loss as to what to ask you. His questions are all open ended and don’t seem to have any firm direction or point. Just use common sense. You’ve done your interview prep work - jump in and sell yourself. That doesnt mean talk non-stop, but you don’t have to sit there and be uncomfortably silent for long periods of time either. Ease the awkwardness. Help him out. Lots of holes? Gracefully and professionally answer some of the questions you were prepared to answer, even though he hasn’t asked them. He may not know how to interview very well. (Face it, NO ONE - except maybe a human resources person - should have a lot of experience interviewing. If they do - they either can’t keep a job….or they can’t keep employees!) If your first interview is with human resources, often they can be crisply black and white, detail oriented, and by the book. Don’t let it throw you. If you know yourself and what you’re looking for, you’ve done your research on the company, and you’ve thoroughly prepped yourself for the interview, you’re much less likely to get flustered. Mirror their style, but don’t drown your personality. SOME human resources people are adept at giving you enough rope to hang yourself - so don’t be lulled into a warm cozy camaraderie. Watch their visual cues - which can be subtle. Follow your instinct, but follow their lead. They’re screeners, but in that sense, they are also decision makers. Don’t waste your time memorizing styles and how to handle each one. There ARE different interview styles, just as there are different types of people. The hiring authority’s interviewing style is usually a reflection of his personality. Stay aware of what’s happening at the moment, what you’re saying, what you’re learning, and how you’re feeling about what’s taking place. The more you’ve done your homework in accordance with what I’ve suggested, the more relaxed you’ll feel. The more relaxed you feel, the more confident and in control of your answers you’ll be, and the less likely you’ll be to worry about interview styles and types. When you know your background and who you are - the hows and whys and whats - you’re also less likely to be blindsided by an unexpected “type” question. So before you interview, it is imperative for you to give significant thought to: Why you chose your current field What environment you work best in and why What your personality traits are Why you liked and didn’t like your previous jobs and what you learned from them What your skills and talents are How you’ve handled diverse situations and what you might have done differently, or why what you did was effective - be able to back it up What you’ve accomplished in your previous positions and how those accomplishments contributed to the success of the department and the company In what areas you feel you need some work or polish Where you see yourself going and how you plan on getting there Why you chose to leave one company to go to the next In addition to knowing the answers to the above topics, you need to think about the most appropriate way to phrase those answers AND how they relate to what you’ve learned about the company from your research on line or at the library. In fact, some of the topics on the above list you should already have given thought to before you began your job search. If you don’t know who you are, what you want, in what circumstances you perform best and in what circumstances you don’t perform well at all, what type of management style helps you to flourish and give back to the company, and what the goal of your next job is - you won’t know what you’re looking for, much less be able to recognize it. Put effort into making sure you know who you are and what makes you that way. Know what you’ve accomplished and what contributed to those accomplishments, what motivates you and what turns you off. Spend time learning about the company with whom you’ll be interviewing. Make a list of questions to bring with you, and know what kind of answers you’re looking for. Be able to address issues by showing how who YOU are will benefit THEM. Then it won’t matter what style you encounter. You’ll be comfortable with any style you meet. And when they want you to come back for another interview, you can decide if you want to….or not. copyright: Judi Perkins, VisionQuest Judi Perkins has been a search consultant for 25 years in both the contingency and retained market, with a short stint in the temporary and local permanent placement markets. She has owned her own firm and successfully assisted numerous repeat clients in hiring all levels of management. She is a Career Expert and Forum Moderator with http://www.CareerCube.net. To sign up for her newsletter or learn thousands of powerful concepts to find your perfect job go to http://www.findtheperfectjob.com. Article Source: http://EzineArticles.com/?expert=Judi_Perkins http://EzineArticles.com/?Interviewing-Styles:-Should-You-Learn-Them?&id=238816 free credit score no credit card required debt consolidation services bad credit houston mortgage texas motorcycle bad credit loans