Students Of Success

Definitely the most common recrimination by observers of the no fax no credit check cash advance industry is fixated on the annual interest rate normally demanded for a short term payday loan which can compound to a staggering 2-300%.

This annual percentage rate or “APR” is a well accepted indicator to formalize the total amount of interest a borrowing customer will have to pay as brought forward to one full year. The Annual Percentage Rate (”APR”) provides an accepted groundwork to realistically figure out which device shows a higher versus a lower ultimate cost to the borrowing customer, incorporating extra costs that might apply.Clearly the annual percentage rate may be seen as a very powerful gauging technique relating to financing traversing a span of at least twelve months .Unfortunately, in respect to two weeks investments APRs are unquestionably considerably less useful.

Rather, I prefer to compare a payday loan to getting a taxi home from the office meeting. Likely it will cost you 40 dollars to drive home by taxi. Indeed, 40 dollars qualifies for quite a bit of money to fork out for merely getting home still lots of people do it simply because it’s a sensible thing to do and caters to a must. Right, we all know that we could also rent a car for an entire day for 40 dollars including as many miles as we wish.

Alright, let’s just say we do that— to wit, hire this car and drive it for 400 miles during that one day we’ve hired it. Subscribers of APR would assert that we need to annualize this quote to attain to sensible comparisons! So to check this out, we’ll take this taxi price (to wit: $2 per mile times 400 miles) resulting in eighthundred dollars. The annualized counterpart of the car rental option vis-a-vis the ride by taxi gives $40 contra $800. Now, you and I should realize that car hiring we opted for was not the optimal solution for us, no matter how much more expensive the APR was in this specific case.

And it’s exactly the same with payday advance loans. Remember that short term payday advance loans are limited to two weeks, not annual loan agreements. The high APR is no reliable tool for comparison owing to the fact that this specific breed of loan does not bridge one year. The absolute interest rate charge equates to roughly 15 - 25% for the loan. That fast cash loan advance is an expensive decision nobody should adopt without prior inspection of any and all feasible alternatives.

Doubtlessly they can help people when trying to survive a financial squeeze. But they are not meant as a competitor to mid- or long-term financing instruments. Get more info about the payday advance online here.

IN a shopping mall, I recently passed by someone wearing a T-shirt that had the words, “DOESN’T PLAY WELL WITH OTHERS” in three-inch block letters across the front. I thought it was funny. But, when you have a coworker who seems to have those words tattooed across his forehead, it’s no laughing matter.

Lee Iacocca said, “The statement, ‘He’s good, but he has trouble getting along with other people,’ is the kiss of death for management potential. The major reason capable people fail to advance is that they don’t work well with their colleagues and customers.”

It really comes down to having a love for people and the ability to show others that you care for their well-being. That means getting along with your coworkers as well as your customers. Why? Because your coworkers are your customers, too.

Say what?

That’s right. Even though your coworkers probably don’t buy anything from you, they are still your customerswhat the business books call, internal customers. Because each individual at a company has the ability to contribute or to take away from the success of the organization, it is important to your success that everyone does an excellent job of customer service. Your coworkers are actually an indirect link between you and the external customer. So, it is important to treat your work associates in the same manner that you treat your customers.

I know what you’re thinking: Yeah, but you just don’t understand. You don’t know the people I have to work with. Is it my fault if my coworker is a jerk?

No, it’s not your fault if your coworker is a jerk, but there’s always something you can do to influence the performance of others. Understand the intercon-nection between you and every other employee in your company. How well you deal with difficult coworkers will reflect in how well you deal with difficult customers. It is the overall performance of the company that determines its success. Therefore, your fellow employees have an effect on your livelihood.

“Employee satisfaction equals customer satisfaction at UPS,” says Kent Nelson, former UPS CEO. The smart companies, the customer-focused companies know this. These companies have figured out that keeping employees happy is the key to keeping customers happy.

TURNAROUND TIP: Most bosses still operate from the old mindset, “My employees know if I don’t say anything critical about their performance, then that means they’re doing a good job. If I compliment an employee all the time, it’ll just give him a big head.” If you have a boss like that then you know that the only encouragement your coworkers receive will have to come from you or others who are like you.

1.Make sure that you treat your coworkers in the same way you treat your customers; with courtesy, concern and compassion.

2.Catch someone doing something right. Re-search says that nothing motivates employees more than peer recognition. When you see a coworker going out of their way to serve a customer, offer some enthusiastic encourage-ment.

3.Exceed the expectations of your coworkers. If your boss needs a report on Tuesday, give it to him Monday afternoon. (Yes, your boss is an internal customer, too). If the credit department needs some information that you have access to, rather than arguing with them over whose job it is, provide the information for them.

If you make a commitment to assist your coworkers and colleagues, they will be eager to assist you when you need their help. Anyone who helps you get your job done contributes to your success.

Mike Dandridge
md@theperformancepro.com
Mike is the founder of High Voltage Performance, a consulting firm that specializes in designing customer experiences for the industrial marketplace. He is a keynote speaker and a seminar leader with 25 years experience in electrical wholesale distribution. Dandridge is author of, The One Year Business Turnaround, a book based on his years in wholesale, containing a year’s worth of ideas for improving your customer service.
You may reach Mike at 254-624-6299.
Visit his Website at http://www.highvoltageperformance.com
Subscribe to his blog at http://www.businessturnaround.blogs.com

Memorizing math facts is a necessary part of elementary school. Flash cards and repetitive chanting have their place, but, for my children, were pure drudgery. Frustrated by their lack of interest in practicing their math facts, I have searched for ways to make memorizing math facts more fun.

Our favorite math web site, Aplusmath is an easy to use site offering a worksheet generator, online flashcards and games including Matho, Concentration and Hidden Pictures. Matho combines both bingo and math facts in an exciting timed game. Or, match the math problem to the answer in concentration. Discover beautiful photographs by solving math problems in the hidden pictures game.

Both of my children enjoy music, so tapes and CD’s are perfect for us. Rock ‘n Learn makes fun audio programs featuring “cool music that teaches”. The math facts programs come in rap, rock and country versions to satisfy a variety of musical tastes. My son happily reviews multiplication facts to a funky rap beat.

A favorite educational “toy” is Leap Frog’s Twist & Shout. Children twist and shout their way to learning facts. It’s fun, it’s lively and the learning is done to a toe-tapping musical beat. Kids move and groove their way through four games, each with a “teach” and a “quiz” mode. Then they twist the number dial to solve the equation and hit it to select an answer. Answers are heard and seen on the LCD screen.

We have also made good use of the Hot Dots flash cards. Hot Dots flashcards can be used like regular flash cards, or add the Hot Dots Power Pen and children can drill independently with instant reinforcement! Kids simply touch the pen to a dot and it responds instantly signaling a correct or incorrect answer.

If traditional flashcards aren’t enough to inspire your kids to practice math facts, try these fun alternatives. Helping your child learn math facts now will make more advanced math so much easier. Have fun!

Caren Bugay has lots of tips and resources to enhance your child’s education. Find more great ideas at http://www.helpyourkidslearn.blogspot.com