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Examine the expectations and inferences underlying selected job positions. Consider timely topics in career preparation and the struggle for fulfilling employment. Analyze what could be improved in either situation. If this blog reminds you too much of work, then peruse my namesake blog for lighter fare.

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Showing posts with label financial risk. Show all posts
Showing posts with label financial risk. Show all posts

Monday, June 3, 2013

Financial Recruiter for Woodworkers’ Affinity Group

http://www.careerrookie.com/jobs/Financial-Services-Manager-Entry-Level-Insurance-Finance-Recruiter/J3H1D8613NXXD8GQT83?siteid=cb_jobalert


Financial Services Manager-Entry Level Insurance/Finance/Recruiter

Job Description
If you are a competitive, diligent and process-oriented individual who is able to consistently motivate and lead others to success, then join our management team at Modern Woodmen of America! We are currently hiring-on and hiring-to-train confident and ambitious Financial Services Managers to help us build a team of successful Financial Services Representatives. Your efforts will work toward making a positive impact on the lives of our members and their communities.

    You will recruit representatives and train them to be high-performing financial professionals through careful supervision and instruction – involving them in the community and developing both their personal and professional knowledge. If you are a communicative, amiable and determined individual who wants to pursue a business management career with a stable and secure industry leader, then Modern Woodmen of America may be the right place for you!

Job Responsibilities
As a Financial Services Manager for Modern Woodmen of America, you will attract, select, train and supervise your team members to help them attain higher levels of success. You will instruct them on proper customer dialogue and interaction as well as educate them on our product line and the benefits of our services.
Additional responsibilities for the Financial Services Manager include:
   - Identifying and developing strong future leaders
   - Commanding the aspirations of your team members
   - Continuing to grow your own leadership skills personally and professionally

Job Requirements
Modern Woodmen of America is also seeking a financially stable individual who either has a proven history of sales management, managerial success in the financial industry, or is willing to undergo extensive training in order to effectively develop into this position.
Additionally, the Financial Services Manager should:
   - Have or be able to attain applicable industry designations
   - Have or be able to attain Series 6, 63 and 26 licenses
   - College graduate or some college preferred
   - Have at least three years of continuous U.S. residency
   - Be a U.S. citizen or hold a permanent resident visa
   - Read, write and speak English fluently

Benefits
At Modern Woodmen of America, we recognize how hard our team members work in order to provide our members with the best products and service possible. Therefore, we are pleased to offer our Financial Services Managers extensive training, competitive compensation and an excellent benefits package.
Additional benefits available to the Financial Services Manager include:
   - Medical & Dental Insurance
   - 401(k) Retirement Planning w/ Company Match
   - Non-contributory retirement plans
   - Group health and dental benefits
   - Group term life insurance benefits
   - Optional group disability insurance benefits
   - Laptop provided
   - Social Security and Medicare taxes paid
For more information on Modern Woodmen of America, please visit our career website at http://www.mwacareers.org

Company Overview
Modern Woodmen of America is a fraternal benefit society based in Rock Island, Ill. Modern Woodmen serves more than 760,000 members nationwide, offering life insurance, annuity, investment* and banking products, along with fraternal member benefits for families and their communities.


Acknowledging the above job description is for a financial services manager, my observations which follow are valid for a number of related occupations: hob-knobbing and rubbing elbows with the dominant consensus builders in your community is akin to being a politician in that you’re trying to win others’ trust and authorization to take some type of action on their behalf. Although being financially stable -- often measured by having a credit score of 700 or above and an earnings-to-debt ratio of at least $5:$1 -- is a personal characteristic necessary to seem competent and unlikely to misappropriate your clients' money, already having a positive reputation within your community of marks target geography is critical so others will refer new business towards you.

In the case of a financial recruiter, you manage others’ money as an organizational and/or personal trustee; in the case of a politician, you do that via appropriations and vote on other legislation. Being family-friendly and without any substantial legal history is pretty much a requisite unless you’re a financial manager in the slums; in that case, good luck finding the wealthy residents while keeping your nose clean -- most such property managers or “slum lords” live outside the districts of their properties.

It is time-consuming and potentially expensive financially to maintain a community presence sufficient to portray yourself as not only trustworthy but more integrated into the communal fabric than your competitors. The person who is content to read alone Friday nights – let alone the individual for whom a social life is necessary only to earn income at some job or another -- need not apply.

The successful finance recruiter is capable of changing the mind of the person who says, “Thanks, but I have enough friends.” The wealthy person must be persuaded that you are an all-weather ally and not just the latest fair-weather friend to have drinks on his or her tab. Conversely, the finance recruiter will need to dispense with lower-income folks as expediently as possible to minimize time spent on low-return clients.

I find it interesting how the selling of oneself to the customer as not only a competent service provider but also a worthwhile human being is quite achingly, in-your-face obvious within the finance, insurance, and real estate (FIRE) industries. Those are expected to be the greatest economic powerhouses for concentrating wealth in the coming years -- and considering the increasing diagnosis rates of developmental disorders as well as documented reduction in social capital associated with the same, I can see why it will become more difficult to find truly capable FIRE workers instead of those who might merely look qualified on paper (have a finance degree, know insurance marketing tactics, etc. but don’t have many friends). Then again, the Internet has facilitated the exchange of so much previously isolated information such that some portion of the labor force will research and rehearse those mannerisms which they might not naturally acclimate to but need to demonstrate to win others’ confidence.

At least equally important is the locale in which the incumbent will work: aside from the idealistic college kids at UW-Washington County, West Benders generally hate dislike people they don't know. Therefore, I estimate the person to be hired as MWA's next financial recruiter will in fact have been active in multiple West Bend social circles for some time.

Thursday, March 1, 2012

"Contain-A-Pet" Franchisee

http://madison.craigslist.org/bus/2852649124.html


Job Title: Dog Fencing/Dog Training Business (Madison)

Date: 2012-02-29, 12:06PM CST
If you love man's best friend, enjoy helping people and would like to make a living in a business with great rewards and personal satisfaction, then a Contain-A-Pet dealership just might be for you. Unlike more expensive franchises that come with very high start up costs, Contain-A-Pet can be started and run from the comfort of your home with no need to lease commercial space.

Why Contain-A-Pet is such a Great Business
One of the most rewarding parts of being a Contain-A-Pet dealer is the joy of helping families and dogs find a way to live together in harmony. A contained dog is a happy and safe dog. Dog owners seek help for many reasons. In some cases they cannot find a way to keep their family member from wandering off, or get their dog to follow life-saving commands like "come". Imagine the satisfaction of knowing how many dogs will not be accidentally hit by cars or even taken by strangers after being properly trained by a Contain-A-Pet professional.

As a Contain-A-Pet dealer and certified dog trainer, you will be the answer to the prayers of dog owners in your area. Dog owners just cannot find a way to deal with them running off, barking, house breaking or other behavioral issues. Every year thousands of dogs unfortunately end up at local shelters because owners just cannot find a way solve their dogs' problems.

What kinds of people make great Contain-A-Pet Dealers?
- They Love dogs
- Have great communications skills
- Are highly motivated to build a successful business and are committed to success
- Enjoys solving clients problems
- Want a flexible schedule and freedom from the 9 to 5 grind
- No dog training experience required!
Even if you're a pure beginner in the pet industry our program is designed to fully train you in the Contain-A-Pet system. After you complete your training we will be there to help and support you every step of the way. Join the High-Demand Pet Industry!

Americans now spend over $30 billion a year on their pets. The demand for pet services is at its highest ever, thanks in part to television reality programs featuring people and their pets. People now know that their pet's behavior problems can often be solved with the help of a professional.
- There are approximately 68 million owned dogs in the United States.
- Four in ten (or 40 million) U.S. households own at least one dog.

รข€¢Most owners own one dog (63%).
- More than one-third (37%) of dog owners own more than one dog.

More Than Just a Fencing Business, a Dog Training Business as well
You receive a lot more than just learning how to effectively contain dogs; you learn how to make a living in the dog training business. There is a BIG difference. As a Contain-A-Pet Dealer you receive all the training protocols, business support and knowledge developed over the last 16yrs years (sic). In addition to becoming a Contain-A-Pet Dealer and a certified dog trainer the Contain-A-Pet dealer system includes branding, advertising and marketing help, sales training, add on products and more.

Many people dream of owning their own pet businesses and doing something they love, but very few actually take the step to make it happen. If you are ready to stop dreaming, and start working to achieve this goal, we invite you to contact us for more information today. Visit containapet.org dealer section or call 1-800-777-3647.

Compensation: its (sic) up to you


Although writing error-free ad copy is not a requisite for running a profitable dog training business, it certainly helps: How many readers would seriously consider becoming a first-time customer of a stranger who doesn’t bother to triple-check for such rudimentary errors as repeating words such as “yrs (spoken as ‘years’) years” and improper omission of a comma in a contraction in the phrase “it’s up to you,” in which the job poster improperly substituted the possessive form “its.” Did the job poster run this ad copy to marketing before going live? If so, then the marketing department should spend more time researching proper English punctuation and grammar.

The amount of hype in a “business opportunity” ad is directly proportionate to the risk entailed. The phrase “high-demand pet industry” has a dual meaning: Many pet owners err on the side of over-indulgence when purchasing supplies and amenities for their pets, but the pet services industry is so saturated that it takes tireless “high (effort) demand” networking to distinguish a given business from other pet service providers.

While around 40% of households in a given U.S. municipality are potentially immediate customers of a dog training service due to ownership of one or more dogs, many owners believe they have adequately trained their dogs. Someone who tries to convince them otherwise may be perceived as arrogant and pushy, and so most customers will be those who readily confess to insufficient training prowess.

Consider those dog owners who are already loyal to a trainer before you opened shop, and the likely market for your newly available dog training service is optimistically 20% of households. Before responding to this ad, ask whether your community has enough middle- and upper-class residents to support one more dog training service than the ones already listed in the phone book. You have to pay for start-up costs such as training, a basic inventory, and a business permit, so don’t quit your current job too soon. You could open a line of credit, but the interest will further reduce your potential profits.

Business maintenance costs are usually between $500 to $1,000 monthly due to commercial property rental, insurance, and utilities. Although the ad states, “Contain-A-Pet can be started and run from the comfort of your home with no need to lease commercial space,” many municipalities forbid residential properties to host walk-in businesses or other offline commercial activities requiring a business permit. Determining the code and permit requirements of your municipality is a must before opening any business so that you know whether the individual capital requirements of the business align with or exceed the legal requirements of your intended locale(s).

With all that in consideration, the “Contain-A-Pet” home page states that its business is “virtual(ly a) risk-free business to the motivated.” Really? What if a dog falls ill during a training lesson or if the good fence you installed falls onto and crushes the client’s flower bed? Such factors necessitate liability insurance which goes beyond simple premises insurance. Most business permits are contingent upon proof of such insurance.

Even shoe-shining services are not risk-free businesses despite having simpler operating models and lower overhead costs. To say that any business is “risk-free,” whether or not a qualifier such as “virtually” is applied, misleads at best and potentially violates the federal “truth in advertising” laws and regulations as enforced by the Federal Trade Commission.