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Digg it UP - How to Prevent Distortion, Rumors, and Hearsay
Business Debt Settlement - Choosing the Right Service Provider for Business Debt Settlement ing to inform the project staff what the customer wants. What happens? You guessed it, the information is distorted. In fact, the real-world scenario may be worse. A project manager doesn’t usually get a chance to meet directly with the client. Instead the project manager meets with the client’s assistant. Thus, the client tells the assistant to tell the project manager who tells the people who work on the project what the client wants. It is a miracle that anything is accomplished accurately at all! The truth is -- a lot of the time it doesn’t. And the cost is enormous in terms of productivity, profitability, stress, and decreased morale.Accumulating debt is a part of starting and running a venture. Every enterprise has some debt to suppliers, and many owe mortgages for their office or retail space. Maintaining a certain level of business debt can even be healthy for your credit rating, when good-sized payments are regularly made.But what happens when these payments become fewer and farther in between because the business is no longer generating enough income? Do you, as an entrepreneur consider filing a Chapter 11 business bankruptcy? Isn’t there a better, less drastic solution that will do less harm to your credit rating and business reputation?Fortunately there is. With business debt settlement, a negotiated settlement can be made with all of your creditors to reduce the amount of unsecured financial obligations. This form of financial relief is aimed only at unsecured loans and will not be applicable to loans on secured property, such as cars, mortgages, or equipment. However, all other form of debt can be negotiated su Solutions Lack of listening and hearsay information is real problems and should not be ignored. Rather than wishing the problems didn’t exist, follow these twelve rules, and you will see a huge difference. 1.Check out rumors by going directly to the source. 2.Don’t pass rumors on. 3.To ensure clarity, paraphrase back to people what you hear them say and have people paraphrase your statements back to you. 4.Take notes and document what someone says in a conversation. Have them verify the documentation is correct. Remember, in a dispute, whoever has the most document What Are The Many Credit Card Processings Fees Associated With Setting Up A Merchant Account? Why is listening so difficult, and what can we do about it? Why do"rumors and hearsay continue, and how do we stop them? The first step is to uncover the root of these problems, which in turn will provide some solutions.These are some of the fees that a merchant will pay when they process credit cards through a typical merchant accunt…Address Verification Fee The fee charged to the merchant to perform address verification. This usually happens when a merchant has to key in a transaction if the mag stripe does not work.Chargeback Fee This is the fee charged by a bank when a chargeback is issued to a merchant. This varies from $15.00 – 30.00 per transaction. (Plus the actual amount of the chargeback sale)Check Guarantee Fees Check Guarantee fees are basically structured similar to credit card processing fees. There is usually a percentage rate, transaction fee, statement fee, monthly minimum, and application fee.Check Verification Fees Check verification does not guarantee checks. Check verification checks whether the check writer has a history of writing bad checks. There is usually not a percentage fee associated with check verificationDebit Fees Debit fees vary bas Problem One: People Don’t Listen Although studies differ on the matter, many conclude that people speak about 150 to 200 words per minute and think at least 600 words per minute -- and probably a lot faster than that. Whatever the research, it is universally accepted that we all think faster than we speak. Therein lies the challenge. Our brains operate significantly faster than the rate at which someone can speak. When we’re listening to someone, we have the time to add a significant amount to what that person is actually saying to us. We think. We add those extra words. We interpret. We twist. We alter the message! After all, a brain has got to do something with all that extra time! While your boss or your spouse or your best friend is talking, your brain is chugging along, embroidering all manner of frills and lace around the edges of the real message. While your brain is doing all this tinkering with the incoming words, it is also repeatedly hitting the save button, dumping the whole thing -- the real words and the embroidery -- into your memory. The problem is that your brain doesn’t bother to separate that information. So there is just this one file labeled: “Conversation Last Monday with Sally about the New Project, and everything gets dumped into the file willy-nilly. On Friday afternoon, when you sit down to sort out that conversation about that critical new project, you mentally open the file and start removing pieces of information -- without the slightest clue whether the information you’re extracting is what Sally actually said or some bit of word juggling your bored, overactive mind produced. This is a primary way that misunderstandings come about. Sally said X and you think she said Y -- and you remember it quite clearly! To make matters worse, I recently read one study that said the average attention span of a human being is eight seconds. So, when something you hear triggers a thought, your excess mental capacity wanders off to follow that trail to another thought, then another thought, then another thought… and suddenly you’re daydreaming instead of paying attention to what is really being said. So we alter the messages we hear and our tiny attention spans won’t even let us completely hear anything without disconnecting and wandering. It is a miracle that any messages get through at all. So it’s true -- people don’t listen. If individuals and organizations would simply operate with that understanding, we would all be a lot better off. Problem Two: Hearsay Is Always Distorted Unfortunately, we tend to forget all about childhood games as we get older. But we would all do well to remember the game of telephone and what a kick we got out of the distorted message at the end of the telephone line. The truth is that we encounter an adult version of this phenomenon in the workplace, but we seem to have forgotten the point of the game -- that messages passed from one person to the next get distorted. In fact, in our workplaces, we often think hearsay information is... the truth! Let’s be conservative, and for the sake of this point, assume that people speak at 200 words per minute and people think at 600 words per minute. (The discrepancy is probably a lot worse.) Even in this scenario, we can say that when we tell one person what another person said -- hearsay only one person removed -- the message is garbled, possibly up to and maybe even exceeding, a factor of four. The reason is this: in the 200/600 dichotomy, we have time to add four hundred words to what someone is saying to us – two times the original amount. If we pass what we “heard” along to someone else, they in turn may add their own additional 400 words to what just said, thus creating a factor of four. And that doesn’t even account for exacerbating factors -- such as a listener’s animosity or preoccupation. Such factors could further distort the communicated information. Let’s face it: when someone tells you what someone else said, it is always distorted -- and that is just one person removed! But real life dictates that things usually don’t stop there. In real life that one person tells someone else who in turn tells someone else. That is why the role of “ambassador” in the workplace is problematic. Allow me to examine a typical scenario in which this dynamic plays out. A project manager often acts as an ambassador between the client and the project staff. So the project manager meets with the customer to find out the customer’s desires, goals, and expectations. Later the project manager holds a meeting to inform the project staff what the customer wants. What happens? You guessed it, the information is distorted. In fact, the real-world scenario may be worse. A project manager doesn’t usually get a chance to meet directly with the client. Instead the project manager meets with the client’s assistant. Thus, the client tells the assistant to tell the project manager who tells the people who work on the project what the client wants. It is a miracle that anything is accomplished accurately at all! The truth is -- a lot of the time it doesn’t. And the cost is enormous in terms of productivity, profitability, stress, and decreased morale. Solutions Lack of listening and hearsay information is real problems and should not be ignored. Rather than wishing the problems didn’t exist, follow these twelve rules, and you will see a huge difference. 1.Check out rumors by going directly to the source. 2.Don’t pass rumors on. 3.To ensure clarity, paraphrase back to people what you hear them say and have people paraphrase your statements back to you. 4.Take notes and document what someone says in a conversation. Have them verify the documentation is correct. Remember, in a dispute, whoever has the most documenta Make Money From Your Lack Of DIY Skills the real words and the embroidery -- into your memory. The problem is that your brain doesn’t bother to separate that information.Are you one of those people who have a fascination with power tools but no knowledge or time to use them? Do people ask to borrow a tool from you or ask if you know of someone who has a special piece? If so, you can make money off those tools just lying around.Did you know it can cost thousands of dollars to buy all the different type of power tools, and many of those tools you may only use a couple of times? Well, now just imagine having to spend anywhere from twenty dollars to easily a hundred dollars to rent one tool. Think of what it cost to buy your tool, and now divide that in half, this should be the cost of a deposit. Then take the cost of the tool and divide it by ten, this should be how much you rent it out for.So say that you have a power tool that cost 300 dollars, and divide it in half, to get $150.00 that is how much you would charge for a deposit. Then take the $300.00 and divide it by ten, you get 30 dollars this is how much you can charge for rental. You have to look around So there is just this one file labeled: “Conversation Last Monday with Sally about the New Project, and everything gets dumped into the file willy-nilly. On Friday afternoon, when you sit down to sort out that conversation about that critical new project, you mentally open the file and start removing pieces of information -- without the slightest clue whether the information you’re extracting is what Sally actually said or some bit of word juggling your bored, overactive mind produced. This is a primary way that misunderstandings come about. Sally said X and you think she said Y -- and you remember it quite clearly! To make matters worse, I recently read one study that said the average attention span of a human being is eight seconds. So, when something you hear triggers a thought, your excess mental capacity wanders off to follow that trail to another thought, then another thought, then another thought… and suddenly you’re daydreaming instead of paying attention to what is really being said. So we alter the messages we hear and our tiny attention spans won’t even let us completely hear anything without disconnecting and wandering. It is a miracle that any messages get through at all. So it’s true -- people don’t listen. If individuals and organizations would simply operate with that understanding, we would all be a lot better off. Problem Two: Hearsay Is Always Distorted Unfortunately, we tend to forget all about childhood games as we get older. But we would all do well to remember the game of telephone and what a kick we got out of the distorted message at the end of the telephone line. The truth is that we encounter an adult version of this phenomenon in the workplace, but we seem to have forgotten the point of the game -- that messages passed from one person to the next get distorted. In fact, in our workplaces, we often think hearsay information is... the truth! Let’s be conservative, and for the sake of this point, assume that people speak at 200 words per minute and people think at 600 words per minute. (The discrepancy is probably a lot worse.) Even in this scenario, we can say that when we tell one person what another person said -- hearsay only one person removed -- the message is garbled, possibly up to and maybe even exceeding, a factor of four. The reason is this: in the 200/600 dichotomy, we have time to add four hundred words to what someone is saying to us – two times the original amount. If we pass what we “heard” along to someone else, they in turn may add their own additional 400 words to what just said, thus creating a factor of four. And that doesn’t even account for exacerbating factors -- such as a listener’s animosity or preoccupation. Such factors could further distort the communicated information. Let’s face it: when someone tells you what someone else said, it is always distorted -- and that is just one person removed! But real life dictates that things usually don’t stop there. In real life that one person tells someone else who in turn tells someone else. That is why the role of “ambassador” in the workplace is problematic. Allow me to examine a typical scenario in which this dynamic plays out. A project manager often acts as an ambassador between the client and the project staff. So the project manager meets with the customer to find out the customer’s desires, goals, and expectations. Later the project manager holds a meeting to inform the project staff what the customer wants. What happens? You guessed it, the information is distorted. In fact, the real-world scenario may be worse. A project manager doesn’t usually get a chance to meet directly with the client. Instead the project manager meets with the client’s assistant. Thus, the client tells the assistant to tell the project manager who tells the people who work on the project what the client wants. It is a miracle that anything is accomplished accurately at all! The truth is -- a lot of the time it doesn’t. And the cost is enormous in terms of productivity, profitability, stress, and decreased morale. Solutions Lack of listening and hearsay information is real problems and should not be ignored. Rather than wishing the problems didn’t exist, follow these twelve rules, and you will see a huge difference. 1.Check out rumors by going directly to the source. 2.Don’t pass rumors on. 3.To ensure clarity, paraphrase back to people what you hear them say and have people paraphrase your statements back to you. 4.Take notes and document what someone says in a conversation. Have them verify the documentation is correct. Remember, in a dispute, whoever has the most document Contractor Estimating - What They Need To Know e hear and our tiny attention spans won’t even let us completely hear anything without disconnecting and wandering. It is a miracle that any messages get through at all. So it’s true -- people don’t listen. If individuals and organizations would simply operate with that understanding, we would all be a lot better off.There are many different types of contractors. Each type has specific guidelines that they must follow.In the construction industry, the guidelines can be very strict. In today busy world, those who are in the market for a contractor do not want to take any chances of hiring someone that is not properly trained. They prefer to hire someone who has a degree in one of five different fields. These fields are building construction, construction science, construction management, architecture or engineering.Many construction estimators who work in the contractor-estimating field have extensive experience in construction this knowledge comes from working in the construction industry for many years.Most consumers have little knowledge of the construction industry. Those who do have some knowledge of areas of construction such as heavy construction, masonry work, and electrical or plumbing applications find that they have an edge on everyone else.Contract estimating is a highly focused indust Problem Two: Hearsay Is Always Distorted Unfortunately, we tend to forget all about childhood games as we get older. But we would all do well to remember the game of telephone and what a kick we got out of the distorted message at the end of the telephone line. The truth is that we encounter an adult version of this phenomenon in the workplace, but we seem to have forgotten the point of the game -- that messages passed from one person to the next get distorted. In fact, in our workplaces, we often think hearsay information is... the truth! Let’s be conservative, and for the sake of this point, assume that people speak at 200 words per minute and people think at 600 words per minute. (The discrepancy is probably a lot worse.) Even in this scenario, we can say that when we tell one person what another person said -- hearsay only one person removed -- the message is garbled, possibly up to and maybe even exceeding, a factor of four. The reason is this: in the 200/600 dichotomy, we have time to add four hundred words to what someone is saying to us – two times the original amount. If we pass what we “heard” along to someone else, they in turn may add their own additional 400 words to what just said, thus creating a factor of four. And that doesn’t even account for exacerbating factors -- such as a listener’s animosity or preoccupation. Such factors could further distort the communicated information. Let’s face it: when someone tells you what someone else said, it is always distorted -- and that is just one person removed! But real life dictates that things usually don’t stop there. In real life that one person tells someone else who in turn tells someone else. That is why the role of “ambassador” in the workplace is problematic. Allow me to examine a typical scenario in which this dynamic plays out. A project manager often acts as an ambassador between the client and the project staff. So the project manager meets with the customer to find out the customer’s desires, goals, and expectations. Later the project manager holds a meeting to inform the project staff what the customer wants. What happens? You guessed it, the information is distorted. In fact, the real-world scenario may be worse. A project manager doesn’t usually get a chance to meet directly with the client. Instead the project manager meets with the client’s assistant. Thus, the client tells the assistant to tell the project manager who tells the people who work on the project what the client wants. It is a miracle that anything is accomplished accurately at all! The truth is -- a lot of the time it doesn’t. And the cost is enormous in terms of productivity, profitability, stress, and decreased morale. Solutions Lack of listening and hearsay information is real problems and should not be ignored. Rather than wishing the problems didn’t exist, follow these twelve rules, and you will see a huge difference. 1.Check out rumors by going directly to the source. 2.Don’t pass rumors on. 3.To ensure clarity, paraphrase back to people what you hear them say and have people paraphrase your statements back to you. 4.Take notes and document what someone says in a conversation. Have them verify the documentation is correct. Remember, in a dispute, whoever has the most document The Importance Of Keeping Your Office Clean rbled, possibly up to and maybe even exceeding, a factor of four. The reason is this: in the 200/600 dichotomy, we have time to add four hundred words to what someone is saying to us – two times the original amount. If we pass what we “heard” along to someone else, they in turn may add their own additional 400 words to what just said, thus creating a factor of four. And that doesn’t even account for exacerbating factors -- such as a listener’s animosity or preoccupation. Such factors could further distort the communicated information.Most of us would never even consider eating our lunch in the bathroom, yet we do it all the time in our office. Recent studies show there are more germs in the average office than in the average bathroom! Perhaps that is a good indicator that keeping your office clean is really important.For most office employees, keeping their office clean isn’t something they really have time to make a priority. Can you imagine telling your manager that your report will be late because the germs and dust in your office need some attention? It's doubtful that your boss would appreciate that.Even if you are very busy, you need to keep your office area as clean and organized as possible. How your office appears will give a particular impression to clients, co-workers, and your supervisor. You will also spend less time trying to hunt down particular items if you always keep them in the same location.If you work in an office, then you know all too well that once one person gets the flu or a cold, it seems like Let’s face it: when someone tells you what someone else said, it is always distorted -- and that is just one person removed! But real life dictates that things usually don’t stop there. In real life that one person tells someone else who in turn tells someone else. That is why the role of “ambassador” in the workplace is problematic. Allow me to examine a typical scenario in which this dynamic plays out. A project manager often acts as an ambassador between the client and the project staff. So the project manager meets with the customer to find out the customer’s desires, goals, and expectations. Later the project manager holds a meeting to inform the project staff what the customer wants. What happens? You guessed it, the information is distorted. In fact, the real-world scenario may be worse. A project manager doesn’t usually get a chance to meet directly with the client. Instead the project manager meets with the client’s assistant. Thus, the client tells the assistant to tell the project manager who tells the people who work on the project what the client wants. It is a miracle that anything is accomplished accurately at all! The truth is -- a lot of the time it doesn’t. And the cost is enormous in terms of productivity, profitability, stress, and decreased morale. Solutions Lack of listening and hearsay information is real problems and should not be ignored. Rather than wishing the problems didn’t exist, follow these twelve rules, and you will see a huge difference. 1.Check out rumors by going directly to the source. 2.Don’t pass rumors on. 3.To ensure clarity, paraphrase back to people what you hear them say and have people paraphrase your statements back to you. 4.Take notes and document what someone says in a conversation. Have them verify the documentation is correct. Remember, in a dispute, whoever has the most document The Core Principles of Budget Planning ing to inform the project staff what the customer wants. What happens? You guessed it, the information is distorted. In fact, the real-world scenario may be worse. A project manager doesn’t usually get a chance to meet directly with the client. Instead the project manager meets with the client’s assistant. Thus, the client tells the assistant to tell the project manager who tells the people who work on the project what the client wants. It is a miracle that anything is accomplished accurately at all! The truth is -- a lot of the time it doesn’t. And the cost is enormous in terms of productivity, profitability, stress, and decreased morale.When it comes to budget planning you need a solid plan that will map out what it is you need to be doing with your money. If you don’t have a budget then you are out spending money and really aren’t making sure you have enough to pay your bills or even that you have enough set aside for emergencies or retirement. So, it is important to have budget planning software that will help you create your budget and follow it each month. That way you will spend only what needs to be spent and save whatever amount it is you want to save. Budgeting software is excellent because it does all the work for you!The first and most important aspect of budget planning is determining how much money you make each month and how much you must spend. The “must” refers to necessities like food, gas, car payments, house payments, and those general living expenses that are necessary. Work out your budget based on these numbers. Once you know how much you make and how much you have to spend to survive then you just look at the diffe Solutions Lack of listening and hearsay information is real problems and should not be ignored. Rather than wishing the problems didn’t exist, follow these twelve rules, and you will see a huge difference. 1.Check out rumors by going directly to the source. 2.Don’t pass rumors on. 3.To ensure clarity, paraphrase back to people what you hear them say and have people paraphrase your statements back to you. 4.Take notes and document what someone says in a conversation. Have them verify the documentation is correct. Remember, in a dispute, whoever has the most documentation usually wins! 5.Repeat and summarize your message. 6.Keep messages as short and simple as possible. Let the details follow your main message, just as newspaper articles are written. 7.Establish frequent milestone meetings (to make sure everyone is on the same page). If the project is moving along successfully, you can decrease the frequency of the meetings. 8.Develop a powerful network within your organization so you can crosscheck the information you receive. 9.If you manage people, pass on information in a lot of different ways (verbal reports, written reports, memos, e-mails, town-hall meetings, websites, etc.) to ensure that people at all levels receive the true message. 10.If you manage people, check in with people at all levels to ensure the information they are receiving is accurate and to hear feedback. 11.If possible, do not act as an ambassador. Instead, coach, support, and encourage people to talk directly with each other -- especially when they have a problem with each other. If need be, facilitate a meeting between the two parties. 12.Eliminate distractions. When someone is talking to you, do not file, type or perform any other activities. If you are on a conference call, exit out of your e-mail program or, better yet, turn your monitor off. Remember, it is hard enough to concentrate on what someone is saying without distractions. If you work with someone who gets easily distracted, try to have any meetings with that person in an area with few distractions. If we accept and remember that people don’t listen and that hearsay information is always distorted, we can develop procedures, processes, and systems that in the end will make everyone’s life easier and more productive. These twelve rules will set you on your way. Don’t just think about implementing them, do it. You can make the difference!
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