Introduction
The social policy team at The UK Insolvency Helpline is becoming increasingly concerned that individual voluntary arrangements (IVAs), the popular alternative to bankruptcy, are in some cases being mis-sold by the multitude of 'IVA factories' which have sprung up over the past few years.
Our own specialist IVA advice unit receives over 100 calls a day from people being poorly advised by many profit-making advertising debt firms and persuaded that an IVA is right for them in circumstances where it clearly is not suitable.
Why use an IVA?
An IVA allows a debtor to reach an agreement with his or her creditors to wipe off some of the money owed in exchange for reduced monthly payments. The IVA company then formulates the repayment plan, typically lasting five years, with the creditors.
Our IVA unit state that IVA applications have doubled in each of the past two years and is predicted to reach it highest in 2007. They are popular because they avoid the stigma of bankruptcy and allow debtors to retain assets, including their homes.
Please note that IVAs are not suitable for everyone and come at a price with most firms charging huge upfront fees of up to £1,500 before work is commenced. These fee charging rogue companies are misleading their clients who can get a better service for no cost upfront.
There are set criteria which someone has to meet before they are put on an IVA. One of these is that they have to have a surplus income of £200 a month at least. You must also have at least 3 separate creditors.
Example of bad IVA advice
One horrific example of bad IVA advice is a nurse based in Cardiff who contacted a debt company after seeing a flashy TV advert and was advised to apply for an IVA. She then contacted The UK Insolvency Helpline because she was concerned that her monthly repayments were unaffordable - they had been assessed on income that included her son's disability allowance.
The UK Insolvency Helpline’s own IVA advice team offers comprehensive advice on the topic of IVAs so that people are aware of the fees involved. In reality fees should be included in the monthly repayments of an IV, not charged upfront.
The UK Insolvency Helpline are in constant touch with the authorities providing dossiers of complaints about the profit making debt advice industry breaching advertising rules by making exaggerated claims about their ability to write-off debts to banks and other lenders.
Like many consumer groups and banks the UK Insolvency Helpline is concerned that people may be being encouraged by unscrupulous IVA companies to commit to IVAs, even where this may not be the right course of action. These companies aren't always properly informing their customers about the fees they charge for arranging an IVA, or about the adverse effects of IVAs on credit ratings.
The IVA advice unit is concerned about the quality of advice given by IVA advisers to consumers. Firm action must be taken against any IVA company found to be issuing false or misleading advice.
People with debts are morally obliged to repay them. How much they repay depends on their circumstances. We conduct a thorough review of their income and outgoings before contacting creditors. It is not right to help people avoid their legal liabilities.
The IVA advice unit is hearing from customers who are being told an IVA won't appear on their credit rating when the reality is that it will. Some companies are giving the impression that this solution has a much smaller impact than it does.While all IVAs must be sold by a registered insolvency practitioner, there is no regulation of the companies employing the practitioners or of the front-line staff. The IVA advice unit want the government to step in. 'One third of IVAs fail in the first two to three years. If there is mis-selling, more will fail.
The IVA advice unit is urging people to weigh up all the options before signing up to any type of arrangement. 'If you have a debt problem, an IVA could be the best option because it could stop you having to lose your home, for example. It could be an absolutely dreadful option. Our IVA team can help to negotiate the minefield of options.
Individual Voluntary Arrangement applications up 118% in 2006
The number of people applying for an Individual Voluntary Arrangement (IVA) grew at a rate of 118% in 2006. The estimated number of insolvencies for 2007 has risen to 150,000 and for the first time ever, it’s been predicted that more of these will be serviced by IVAs than Bankruptcies.
But is an IVA really a more effective tool for servicing insurmountable amounts of debt than bankruptcy? Obvious advantages are that in most cases, people who apply for an IVA manage to maintain ownership of their properties and also avoid the public humiliation of a bankruptcy.
In reality, you have to determine whether you can even afford to meet the terms of an Individual Voluntary Arrangement i.e. the monthly repayments before you can make the decision to file for the procedure. In some cases, a personal bankruptcy can be the only way out for people with tremendous debt and no possible way of paying even a small amount back to the creditors.
14 kinds of English letters of the outside trade business are greatly whole
1 claim establishment business commission
Rogers Chemical Supply Co. 10E.22Street Omaha8,Neb Gentlemen: We have obtained your name and address from Aristo Shoes, Milan , and we are writing to enquire whether you would be willing to establish business relations with us. We have been importers of shoes for many years. At present, We are interested in extending our, range and would appreciate your catalogues and quotations.If your prices are competitive we would expect to transact a significant volume of business. We look forward to your early reply.
2.Reply the claim of the other party establishment business commission
Thank your for your letter of the 16th of this month. We shall be glad to enter into business relations with your company. In compliance with your request, we are sending you, under separate cover, our latest catalogue and price list covering our export range. Payment should be made by irrevocable and confirmed letter of credit. Should you wish to place an order, please telex or fax us.
3.The claim holds the post of sole agent
We would like to inform you that we act on a sole agency basis fora number of manufacturers. We specialize in finished cotton goods for the Middle eastern market: Our activities cover all types of household linen. Until now , we have been working with your textiles department and our collaboration has proved to be mutually beneficial. Please refer to them for any information regarding our company. We are very interested in an exclusive arrangement with your factoryfor the promotion of your products in Bahrain. We look forward to your early reply.
4.Refuse the other party holds the post of sole agent
Thank you for your letter of 1 September suggesting that we grant you a sole agency for our household linens. I regret to say that, at this stage ,such an arrangement would berather premature. We would, however, be willing to engage in a trial collaboration with you company to see how the arrangement works. It would be necessary for you to test the market for our productsat you end. You would also have to build up a much larger turnover tojustify a sole agency. We enclose price lists covering all the products you are interested in and look forward to hearing from you soon.
5.Agree the other party holds the post of sole agent
Thank you for your letter of 12 April proposing a sole agency for our office machines. We have examined our long and ,I must say ,mutually beneficial collaboration. We would be very pleased to entrust you with the sole agency for Bahrain. From our records, we are pleased to note that you have two service engineers who took training courses at our Milan factory .the sole agency will naturally be contingent on you maintaining qualified aftersales staff. We have drawn up a draft agreement that is enclosed. Please examine the detailed terms and conditions and let us know whether they meet with your approval. On a personal note, I must say that I am delighted that we are probably going to strengthen our relationship. I have very pleasant memories of my last visit to Bahrain when you entertained me so delightfully .I look forward to reciprocating on your next visit to Milan . My very best wishes to you and your wife.
6.Borrow to lead the establishment business relation
At the beginning of this month , I attended the Harrogate toy fair. While there , I had an interesting conversation with Mr. Douglas Gage of Edutoys plc about selecting an agency for our teaching aids. Douglas described your dynamic sales force and innovative approach to marketing. He attributed his own company's success to your excellent distribution network which has served him for several years. We need an organization like yours to launch our products in the UK. Our teaching aids cover the whole field of primary education in all subjects .Our patented ‘Matrix’ math apparatus is particularly successful. You may have reservations about American teaching aids suiting your market. This is not a problem since we have a complete range of British English versions. I enclose an illustrated catalogue of our British English editions for your information. Please let me have your reactions to the material. I shall be in London during the first two weeks of October .Perhaps we could arrange a meeting to discuss our proposal.
7.Invite a visit trade exposition
Many thanks for your letter and enclosures of 12 September. We were very interested to hear that you are looking for an UK distributor for your teaching aids. We would like to invite you to visit our booth,no.6,at next month's London Toy Fair, at Earl's court , which starts on 2 October. If you would like to set up an appointment during non exhibit hall hours please call me. I can then arrange for our sensor staff to be present at the meeting. We look forward to hearing from you.
8. With had the company of trade the contacts contact in the past
We understand from our trade contacts that your company has reestablished itself in Beirut and is once again trading successfully in your region. We would like to extend our congratulations and offer our very best wishes for your continued success. Before the war in Lebanon , our companies were involved in a large volume of trade in our textiles. We see from our records that you were among our best tem customers. We very much hope that we can resume our mutually beneficial relationship now that peace has returned to Lebanon. Since we last traded, our lines have changed beyond recognition. While they reflect current European taste in fabrics, some of our designs are specifically targeted at the Middle Eastern market. As an initial step , I enclose our illustrated catalogue for your perusal. Should you wish to receive samples for closer inspection, we will be very happy to forward them. We look forward to hearing from you.
9.Confirm an appointment
I would like to confirm our appointment to discuss the possibility of merging our distribution networks. I am excited of the prospect ofexpanding our trade. As agreed, We will meet of our office in bond street at 9.30a.m.on Monday 20 March. I have scheduled the whole day for the meeting. If for any reason you are unable to attend , please phone me so that we can make alternative arrangements. Please let me know if you would like our office to arrange hotel accommodation. I look forward with great pleasure to our meeting.
10.The thankful customer order
Gillette-burns Co. 322 Gleenwood street Gleveland 5,Ohio Glentlemen: Thank you for your order no,464 of 20 september. The models you selected from our showroom went out today under my personal supervision.The package is being airfreghted to you on swissair.The relevant documentation is enclosce.I enjoyed meeting yiu and hope that this order represents the beginning of a long and prosperous relationship between oiur companies. The next time you visit us ,please let me know in advance so that I can arrange a luch for you with our derectors. Sincerely yours
11.Promote a new product toward the long-term customer
I enclose an illustrated supplement toour catalogue. It covers the latest designs which are now available from stock. We are most gratified that you have, for several yeas. Include a selection of our products in your mail-order catalogues. The resulting sales have been very steady. We believe that you will find our new designs most attractive. Theyshould get a very good reception in your market. Once you have had time to study the upplement , please let us know if you would like to take the matter further. We would be very happy to send samples to you for closer inspection. For your information, we are planning a range of classical English dinner services which ,should do well in the North American market. We will keep you informed on our progress and look forward to hearingfrom you.
12. Solicit an advertisement for company's guidebook
Thank you for your business. You arecurrently represented in our directory. This is the only directory of its kind which reaches all companies in the building and construction industry in the UK. Advertising in our directory was a wise move on your part. We are currently compiling a new edition of the directory which willbe published in April 1995.The new edition will be expanded to include major manufacturers of plumbing equipment in the European Community. For proper coverage in the directory, you ought to appear in more than one category. If you do opt for a multiple listing, you will be ableto buy space in additional categories at half price. You can be assured that the new edition will be on the desks of allthe major decision makers in the building and hardware trades. Please complete the enclosed form and return it with the appropriate fee. Thanks again for your business.
13. Request the customer makes to recommend a person
Thank you for your letter of 2 November. We are delighted to hear that you are to pleased with the refurbishment of your hotel. As your know .in our line of work, we depend on good ,reports about our projects to win further business. Our clients always shop around and look for references before committing themselves. With your permission, we would like to use your hotel as a reference when we discuss similar refurbishments in the hotel industry . Would you agree to our suggesting that future clients should call you? It would also be most helpful if we could occasionally bring a client to look at your hotel . We would , of course , stay overnight at least.I'll call you next week to hear your reaction. Thanks again for you kind words.
14. Notify the customer's price adjust
We enclose our new catalogue and price list. The revised prices will apply from 1 April 1997. You will see that there have been number of changes in our product range. A number of improved models have been introduced. Out range of washing machines has been completely revamped. Many popular lines, however, have been retained unchanged. You will be aware that inflation is affecting industry as a whole .Ws have been affected like everyone else and some price increases havebeen unavoidable. We have not, however, increased our prices across the board, In many cases, there is a small price increase, but in others, none at all. We can assure you that the quality of our consumer durables has been maintained at a high standard and that our service will continueto be first class. We look forward to receiving your orders.
西联汇款(WESTERN UNION)可以在全球大多数国家的西联代理所在地汇出和提款，客户可以按照以下提供的方法办理西联汇款业务，如果有任何不清楚的地方可以登录西联网站(www.westernunion.com)或直接联系其美国客户服务部：
Customer Service in English:
WESTERN UNION FINANCIAL SERVICE,LNC.
100 Summit Avenue,Montvalc,New Jersey USA 07645
FOR CUSTOMER SERVICE IN THE U.S,PLEASE CALL:314-298-2313
第一步：寻找您当地所在地区的西联汇款(WESTERN UNION)的代理点：
一般银行等金融机构都包含这项服务，例如在中国地区的代理机构就是中国邮政或者中国农业银行，而且可以咨询当地银行机构或者联系美国客户服务部了解自己当地的代理机构联系方法；当然您也可以在西联网站(www.westernunion.com)上使用银行卡在线汇款
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第二步：将你的汇款信息告知对方：
地 址：北京市**区**路**号****
邮 编：100101
电 话：********
收汇人：小鱼头(Xiao Yutou)要有英文！
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第三步：填写西联汇款(WESTERN UNION)汇款单
这个单据的填写非常简单，您可以在西联代理服务人员帮助下几分钟填写完毕，而且您要注意以下几点：
1．请按照西联汇款兑换卡拉规则汇款，例如400元人民币的卡拉，你需要汇入400/100*12.98 1=52.92美元
2．输入验证身份问题(Test Question)和答案(Answer)，由您自由撰写（必须记住它们）
3．获得西联返回的汇款监控号码(Money Transfer Control No.)（汇票号码），一定要记牢噢！
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第四步：最后对方汇款后让他写信给你告知以下信息！要注明是西联汇款(WESTERN UNION)：
1．您的姓名（中英文）、汇款金额（币种和数额），汇出国家、省、城市（英文）；
2．云网会员登录名、会员编号、汇款时间；
3．汇款监控号码(Money Transfer Control No.)（汇票号码）；
4．验证身份问题(Test Question)和答案(Answer)。
请注意，由于西联汇款是通知性汇款，即使您的钱到了，我们也只能根据您的这个通知前去取款，因此汇款后发给我们电子邮件或者传真确认是非常重要的，我们获得通知后就会前往西联的中国代理机构取款，取到款后我们会在2个工作日内向您的会员账户中添加卡拉（用西联汇款购买卡拉，有一定的兑换规则，如下），然后您会收到卡拉添加成功通知单，登录91see影院您便可以用卡拉随心所欲地进行消费了。
西联汇款兑换卡拉规则如下：
·每12美元兑换 100 卡拉
·每笔 处理费用为 1 美元
例如收到汇款 200美元
·先扣除处理费 1 美元, 还有余款199美元
·再通过如下公式进行兑换计算：(199/12) * 100 = 1658.33 卡拉
不过西联手续费很贵！！NND我收95$他一共花了125$！！！
最后忘记说了！取西联的钱最好去大的邮局或者大的农业银行去取！小的银行没有凭证取不了的！！
从一个地方抄的，稍微改了下
1 I've come to make sure that your stay in Beijing is a pleasant one.我特地为你们安排使你们在北京的逗留愉快。
2 You're going out of your way for us, I believe.我相信这是对我们的特殊照顾了。
3 It's just the matter of the schedule,that is,if it is convenient for you right now.如果你们感到方便的话，我想现在讨论一下曰程安排的问题。
4 I think we can draw up a tentative plan now.我认为现在可以先草拟一具临时方案。
5 If he wants to make any changes,minor alternations can be made then.如果他有什么意见的话，我们还可以对计划稍加修改。
6 Is there any way of ensuring we'll have enough time for our talks?我们是否能保证有充足的时间来谈判？
7 So our evenings will be quite full then?那么我们的活动在晚上也安排满了吗？
8 We'll leave some evenings free,that is,if it is all right with you.如果你们愿意的话，我们想留几个晚上供你们自由支配。
9 We'd have to compare notes on what we've discussed during the day.我们想用点时间来研究讨论一下白天谈判的情况。 l
10 That'll put us both in the picture.这样双方都能了解全面的情况。
11 Then we'd have some ideas of what you'll be needing.那么我们就会心中有点儿数，知道你们需要什么了。
12 I can't say for certain off-hand.我还不能马上说定。
13 Better have something we can get our hands on rather than just spend all our time talking.有些实际材料拿到手总比坐着闲聊强。
14 It'll be easier for us to get down to facts then.这样就容易进行实质性的谈判了。
15 But wouldn't you like to spend an extra day or two here?你们不愿意在北京多待一天吗？
16 I'm afraid that won't be possible,much as we'd like to.尽管我们很想这样做，但恐怕不行了。
17 We've got to report back to the head office.我们还要回去向总部汇报情况呢。
18 Thank you for you cooperation.谢谢你们的合作。
19 We've arranged our schedule without any trouble.我们已经很顺利地把活动曰程安排好了。
20 Here is a copy of itinerary we have worked out for you and your friends.Would you please have a look at it?这是我们为你和你的朋友拟定的活动曰程安排。请过目一下，好吗？
21 If you have any questions on the details， feel free to ask.如果对某些细节有意见的话，请提出来。
22 I can see you have put a lot of time into it.我相信你在制定这个计划上一定花了不少精力吧。
23 We really wish you'll have a pleasant stay here.我们真诚地希望你们在这里过得愉快。
24 I wonder if it is possible to arrange shopping for us.我想能否在我们访问结束时为我们安排一点时间购物。
25 Welcome to our factory.欢迎到我们工厂来。
26 I've been looking forward to visiting your factory.我一直都盼望着参观贵厂。
27 You'll know our products better after this visit.参观后您会对我们的产品有更深的了解。
28 Maybe we could start with the Designing Department.也许我们可以先参观一下设计部门。
29 Then we could look at the production line.然后我们再去看看生产线。
30 These drawings on the wall are process sheets.墙上的图表是工艺流程表。
31 They describe how each process goes on to the next.表述着每道工艺间的衔接情况。
32 We are running on two shifts.我们实行的工作是两班倒。
33 Almost every process is computerized.几乎每一道工艺都是由电脑控制的。
34 The efficiency is greatly raised,and the intensity of labor is decreased.工作效率大大地提高了，而劳动强度却降低了。
35 All produets have to go through five checks in the whole process.所有产品在整个生产过程中得通过五道质量检查关。
36 We believe that the quality is the soul of an enterprise.我们认为质量是一个企业的灵魂。
37 Therefore,we always put quality as the first consideration.因而，我们总是把质量放在第一位来考虑。
38 Quality is even more important than quantity.质量比数量更为重要。
39 I hope my visit does not cause you too much trouble.我希望这次来参观没有给你们增添太多的麻烦。
40 Do we have to wear the helmets?我们得戴上防护帽吗？
41 Is the production line fully automatic?生产线是全自动的吗？ 42 What kind of quality control do you have?你们用什么办法来控制质量呢？
43 All products have to pass strict inspection before they go out.所有产品出厂前必须要经过严格检查。
44 What's your general impression,may I ask?不知您对我们厂总的印象如何？
45 I'm impressed by your approach to business.你们经营业务的方法给我留下了很深的印象。
46 The product gives you an edge over your competitors,I guess.我认为你们的产品可以使你们胜过竞争对手。
47 No one can match us so far as quality is concerned.就质量而言，没有任何厂家能和我们相比。
48 I think we may be able to work together in the future.我想也许将来我们可以合作。
49 We are thinking of expanding into the Chinese market.我们想把生意扩大到中国市场.
50 The purpose of my coming here is to inquire about possibilities of establishing trade relations with your company.我此行的目的正是想探询与贵公司建立贸易关系的可能性。
(日记在逐渐更新ING........谢谢大家耐心等待啊)
一个外贸新人的实习日记
还有一年就要告别大学生活了，即将踏入社会，我们不再事温室的花朵，必然要参与到大自然的竞争中去，优胜劣汰十大自然的法则，不是大自然太残酷，也不是社会太无情，没有人会同情你，只有用自己的奋斗来向世人表明你也是会成功的。
由学生一下变成公司职员，这个角色的转变不只有180度那么简单。也不是所有的人都能适应的，因此实习则成了大学生必不可少的一个重要环节，学校之所以重视学生的实习情况，是因为花朵只有经历风雨才能开的更灿烂，应了解学校的良苦用心。
暴风雨总是会来的，我们不应该甘心把头埋在父母的羽翼下，我们应该展翅高飞，用我们的努力搏击天空。我这个人不是很会驾驭文字，只会用普普通通的话来展露我的心情，现在我会陆续把我的实习经历打上来，和大家分享。（未完待续）
一个外贸新人的实习日记
今天是我开始实习的第一天，心里又期盼又有点紧张，早上七点就再也躺不住了，就像往常一样洗漱，吃饭，可心里总七上八下的，担心这个，担心那个，可时间不等人啊，心里想着妈妈的话：只要做好充分的准备就能应付一切了。眼看上班的时间就要到了，我换好实习用的套装就出发了，心里想着第一天去应该给大家留下个好的印象，就更不能迟到了，脚下就更起劲了。
实习的单位离我家不远，只有5分钟车程，快到公司时，我远远的看到我的好朋友兼我的实习介绍人梁英在公司门口等我，说我来得还挺早，我说那当然了，怕我第一天来不知道怎么办，所以来给我安排一下，其实她的工作就是领导新入公司员工的工作，临进公司门时他说，鉴于你不是本公司的签约员工，不受公司管制哦。当然你要好好做啊。我心想，他意思就是说我既不受公司管，那肯定公司不会太重视我吧。然后说，小梁，咱们朋友一场，听公司的安排就是了。我开玩笑的说了说。我俩相视一笑，一前一后进了公司。
碰巧今天是星期一，公司的总经理要来公司转转，我朋友小梁说，咱们先在侯客厅等会，等大家都来了，我领你认识认识，并参观一下公司，而且今天公司的老板也回来，我也给你引见一下，好多学习学习啊。我一听，小梁还真够意思啊，但心里又添了一点紧张，小梁好像看出了我的担心，说，不要紧张，老板他人很好的，平易近人而且还挺关心新人的，见了他的时候，你想怎么说就怎么说，千万别装模做样的啊，老板挺喜欢有创新的员工啊。经他这么一说，我也放松了好多，丑媳妇总要见公婆的嘛，就当是工作前的一个演习吧。
就在我俩在侯客厅说笑的时候，看到一个40多岁，但着装非常朴素，又很有气质的一个人走过，梁英说那个就是我们老板王总，以后你们少不了见面的，走，我领你认识一下。说着就站起来说，王总，您好！王总回过头来看到我们，我也赶紧站起来，王总说，原来是小梁啊。他又看了我一下说，这位是？小梁赶紧说，他叫XXX，学习国贸的本科生，想到咱们公司实习一下。我也忙着接话说，王总，您好！请您多指教。王总听完我的介绍，看我有点紧张，主动和我握手，当时我真的受宠若惊啊。王总说，别站着了，到我办公室谈谈吧，我俩高兴的 跟他进了办公室。
我用眼角扫了一下王总的办公室，用一句广告词来说就是简约而不简单啊。王总示意我们在他的办公桌前坐下，我又详细的向王总介绍了一下我的情况，并对王总的一些问题进行了回答。王总确实人很好，一点架子都没有，我们谈话很轻松的。过了一会，王总说，今天先谈到这吧，先让小梁带你熟悉一下公司，你有问题可以问他，若你毕业了，有意思的话可以来我们公司工作。我非常感激王总赏识，忙点头说，谢谢王总。就这样我们离开了王总的办公室。
小梁给我介绍说，这个公司其实人挺多的，只是在办公室的人不多，尤其在XX市的分公司，今天先给你介绍一下，现在办公室有的人吧，会计小李，后勤小王，业务头赵哥，还有公关刘姐，还有下面给他们打杂的，人现在不在，回头再给你认识吧，现在公司规模还小，你先跟着大家做，公司生意比较少，你先打打杂吧，我说，没问题了。心想不是人家公司编制的人先学学再说呗。
和大家都认识一后，刘姐说，小代，现在公司也没什么重要的事情让你做，你先帮我接下电话吧，要是有业务方面的是事情就找赵哥吧，别的就通知我好了，我说ok。就这样，在电话的此起彼伏中，我完成了第一天的实习工作。
一个外贸新人的实习日记经过第一天没任何意义的接电话的工作，我还真有点累了，临睡时还想这样的实习太没意思了，一点也不刺激，又一想万事开头难啊。等第二天天一亮我还是马上起床了，心想每天都应该有希望，心中立刻充满了力量啊。
今天我早早的来到公司，公司还没有人来，看到公司有点乱，就找来扫把和拖把，稍微把公司整理了一下。就在这是刘姐来了，说，小代，来的还挺早嘛，谢谢你把公司打扫的这么干净啊。我也向刘姐回了个好，我说，没什么，举手之劳了。刘姐看着只有25，26吧，但人很干练，说话也很有水平，好像她天生就有那种气质，就像磁石一样能吸引所有的人。刘姐也许是我在那坐着没事干，就过来和我聊天，说我昨天表现的不错，并解释并不是为难我这个大学生，是想让我从基层做起，好慢慢的熟悉我们公司的工作流程啊，其实我心里也十分明白，但总也想不开，经刘姐这么一说，心里热乎乎的。我向刘姐说，刘姐，我明白，我会努力学的，谢谢你啊。刘姐拍拍我的肩，笑着回到了她的办公室。
公司本来还有个经理助理，但因他出差去外地了，一会半会也回不来，刘姐就把我安排在他的办公桌了，和刘姐聊完天，我开始整理桌上的东西，到了9点左右，大家都陆续的忙了起来，和大家慢慢熟识以后，大家也便不把我当外人了，一会帮这个复印个文件，一会帮那个做个表格，一会又要打字，总之一天下来总是忙忙碌碌的，我看到别人都在忙自己的事，我不想打扰他们 ，在不忙的时候就自己打开桌上的电脑，看一些关于外贸的东西，看这些资料加上自己平时学的只是，也有亲手做外贸的冲动，但在没学好之前，还是忍住吧。
今天一天虽然很累，但毕竟比第一天学到了不少的东西，学会了用复印机，打印机。最重要的事大家都开始接受了我，我十分高兴。
一个外贸新人的实习日记
今天是实习的第三天，天气有点阴，正好给炎炎的夏日带来一丝的凉爽，对已经熟识的上班之路，本想多睡会，邓快到上班的时间再狂奔过去，就像在学校里那样，但回头一想要是那样给大家的印象多坏啊，就又充满了动力一样，精神饱满地到了公司。
我暗暗地下了决心，在我短短的实习期间我一定要每天第一个到公司，好好的学习。今天我也不例外，到了公司我还像往常那样，先打扫一下公司的卫生，继续看关于外贸知识的资料，早上刚到公司，也没什么业务，大家来了以后都在看报纸，一开始我还以为大家事忙中偷闲看会娱乐新闻，后来才知道并不是大家太无聊，还是都想通过报纸这个传媒把握当今国际形势，还有和我们公司有业务来往的国家和地区的一些新变化，这这对外贸工作者真的很重要。
唉，汇率又有波动了，总挂业务的赵哥说，我心想汇率可是牵动着一个外贸工作者心弦的问题啊，我仍继续听赵哥说，今天2006年都过半了，汇率虽然涨涨落落，但最终还会涨的，担心也没什么用的，这对出口是造成了一定的难度，但我们还是应该放心，不要因此灰心，我们政府还在那里顶着，所以只能事缓慢的增长，只要大家在价格上多多注意还是可以规避风险的，想想中国号称世界加工厂，当然是以中国廉价的劳动力为基础的，若中国商品没了价格优势，在与西方发达国家的高科技产品竞争时就更没优势了，其实现在很多发展中国家的出口也开始快速增长，并且已经在国际市场上和中国哦进行争夺，原因在于他们更低的成本所带来的更低的价格优势，已经有很多国家把订单转向这些国家，想到这，我们只能尽力从各个方面提高我们的竞争力来弥补汇率波动所带来的影响。
赵哥他们还继续聊着，我本想插几句话，想到答应小李的先把最近几天的业务用EXCEL表格打出来的，我想这也是一次学习制作财务表格的机会，就高兴的忙起来，因第一次弄，有好多不太了解的，等我都弄完了，也到了下班的时间了，看到自己做的第一份不太完美的表格，心里还蛮高兴的！
7月21日 星期五 晴
