Cultural diversity is nothing new. Cultural diversity includes differences in national origin, race, ethical, language and religion.Managing or working with people from various cultures and subcultures groups can be both interesting and stimulating. However, it can also be stressful, confusing and frustrating when we do not understand what they are trying to communicate.Effective communication between people of different culture is one of the key...more
Does it sometime seem as though decision makers, economic buyers and hiring managers are residing in a gated community? As a sales person or job seeker, you don't have to grope for the access code. Learn how to reach decision makers so you too can enter the gates of sales and employment.Let's face it, half the difficulty in getting a sale or the job is getting to the decision maker to make your case. Traditionally there was a secretary or...more
A powerful strategy for business success is to, first and foremost, have a strategy.Businesses fall apart because of a lack of strategy.Many businesses go about their day-to-day activities without knowing where they're going. They just perform task after task hoping that they'll end up some place good.Sorry to say, hope is not a strategy."How are we going to get our next job or our next client?"If this question is a driving force in your business efforts then you're not thinking strategically.What is strategic thinking? What exactly is a strategy?According to the dictionary a strategy is: a carefully devised plan of action to achieve a goal.What's so important about having a strategy?A well designed strategy helps you achieve your goals through the effective use of your resources.If you have unlimited resources you probably don't have to worry about a business strategy. However, if your business is like most businesses... you probably need a strategy.When a powerful business strategy is in place it provides the fuel that drives your life and drives your actions.Tactics are the specific actions you take to carry out your plan. With no plan in place, your tactics are simply...more
There has been a rapid growth in the availability of zero per cent rates in the credit card industry. These have been caused by the combination of very low national interest rates, and the injection of fierce competition from American lenders such as Capital One. The UK credit card industry is now recognised as one of the most sophisticated and...more
Selecting the location for your business is one of the most important decisions you will make; the success of your business could depend upon it. Base your decision on sound research and fact, rather than an initial reaction.1. Know the area2. Who frequents the area?3. Observe traffic patterns4. Evaluate the convenience factor5....more
According to the New York Times "many national banks are encouraging clients with low balances to overdraw their checking accounts, allowing the banks to avoid credit laws and collect billions of dollars in new fees." You might now realize that pay day loans are actually much more economical than overdraft fees from your bank.The banks say that the overdraft programs, which cover bounced checks and allow people to overdraw their accounts, are a service to their clients. But these overdraft programs are certainly a bad deal for consumers. Unlike typical lines of credit, which charge annual interest of up to 20 percent, the new overdraft plans charge flat fees for every processed overdraft, translating into an annual interest rate of over 1,000 percent. Unlike lines of revolving credit, which allow customers to repay the loans at their convenience, these plans require clients to bring accounts back into positive balance in only a few days. While most traditional lines of credit have limits of thousands of dollars, the new overdraft plans have limits of $100 to $300. After the overdraft is expended the banks again start bouncing checks.The New York Times also states that "the rapid...more
When I started my first business I didn't have a solid, well thought-out business plan. I threw together a rough one that I used to apply for a bank loan (which I didn't get, by the way). I've found the best way to make sure a business is going to be...more
Are you thinking about beginning a home business? Chances are that you dont need to be convinced. Nevertheless, you have to be certain that you are doing the home business for the right reasons, and that you arent going to be surprised by anything...more
If you would like to purchase a home but believe you are unable to because your credit has gone through some challenges, think again, there just may be some hope for you.The mortgage industry is a very diverse one. And these days it is no longer a...more
You're looking to find a payday loan or cash advance loan company that is reputable, provides excellent service, and is properly licensed in their state of business. Also look for a payday loan site that is professionally designed and managed, run by...more
Do you want to stand out from the crowd in your business or personal life?Does the idea of free publicity appeal to you?One way to gain recognition and exposure for your business or your personal achievements is to distribute a media release.The...more
Whether you are in a new business or established one, you must have found accounting the toughest job. If you are handling the accounting work of your business, on your own it means that you have to be busy in handling and studying your company...more