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    Questionable Collection Ethics Back In The News!
    There's been a lot of bad press lately pertaining to the ethics of debt collectors. As the owner of a collection agency, I'd like to take this opportunity to respond to such allegations. As a general rule, businesses contract with collection agencies in an effort to resolve recovery issues due to extended lines of credit that have failed to be honored.When not pursued diligently, past due accounts are among the leading contributors to serious cash flow issues that prevent businesses from paying their own bills, or forcing them to go out of business altogether. Businesses depend on earned revenue to thrive, it's essential to the life of the business.As a business owner, I understand the urgency of recovering past due revenue. As a collector, it is imperative that we abide by the Fair Debt Collection Practices Act (FDCPA) standards. The role of a collector is to fulfill our obligation to the creditor and assist them in recovering earned revenue.It is my opinion that collectors also have an obligation to the debtor to assist them in resolving issues they face with their creditors. In all fairness, most debtors do not intentionally dishonor their financial commitments. Debtors are entitled t
    lves well, in advance, we can find ourselves on the wrong side of success in our career, our social life and even in important relationships. So just what can we do to keep the critical mistakes of life from sneaking up on us?

    The simple answer is to plan. Strategic planning is a concept that is an absolute must for any business that wants to succeed. But this principle is not just for business. You will have to plan for any area of your life where you want to see success. Of course there has to be action and activity - the stuff you do. You also have to

    Continuous Improvement - PDCA - The ACT Phase
    We have now reached the fourth phase of the PDCA cycle. This article completes the loop (as well as setting the foundation for beginning at Phase 1 again - Continuous Improvement.As mentioned in the previous articles of the set, some benefits may be derived from reading this article in isolation. However, if you get the chance, please read and use the complete set. The article ids follow...Make Continuous Improvement One Of Your Goals - As Soon As You Possibly Can (ID: 74077) Continuous Improvement - PDCA - The PLAN Phase (ID: 76694) Continuous Improvement - PDCA - The DO Phase (ID: 78506) Continuous Improvement - PDCA - The CHECK Phase (ID: 81089) O.K.We have Planned in Phase 1 We have Done in Phase 2 We have Checked in Phase 3Let's Act in Phase 4...Congratulations! are in order. The process has been followed and the desired improvement or project implementation has been successful, even if only in part - YES, you've got it - that's the whole point of continuous improvement.Remember the famous question, how do you eat an elephant?ONE BITE AT
    I am not a big fisherman, but I do enjoy it whenever the opportunity comes my way. I have some friends who are fanatics and occasionally I will go out with one of them. They have nice boats and it makes for an enjoyable day.

    I like fishing from a boat but, actually, the kind of fishing I enjoy the most is surf fishing. I don’t do it very often, but occasionally, when I go to the beach on a family outing, I will take my rod and reel and fish from the beach.

    Surf fishing, to me, offers a lot more excitement than fishing from a boat. Here you get to stay active all the time. Basically you wade knee or thigh deep out into the surf and cast using a rod and reel. Since the surf is so active, there are a couple of special considerations you have to take care of. It is necessary to use extra weight so the bait will stay put and you have be extra sensitive to your line because it can be hard to tell the difference between a fish strike and the surf pulling your tackle.

    Of course there are a few things you have to look out for. Sea currents can be kind of tricky in some places and you have to be careful not to get sucked out to sea. Sometimes there will be sea urchins under foot and if you are not careful you can step on one. This can be quite painful. There are also other kinds of dangerous sea creatures. On more than one occasion I have had to dodge stinging jelly fish or get away from small sharks (the sharks were probably too small to be any real danger, but I was not about to take any chances).

    But there is another danger that is a really sly one - especially on an overcast day. Standing out in the open air for a couple of hours, without very good skin protection, can cause you to get a horrible sunburn. This really can sneak up on you, though. The nature of getting burned by the sun is such that you usually don't realize it immediately. When your skin starts turning red it is already too late. It is very important to prepare ahead of time to prevent it in the first place - doing things like putting on a good sunblock and wearing a hat and other protective clothing.

    Planning - The Foundation for Success

    The sun is not the only thing in life that can sneak up on you. If we don't prepare ourselves well, in advance, we can find ourselves on the wrong side of success in our career, our social life and even in important relationships. So just what can we do to keep the critical mistakes of life from sneaking up on us?

    The simple answer is to plan. Strategic planning is a concept that is an absolute must for any business that wants to succeed. But this principle is not just for business. You will have to plan for any area of your life where you want to see success. Of course there has to be action and activity - the stuff you do. You also have to h

    Nurture Your Brand and Grow More Business
    Is your brand alive? I ask that because most companies operate as if their company or product brand was some fixed, static concept in their customer's mind. They may feel they already "own" a position in their customer's mind such as the quality producer, or the price leader, or the supreme service provider -- and that may be true. But what many business owners don't realize, is that a brand is actually a living, fluid perception... one that fluctuates from day to day. In essence, it's more of an evolving, growing entity than a fixed and static "thing". So if branding is living, dynamic and vital, what are you doing to nourish and grow it? And when I say nourish, I'm talking about monitoring, tending, caring and watching over it. Sounds a bit crazy? Read on.A few years ago, Apple was known as an innovative computer maker. Now they are arguably more associated with music and video thanks to the popularity of iTunes and the iPod. So where does that put the Apple brand in the consumers mind? Are they still a computer company selling hardware? A software company? A music service? The truth is that their image/brand/reputation, is undergoing a significant change; and to k
    stay active all the time. Basically you wade knee or thigh deep out into the surf and cast using a rod and reel. Since the surf is so active, there are a couple of special considerations you have to take care of. It is necessary to use extra weight so the bait will stay put and you have be extra sensitive to your line because it can be hard to tell the difference between a fish strike and the surf pulling your tackle.

    Of course there are a few things you have to look out for. Sea currents can be kind of tricky in some places and you have to be careful not to get sucked out to sea. Sometimes there will be sea urchins under foot and if you are not careful you can step on one. This can be quite painful. There are also other kinds of dangerous sea creatures. On more than one occasion I have had to dodge stinging jelly fish or get away from small sharks (the sharks were probably too small to be any real danger, but I was not about to take any chances).

    But there is another danger that is a really sly one - especially on an overcast day. Standing out in the open air for a couple of hours, without very good skin protection, can cause you to get a horrible sunburn. This really can sneak up on you, though. The nature of getting burned by the sun is such that you usually don't realize it immediately. When your skin starts turning red it is already too late. It is very important to prepare ahead of time to prevent it in the first place - doing things like putting on a good sunblock and wearing a hat and other protective clothing.

    Planning - The Foundation for Success

    The sun is not the only thing in life that can sneak up on you. If we don't prepare ourselves well, in advance, we can find ourselves on the wrong side of success in our career, our social life and even in important relationships. So just what can we do to keep the critical mistakes of life from sneaking up on us?

    The simple answer is to plan. Strategic planning is a concept that is an absolute must for any business that wants to succeed. But this principle is not just for business. You will have to plan for any area of your life where you want to see success. Of course there has to be action and activity - the stuff you do. You also have to

    Using Press Releases to Gain Free Advertising & Publicity
    You may think that writing press releases only works when you have important news to share or company announcements to make and that is wrong! You can write and submit press releases at anytime which will get published if you put an interesting slant to what you are submitting. Here are some interesting ideas to help get your press release picked up by the media: 1. Write a story about how your business fills a void in your community or solves a problem that is plaguing a lot of people. 2. If your company has a focus on charitable contributions, write up a press release about what your company is doing to help in the community. 3. Tell your story – whether you came from nothing to rise to something big or if you’ve built up your business with a personal struggle, write it! 4. Relate your story to what is happening today – watch the news, check out what the “hot topics” are and find a way to spin your own story from that. By writing and submitting a press release to the media, you’ll receive free publicity and the best part is that most consumers will read an article before they’ll look at an advertisement. The idea behind that is consumers
    t to get sucked out to sea. Sometimes there will be sea urchins under foot and if you are not careful you can step on one. This can be quite painful. There are also other kinds of dangerous sea creatures. On more than one occasion I have had to dodge stinging jelly fish or get away from small sharks (the sharks were probably too small to be any real danger, but I was not about to take any chances).

    But there is another danger that is a really sly one - especially on an overcast day. Standing out in the open air for a couple of hours, without very good skin protection, can cause you to get a horrible sunburn. This really can sneak up on you, though. The nature of getting burned by the sun is such that you usually don't realize it immediately. When your skin starts turning red it is already too late. It is very important to prepare ahead of time to prevent it in the first place - doing things like putting on a good sunblock and wearing a hat and other protective clothing.

    Planning - The Foundation for Success

    The sun is not the only thing in life that can sneak up on you. If we don't prepare ourselves well, in advance, we can find ourselves on the wrong side of success in our career, our social life and even in important relationships. So just what can we do to keep the critical mistakes of life from sneaking up on us?

    The simple answer is to plan. Strategic planning is a concept that is an absolute must for any business that wants to succeed. But this principle is not just for business. You will have to plan for any area of your life where you want to see success. Of course there has to be action and activity - the stuff you do. You also have to

    Fast-track career success with Informational Interviews
    Informational interviewing can play a pivotal role in building one’s network to assist in penetrating the hidden job market and unadvertised job prospects, but unfortunately is often a tool that is ignored in a job seeker’s career and job search campaign.Informational interviewing is a ‘fact-finding exploration’ that will assist a job seeker in identifying an optimal place of work that is conducive to their skills, motivation and talent, thus positioning them for continued growth and fulfilment within their careers.Conducting informational interviews will allow a job seeker to pinpoint their strengths and requirements for further development, while also providing an opportunity to build their confidence and communication skills, both crucial for forthcoming job interviews.Neglecting to implement this critical research and screening tool within their job search sadly can lead to a job seeker discovering their discontentment after they have accepted a job offer, or worse, are working within the role.Therefore, if a particular role or industry is of interest to you, go and check it out first by meeting with the people who are already performing in these roles to establish whether or
    in protection, can cause you to get a horrible sunburn. This really can sneak up on you, though. The nature of getting burned by the sun is such that you usually don't realize it immediately. When your skin starts turning red it is already too late. It is very important to prepare ahead of time to prevent it in the first place - doing things like putting on a good sunblock and wearing a hat and other protective clothing.

    Planning - The Foundation for Success

    The sun is not the only thing in life that can sneak up on you. If we don't prepare ourselves well, in advance, we can find ourselves on the wrong side of success in our career, our social life and even in important relationships. So just what can we do to keep the critical mistakes of life from sneaking up on us?

    The simple answer is to plan. Strategic planning is a concept that is an absolute must for any business that wants to succeed. But this principle is not just for business. You will have to plan for any area of your life where you want to see success. Of course there has to be action and activity - the stuff you do. You also have to

    Network Marketing, The Business Model
    Network marketing is a multi-billion dollar business. As a business model, it is taught in major universities around the world. The Wall Street Journal stated, “…between 50% and 65% of all goods and services sold in this millennium will be through network marketing.” It is a business model that is perfectly suited to the “information age.”What is this “Business Model?” Network marketing is a way of doing business that is different from the “traditional” model used by most consumer packaged goods, food and drug companies. It is one of the most promising income opportunities in American today. It is the idea of many people each doing a little work, as opposed to a few people doing a lot of work. To quote J. Paul Getty, the world’s first billionaire, “I’d rather have 1% of the efforts of 100 people than 100% of my own.”Rather than using the customary distribution process of moving products from manufacturer to wholesaler to retailer to consumer, network marketing companies use a network of independent marketers to move products directly from the manufacturer to the consumer. Further, the cost structure of a network marketing organization is different than a traditional packaged goods marketer
    lves well, in advance, we can find ourselves on the wrong side of success in our career, our social life and even in important relationships. So just what can we do to keep the critical mistakes of life from sneaking up on us?

    The simple answer is to plan. Strategic planning is a concept that is an absolute must for any business that wants to succeed. But this principle is not just for business. You will have to plan for any area of your life where you want to see success. Of course there has to be action and activity - the stuff you do. You also have to have exert energy. But before any of that will have any meaning, you have to know where it all needs to be directed. That is the purpose of planning.

    Planning has to be built on a particular foundation. There are plenty of resources that give you a clear 1-2-3 system for doing planning. We are not going there in this article. What we want to look at are the underlying elements of planning. If we take the time to put these elements in place first, the actual process of planning takes on an entirely new level of meaning.

    Principle

    The most basic foundation stone relates to the basic principles that guide the operation of your life and your business. Principle defines the parameters within which you will work. It defines how you will relate with other people, the kind of integrity you will operate by, the places you will do business, and even the type of products and services you will offer. Once you decide your parameters of operation, everything you do will fit inside of that. There will be things you will do and things you won’t do based on it.

    Too often people don’t start their strategic planning at this level. They skip it and go right on to purpose. But even purpose has to come from somewhere. You will never have a complete handle on what you are doing unless you start by defining and understanding the basic principles you will operate under.

    Purpose

    The second level of your foundation must be your purpose. If you don’t have a compelling reason for doing what you do you will not be motivated to perform at a high level. Purpose provides the motivational propulsion which gives power and enjoyment to your activities.

    There are many possible levels of purpose at which people may operate. People with little responsibility tend to operate at very superficial levels. They only want a paycheck or to have fun. They do not really concern themselves with final outcomes. People with great responsibility are completely absorbed with the final outcomes.

    The reason this is so important is that good motivation is the key to good productivity. People have a personal purpose for what they do. If their only purpose is the paycheck, they will do just enough to get paid. If their purpose somehow matches up

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