Tuesday, November 30, 2004

Unexpected customer service...

So I woke up this morning at the Allen Center on the Northwestern University campus. I try to stay there when I can....it's a wonderful facility--set up for Exec Education. Lots of workspace, great food, and best of all, high speed net connections in your room and NO televisions. A place to work, think, work out, and teach.

The staff are always extremely friendly and helpful, but this morning, I was blown away by what happened when I checked out.

Setting: The Allen Center has a large parking lot out front. After my class last night, I parked out in front, and was told by the person at the registration counter that I would have to move it by 8:00 am since the lot is not reserved for Allen Center guests. He said he could get me paking in a visitors' lot about 5 minutes away. I had a 9:00 meeting with some students and then an 11:00 meeting with a potential client, so that seemed like it would work.

I went to bed, got up, worked out, showered, changed, packed up and checked out at 7:58 am or so, and told a different registration desk person that I needed a place to park my car. There were two women behind the counter, and as soon as I said that I needed a parking pass, one walked out around the counter and headed for the door while the other smiled and said, "No problem, we'll put you in the visitors' lot." I asked if this was the lot past the student union, on the southern edge of campus. She said, yes, that was the one.

She gave me a mirror-hanger with the date onit and said: "Follow Fuschia", which I gathered was the name of the other woman who had gone out the door. When I got outside, Fuschia was in a van waiting for me. She asked me where my car was, and waited as I backed out. She led me through the maze of campus roads to the parking lot, waited while I got out, and drove me to a different building where my meeting was scheduled. She was pleasant, professional....and it was a "wow" event.

Obviously, since I knew more or less where I was going, they could have let me go on my own, and I would not have complained, or felt slighted. But they went beyond the norm, beyond customer service to customer satisfaction. It was great.......and now I've told you! Good news travels.

Do people leave your organization with stories of staff going above and beyond? Worth considering.

11 comments:

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Anonymous said...

Debt Consolidation
Debt Help can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
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Anonymous said...

Debt Consolidation
Debt Consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset in order to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.

Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending. Certainly many, if not most, debt consolidation transactions do not involve predatory lending.

Student Loan Consolidation
In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.

Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans, 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.

Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.

Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; Experian or Transunion, which means that students will have differing credit scores at Equifax Transunion, and Experian.

Mortgage Loan Types
There are many types of mortgage loans. The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage.

In a FRM, the interest rate, and hence monthly payment, remains fixed for the life (or term) of the loan. In the U.S., the term is usually for 10, 15, 20, or 30 years. The only increase a consumer might see in their monthly payments would result from an increase in their property taxes or insurance rates (paid using an escrow account, if they've opted to use an escrow). But payments for principal and interest will be consistent throughout the life of the loan using an FRM.

In an ARM, the interest rate is fixed for a period of time, after which it will periodically (annually or monthly) adjust up or down to some market index. Common indices in the U.S. include the Prime Rate, the London Interbank Offered Rate (LIBOR), and the Treasury Index ("T-Bill"). Other indexes like 11th District Cost of Funds Index, COSI, and MTA, are also available but are less popular.

Adjustable rates transfer part of the interest rate risk from the lender to the borrower, and thus are widely used where unpredictable interest rates make fixed rate loans difficult to obtain. Since the risk is transferred, lenders will usually make the initial interest rate of the ARM's note anywhere from 0.5% to 2% lower than the average 30-year fixed rate.

In most scenarios, the savings from an ARM outweigh its risks, making them an attractive option for people who are planning to keep a mortgage for ten years or less.

Additionally, lenders rely on credit reports and credit scores derived from them. The higher the score, the more creditworthy the borrower is assumed to be. Favorable interest rates are offered to buyers with high scores. Lower scores indicate higher risk to the lender, and lenders require higher interest rates in such scenarios to compensate for increased risk.

A partial amortization or balloon loan is one where the amount of monthly payments due are calculated (amortized) over a certain term, but the outstanding principal balance is due at some point short of that term. This payment is sometimes referred to as a "balloon payment". A balloon loan can be either a Fixed or Adjustable in terms of the Interest Rate. Many Second Trust mortgages use this feature. The most common way of describing a ''balloon loan'' uses the terminology X due in Y, where X is the number of years over which the loan is amortized, and Y is the year in which the principal balance is due. A contract could be written up so there would be more than one "balloon payment" required to be paid during the life of the loan.

Other loan types
Assumed mortgage
Blanket loan
Bridge loan
Budget loan
Commercial Loan
Deed of trust
Equity loan
Hard money loan
Jumbo mortgages
Package loan
Participation mortgage
Reverse mortgage
Repayment mortgage
Seasoned mortgage
Term loan or Interest-only loan
Wraparound mortgage
Negative amortization loan
Non-Conforming Mortgage


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Anonymous said...

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In my position with my legs above my head when she let it go it was laying on my bent stomach next to my dripping cock. I watched as she reached in and pulled my last ball from my bag. It was strangely erotic to see my sac lay flat and empty with both my nuts laying next to my erection. Then she untied my legs from the headboard and removed the leg spreader. She was careful to make sure my naked balls didn't get stuck under my ass. Then she took both balls in her hand and held them firmly while she uncuffed my wrists. I immediately tried to remove her hand from my balls but she just applied a little pressure and I just laid there ready to accept her command. She told me to get up and held my balls as I did so. My cock was ready to explode, I was living out a fantasy and my cock had a mind of its own. She reached between my legs and switched hands on my balls. She lifted them up and I could feel the cords to my balls going up the crack of my ass as she lead me into the bathroom. 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My heart was racing my cock was hard, I looked at my wife, cut it off now put your little cock to sleep for the rest of your life. I looked down and snipped it off and watched it join its brother at the bottom of the toilet. Both sets of cords had snapped back inside my empty sac now that the weight had been removed. My wife was rubbing my back and said go ahead honey beat your little cock off before it is to late. I took hold of my cock and watched my empty bag flop around and I beat my meat. Then as I was approaching what was sure to be the best orgasm of my life I felt the heat from the shot she had given me warm up my legs and was traveling up and soon hit my pubic area and stomach then my face. I felt flush and looked at my wife. She was smiling, that was a heavy dose of female hormones I gave you, I wanted to make sure that your cock would never raise his head again. You better hurry and come while you still can. I must of looked funny masturbating so fast, she was giggling. I was close to coming again when suddenly my cock started to go flaccid. I wanted to come so bad I kept at it but my cock kind of felt numb and I couldn't get it to fire off. After about 3 minutes I had gone completely limp, my last orgasm denied me forever. I sat on the edge of the tub looking depressed as my wife sewed up my empty sac. She had me make her breakfast naked and I continually looked down at my sleeping cock and empty droopy sac
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Anonymous said...


Judicial Foreclosure

The judicial process of foreclosure, which involves filing a lawsuit to obtain a court order to foreclose, is used when no power of sale is present in the mortgage or deed of trust. Generally, after the court declares a foreclosure, your home will be auctioned off to the highest bidder.

Using this type of foreclosure process, lenders may seek a deficiency judgment and under certain circumstances, the borrower may have up to one (1) year to redeem the property.

Non-Judicial Foreclosure

The non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A "power of sale" clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the "Power of Sale Foreclosure Guidelines".

Power of Sale Foreclosure Guidelines

If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows:
A notice of sale must be: 1) recorded in the county where the property is located at least fourteen (14) days prior to the sale; 2) mailed by certified, return receipt requested, to the borrower at least twenty (20) days before the sale; 3) posted on the property itself at least twenty (20) days before the sale; and 4) posted in one (1) public place in the county where the property is to be sold.
The notice of sale must contain the time and location of the foreclosure sale, as well as the property address, the trustee's name, address and phone number and a statement that the property will be sold at auction.

The borrower has up until five days before the foreclosure sale to cure the default and stop the process.
The sale may be held on any business day between the hours of 9:00 am and 5:00 pm and must take place at the location specified in the notice of sale. The trustee may require proof of the bidders ability to pay their full bid amount. Anyone may bid at the sale, which must be made at public auction to the highest bidder. If necessary, the sale may be postponed by announcement at the time and location of the original foreclosure sale.

Lenders may not seek a deficiency judgment after a non-judicial foreclosure sale and the borrower has no rights of redemption..



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