Understanding and taking the right approach to eliminating debt is the most important step you need to take. Learn that now and get started.Realizing that you have a debt problemFace it: You don't want to be saddled with debt anymore! But like some powerful addictions out therealcohol, nicotine, gamblingdebt can be hard to shake off and even harder to stay away from. The act of spending money is something that gives great therapy to most...more
Debt consolidation? Debt settlement? Bankruptcy? They can all hurt your credit score, but which way is the best way to eliminate debt?Consolidating debt with the wrong companyIf you're in a bind with debt, struggling to maintain a healthy credit score or just frustrated by the current state of your finances, there's a good chance that you're at-risk to fall victim to one of the many credit killers lurking the world today. Bad credit can be a real...more
Regardless of whether this is your first or tenth time negotiating with your creditors, there are some things you simply should not say.Making unnecessary demands on your debt paymentsAre you preparing to try and negotiate lower debt payments with your creditors? Wondering what to say or how to approach the topic without getting rejected? Well, there are plenty of things you should say or do to help the negotiation process move along smoothly, but there are also some things that you should never, ever say when you're trying to negotiate your debt payments efficiently.One of these things is to make unnecessary demands on your creditor in order to lower your debt payment. The truth is that there are millions of people out there struggling with debt and wishing they could lower their payments to creditors. They wish they could get rid of their debt altogether and start living happier without it. But creditors simply cannot negotiate with every single one in order to help. Rather, they offer negotiation to those who are truly struggling and suffering with debtand you better believe that they do so only to cover themselves financially and make sure that those who truly cannot afford...more
Ever feel like you just can't pay off your debt quick enough? Here are some ways your credit card creditor may be holding you down.Increasing your credit card interest ratesDo you walk out to your mailbox every month, snatch up your bills and wonder: 'How am I ever going to be able to pay all this debt off?' It's a thought that rushes through the...more
HR leaders must know how to thread their way through the ins and outs of outsourcing before their organizations can build an effective HR solution.Although HR professionals have been using outsourcing in one way or another for many years, the trend continues to gather steam. A growing number of organizations are outsourcing at least some of their...more
So many clients have been telling me they're launching new teams this month. But there's a catch - these are new teams made of "old parts," which is to say no brand new employees are on the teams. The teams are comprised entirely of managers, professionals, and staff who have been reorganized to better meet market demand.Is it any different launching a brand new team vs. a reorganized one? I don't think so, but it's easier to blow it, because of assumptions you make about people you already know. The steps are the same; it's the nuances that are different.Most leaders and their direct reports do a fantastic job of addressing the goals and business objectives of the team and of planning the tasks to be done. It's the building of relationships that is too scant or poorly executed, and this is why it's essential to build a relationship with each new team member, and to get any relationship issues out on the table so they can be addressed. If you don't have time to deal with relationships now, when exactly will you? This also gives you a chance to spend time with new team members and learn who's on board and ready to move forward with you and who isn't.Let's look a little more closely...more
What is Lean Six Sigma?http://www.100pceffectivetraining.com/leansixsigmaLean Six Sigma is a business improvement methodology which combines (as the name implies) tools from both Lean Enterprise (Manufacturing) and Six Sigma. Lean eliminates the...more
Have you ever thought about or noticed a competitor utilizing "thoughtleading" as a business development strategy? Positioning yourself and your firm as leading-edge thinkers in your field involves publishing articles and books, speaking regularly...more
How Automation Assists Sponsors, Facility Management Personnel, Study Directors and QAUs Comply with Good Laboratory PracticesMaintaining a quality system that complies with the FDA's GLP regulations requires the cooperation of four groups and/or...more
If we told you that there are only four ways to make money, would that feel less overwhelming? At The Money Gym we subscribe to Malcolm Gladwell's theory as laid out in The Tipping Point - anything between 3 and 7 is a good number.By breaking it...more
Sales begin from the bottom-up or the top-down. They can begin internally from a perceived need, or they can begin externally from a marketing presentation. No matter how the sale initiates it ends with the executive in charge of the decision...more
When considering whether or not to buy a property in Polandas an investment it seems prudent to look for expert advice.Is now a good time to buy? Which area is the best to choose?Will the real estate rise in value? But by looking at thehistorical...more