Did you know that you could be hurting yourself by consolidating your debt with the wrong company? Here's how you could be suffering.Unnecessary debt consolidation feesIf you're in the market for a good debt consolidation company, chances are you're already struggling with money. You've fallen behind on your credit card payments again, lost track of the mortgage or simply just can't afford to survive with all the debt you've accumulated. So, the...more
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 there—alcohol, nicotine, gambling—debt 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 detriment to your life as it may disallow you from buying a new home, leasing a new car or even obtaining a new job. Maintaining good credit is something that's so important for your future as you need it to succeed in most aspects of your life.Unfortunately, when you're attempting to eliminate debt from your life, there are some credit killing methods that may seem like they're helping you, when in actuality, they're simply hurting your overall credit score. One thing that could kill your credit is consolidating your debt with a dishonest debt consolidation company. A dishonest debt consolidation company will take your debt and try to consolidate it on the surface but without an effective plan moving forward, it may not allow you to make...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,...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 HR functions.Some point to increasing cost pressures or the need to relieve staff of their administrative burden. Others say they are looking to improve their focus, access first-rate capabilities, share risks and rewards, keep up with rapidly evolving technology, deal with increasing regulatory and compliance requirements and/or to better manage continuous change.This article looks at the current state of outsourcing -- what HR is outsourcing now and why.Why Organizations Outsource: The Fact and the FictionMost HR departments have many common expectations and perceptions about outsourcing -- not all of which are true.When viewed objectively, Sibson, a strategic HR consulting division of The Segal Co., has observed that outsourcing actually does:Increase efficiency. It allows organizations to take advantage of what others have learned....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,...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