4/16/09: Redding, CA. Gas station financing during the last year has had its frustrating moments that have been caused in part, by the failures of the banking industry. It seems that greed has shown that it does have the last say to those who want to capture every dollar for themselves at someone else's expense. But we have learned once again that greed, while profitable for a few, has great consequences for the masses. That said, the greedy are...more
Everybody's moaning and wailing about the crisis, and it's true, and somebody should pay for it Not those people who are paying and are going to pay of course. But let's leave the politics and talk about online opportunities History teaches that each period of economic difficulties carries in itself, along with misery and tears for many, also great, often unexpected opportunities for some For people who are able to notice them And catch...more
Having trouble paying your bills? Getting phone calls and threatening notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt negotiation is yet another option. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.Self-HelpDeveloping a BudgetThe first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Start by listing your income from all sources. Then, list your "fixed" expenses those that are the same each month like mortgage payments or rent, car...more
Tackling CSR - Corporate Social ResponsibilityOne of the most challenging things a company can face is how to decide what form their CSR strategy might take.Do we take a holistic approach and look at all of the potential pillars in terms of our social, ethical and environmental impact? Do we bite one off and square up our carbon impact? Do we get...more
Have you noticed that your credit card interest rate has increased this month? Could it be because of your low credit score? What can you do to start fixing your credit? Here are guaranteed ways to improve credit score:Read your credit card mails regularly. Do you check your monthly credit card statements? Or are you in the habit of setting them...more
Imagine this situation. You are competing against two other firms for the same piece of business. One firm is the 900-pound guerilla in your market and the other is a competitor of about the same size. You have the best technology, the big company has the most market share and brand recognition and the third competitor has the lowest price. Who gets the business?The answer is extremely predictable. The company that gets the business is the one with the best salespeople. Good salespeople win more deals regardless of the circumstances. Are you going to win the next time you find yourself in this position?The best opportunity you have to impact the productivity of your organization is every time you make a hiring decision. Good hiring decisions propel you to success. And, all the managing, coaching, systems, training and technology can NOT help you recover from a hiring mistake.Over and over again we see examples of companies with inferior products, over-priced products and poor reputations win the business. Why? Because they have the best salespeople. If you can fix only one thing in your company, upgrade your sales force and you have the best chance of succeeding.Most sales...more
With the signing of the economic stimulus bill, there has been a rush to identify "shovel ready" jobs. But, behind the scenes, business and government leaders are grappling with the problems of being "people ready" for the millions of green jobs that...more
2. System DesignThis -'Public Policy Making Group Support System", from a system and pragmatic perspective, is a modular design concept, integration the design process and illustrating of each hierarchy module.(1) Modular ConceptThis so-called module...more
1.Research Motives and ObjectivesIn the wake of a changing, international community, public policy has become a major topic of discussion for governments when considering present and future undertakings. The ever increasing complexity of public...more
Are You a Candidate for Credit Repair?It is true that millions of people have benefited from credit repair. But there are many misconceptions about the subject that have led others to jump into credit repair programs before they were ready. If you...more
A Measure of Credit Repair ProgressIf you are planning to start a credit repair effort you might want to establish a benchmark for your progress; some objective means of marking the results of your efforts. Your credit scores are the logical way to...more
Yogi Berra once said, "the future ain't what it used to be."While I'll be the first to admit that quoting Yogi for wisdom's sake may lack credibility, this particular quote is quite relevant and meaningful today, especially for hiring managers,...more