With the advancement of computer simulators, anybody can repeat all the business routines before he goes to the field, and have the opportunity of relaxing from the tedious work with numbers. The businessman can concentrate more on the human factors: The Customer Service, the relationships among fellow workers, and self care. The occupation with Human factors is obligation to deal with emotions. Emotions volumes are not measurable accurately,...more
Borrowing money has become more and more popular in the UK over recent years, and this is partly due to the fact that it has become far easier to borrow money. The rising popularity of consumer finance has also been aided by the wide variety of deals and the low interest rates available these days. Secured loans have become very popular with those that own property, and this type of finance deal offers affordability and excellent value for money....more
There are many reasons why people get into debt - some of them self inflicted and some of them way outside of our control. Losing a job, illness or accidents, all of these can suddenly plunge one into unexpected expenditure, and often the only way to deal with the emergency is to use debt. There is a tendency, however, to keep on borrowing once you start. This is because the process becomes so easy - credit card companies and banks seem keen to throw cash at you, and the interest payments, when regarded individually, often seem insignificant. Before you know it, you are deep in debt, owing money to several institutions and card companies, and the bills are mounting. This is the stage when one starts to notice infomercials and TV ads for 'debt consolidation'. Put simply, debt consolidation involves replacing a number of smaller debts at varying rates and conditions with one single 'super' debt at a single (often lower) interest rate and set of conditions. For some people, consolidating debt may be a good thing - for other people it may be bad. It all depends on an individual's circumstances. To explore this, lets look at the types of debt.Some debts are...more
Your business is successful, but now your ready to take it to the next level and begin accepting credit card transactions, or you have already taken this step but your feeling that your merchant account provider has high fees and your not sure what to do, or what other providers are out there? You can save hundred's even thousand's of...more
You do your best to make sure your organization is operating as effectively as possible. But if your policies and procedures are incomplete, outdated, or inconsistent, then they are not driving the performance improvement they should. When employees try to use incomplete or undefined procedures, waste and costly errors soon follow.Case Study:...more
These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Some of us tend to carry a balance, so we need a low interest credit card. Others pay off their card each month and so don't pay any interest. They are more concerned with having a credit card that has no annual fee. These days, with so much competition between credit card companies, you can get so much more. You can get 0% introductory APRs, free balance transfers, and a whole host of exciting credit card rewards: travel, shopping, even points toward college tuition! You get credit card offers in the mail every day. And you do need to make sure that you are using the credit card that is best for you. Instead of sifting through all those credit card offers in the mail, why not go online and check out the incredible offerings of credit card reward programs? In addition to getting the best credit card for you, as well as any perks that come with the card, you will earn a cash reward, just for signing up for your favorite low interest credit card online! Credit card reward programs allow you to...more
Here's a newsflash: Cover letters work, plain and simple. This is why I'm intrigued by the fact that a) jobseekers rarely submit them and b) hiring managers seldom read them. As a result, I started asking questions. Specifically,...more
Are you frustrated by the lack of growth in your firm, or the effort required to squeeze any up-tick in performance? Are inadequate policies and procedures a root cause? To find out, take this simple self assessment to see if this may be inhibiting...more
A common remedy for improving your time management is to develop the ability of saying, "NO." Since it is easier to recommend than to do, here are some tips on how to do it.1. Start with your own attitude. What is your self perception when you say,...more
Introducing new products or services, bringing new people on board, developing a new process or procedure, installing new equipment, change seems to be the one constant in business today and change always seems to drive a need for training. In...more
Consumer BorrowingConsumer borrowing in the UK has now crashed through the £1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on...more
What's REALLY potent for a business, non-profit or association manager is public relations' ability to alter individual perception leading to changed behaviors. And then, to persuade those key outside folks to the manager's way of...more