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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
    oles.

    Fear of rocking the boat: Does your boss resort to the familiar while stifling new ideas? Managers must adapt to changing values and needs.

    Being a saviour: The boss who insists on expending valuable time and money to keep proven weak people afloat, helps nobody. This boss ignores competent staff. At best, this approach postpones the inevitable dismissal day.

    Having to be right: Even the most talented executive must be willingly to make amends when they have been wrong.

    Low compatibility: A manager must be willing and able to create alliances with peers, superiors and subordinates. Compatibility is mandatory in the executive suite.

    Demanding agreement: Many bosses find it difficult to accept different points of view. Bosses should seek acceptance and assistance, not agreement.

    Confusing efficiency and effectiveness: Efficient workers get things done quickly. Effective staff achieve the right goals. The two should be balanced, with priority going to effectiveness.

    Boss Strengths By leveraging strengths you compliment and complement your boss.

    Causes agreement: Idea exchanges lead to the best possible solution. Everyone's opinion is welcomed and valued.

    Manages with continuity: Issues are discussed at

    What are High Risk Merchant Accounts?
    Ever thought of starting your own porn site? If you were to do such a thing and charge money for membership, then you would need a high risk merchant account.What is a merchant account?A merchant account is an essential account that you need in order to accept credit cards online. If you plan on running a website that allows you to collect fees from those who visit your site, then you can not start doing so without the merchant account.So how do you get one? First of all, you must choose a merchant account provider (MAP). These providers may present you with attractive low rates but be warned because there are a lot of shady providers out there. Make sure you have checked out the provider and have read everything in the contract before you make your final decision.Kinds of merchant accountsThere are three kinds of merchant accounts that you can consider.1. Internet Merchant Account. This is the account for those who are marketing or advertising their services or products online.2. Online Merchant Acc
    Most people have one. Yet attending to their demands and idiosyncrasies can be nerve-wracking. Wise people engage good boss management strategies. Boss support, guidance, mentoring and influence will be your reward. After all, bosses are not exalted and invincible gods. They are human beings with special roles and authority as well as the requisite levels of human weaknesses, problems and pressures.

    Under these demanding conditions, most boss relationships unfold in two possible directions - the 3R's Resistance-Resentment-Revenge, or the 3 C's Clarity-Co-operation-Commitment. The 3R cycle is characterised by ineffective communication. This causes levels of resentment. People expend valuable energies getting even. Such a work environment becomes destructive not only for individuals but for the entire organization. On the other hand, the 3C cycle begins with people clarifying what is required. People cooperate and commit themselves to excellence. Personal self-esteem and group performance is enhanced.

    Assess Leadership Style Recognize leadership skills inherent in your own boss. This assists you to better understand your boss. You also benefit by becoming a better manager. The more effectively you manage subordinates, the more leverage you will command with your own boss. "To lead, one must follow" ... Lau Tzu.

    Leader #1: The Press Leader These leaders pretend to be drill sergeants. Low self-esteem and a strong fear of failure drives them. They are impressed by outward displays of busyness.rather than by results. The leader treats people as expeditors who obey orders. They tolerate no mistakes. Trivial details snare their energies and attention. They oversupervise and manage by punishment. Doing so, squashes self-esteem amongst the ranks.

    How to handle The Press Leader: Quickly discover on-the-job limits. Determine whether your boss is simply tough or ruthless. The tough leader precisely delegates authority balanced with appropriate responsibility. The ruthless one disregards human factors. If you choose to resist the press leader, do it privately, not within view of colleagues. This way your leader will not lose face. Support your position with plenty of evidence. Otherwise you lose.

    Leader #2: The Laissez-Faire Leader This leader abandons staff. These leaders provide little or no support in tough times. They stipulate little of what is expected of employees. They provide virtually no guidance on how to accomplish tasks. While the Press Leader may hover over an employee's shoulder, this leader does nothing to train or guide. While the Press Leader overmanages, the Laissez-Faire Leader overlooks.

    Managing The Laissez-Faire Leader: The individual who is self-motivated and needs little praise will work well under this type of leader. This leader craves facts such as costs, statistics and research findings. Provide these facts and figures for your boss, while at the same time trying to stress some human elements. Encourage your boss to clarify exactly what is to be accomplished.

    Leader #3: The Participatory Leader The Participatory Leader is adept at communication procedures. Under this type of boss, employees are given precise feedback and recognition when deserved. The Participatory Leader strives to involve employees in the assessment process. He or she is inspirational and innovative. The Participatory Leader customises the type and amount of feedback required for each employee.

    Managing The Participatory Leader: The most effective way of dealing with the Participatory Leader is to feed back the same techniques that he or she uses with subordinates. Keep them informed of what does and does not work. Since this type of leader is interested in results, your opinions will be heeded.

    Leader #4: The Develop Leader This leader goes a step beyond the Participatory Leader. The Develop Leader fosters staff self-esteem, autonomy and competence. Techniques for success are isolated and taught to subordinates as the need arises. The Develop Leader empowers staff and nurtures a feeling of reverence, not in the boss, but in the employees themselves.

    There is often a high staff turnover rate for employees of develop leaders. But it is a good one because it is upward. Because this type of leader creates such a high level of competence amongst the ranks, there is always someone to take over when someone moves up.

    Both the Develop and the Participatory leader expect good performance from their subordinates. This expectation is communicated not only verbally, but also through a trusting working relationship, which encourages autonomy.

    Boss Weaknesses Be there for your boss. Your boss will appreciate your help to address ability gaps.

    Lack of Training: Is your boss a whiz at finance, but uncomfortable dealing with human elements? Few managers score A's on both task and people-oriented responsibilities.

    Unclear purpose: Can your manager clearly define goals? A clearly understood purpose assists everyone to fulfil their roles.

    Fear of rocking the boat: Does your boss resort to the familiar while stifling new ideas? Managers must adapt to changing values and needs.

    Being a saviour: The boss who insists on expending valuable time and money to keep proven weak people afloat, helps nobody. This boss ignores competent staff. At best, this approach postpones the inevitable dismissal day.

    Having to be right: Even the most talented executive must be willingly to make amends when they have been wrong.

    Low compatibility: A manager must be willing and able to create alliances with peers, superiors and subordinates. Compatibility is mandatory in the executive suite.

    Demanding agreement: Many bosses find it difficult to accept different points of view. Bosses should seek acceptance and assistance, not agreement.

    Confusing efficiency and effectiveness: Efficient workers get things done quickly. Effective staff achieve the right goals. The two should be balanced, with priority going to effectiveness.

    Boss Strengths By leveraging strengths you compliment and complement your boss.

    Causes agreement: Idea exchanges lead to the best possible solution. Everyone's opinion is welcomed and valued.

    Manages with continuity: Issues are discussed at

    Free Grant Applications
    One must check one’s eligibility to be able to make free grant application. Free grant application are only allowed to qualified individuals or organizations. If you are not a student for example, you cannot make a free grant application for the campus-based aid programs. Free grant application will depend on your needs. And the eligibility requirements to be able to forward the free grant application.Students can make free grant application using the Free Application for Federal Student Aid (FAFSA) form whether online or on paper. FAFSA can be accessed by its website http://www.fafsa.ed.gov/. Free grant application eligibility for students include:Existing financial need.Submit high school diploma or General Education Development (GED) certificate or pass “ability to benefit” test approved by Department of Education.Studying toward a degree or certificate.Must be enrolled in an eligible program.U.S. citizen or eligible non-citizen with valid Social Security Number (SSN).For males 18-25 years ol
    mand with your own boss. "To lead, one must follow" ... Lau Tzu.

    Leader #1: The Press Leader These leaders pretend to be drill sergeants. Low self-esteem and a strong fear of failure drives them. They are impressed by outward displays of busyness.rather than by results. The leader treats people as expeditors who obey orders. They tolerate no mistakes. Trivial details snare their energies and attention. They oversupervise and manage by punishment. Doing so, squashes self-esteem amongst the ranks.

    How to handle The Press Leader: Quickly discover on-the-job limits. Determine whether your boss is simply tough or ruthless. The tough leader precisely delegates authority balanced with appropriate responsibility. The ruthless one disregards human factors. If you choose to resist the press leader, do it privately, not within view of colleagues. This way your leader will not lose face. Support your position with plenty of evidence. Otherwise you lose.

    Leader #2: The Laissez-Faire Leader This leader abandons staff. These leaders provide little or no support in tough times. They stipulate little of what is expected of employees. They provide virtually no guidance on how to accomplish tasks. While the Press Leader may hover over an employee's shoulder, this leader does nothing to train or guide. While the Press Leader overmanages, the Laissez-Faire Leader overlooks.

    Managing The Laissez-Faire Leader: The individual who is self-motivated and needs little praise will work well under this type of leader. This leader craves facts such as costs, statistics and research findings. Provide these facts and figures for your boss, while at the same time trying to stress some human elements. Encourage your boss to clarify exactly what is to be accomplished.

    Leader #3: The Participatory Leader The Participatory Leader is adept at communication procedures. Under this type of boss, employees are given precise feedback and recognition when deserved. The Participatory Leader strives to involve employees in the assessment process. He or she is inspirational and innovative. The Participatory Leader customises the type and amount of feedback required for each employee.

    Managing The Participatory Leader: The most effective way of dealing with the Participatory Leader is to feed back the same techniques that he or she uses with subordinates. Keep them informed of what does and does not work. Since this type of leader is interested in results, your opinions will be heeded.

    Leader #4: The Develop Leader This leader goes a step beyond the Participatory Leader. The Develop Leader fosters staff self-esteem, autonomy and competence. Techniques for success are isolated and taught to subordinates as the need arises. The Develop Leader empowers staff and nurtures a feeling of reverence, not in the boss, but in the employees themselves.

    There is often a high staff turnover rate for employees of develop leaders. But it is a good one because it is upward. Because this type of leader creates such a high level of competence amongst the ranks, there is always someone to take over when someone moves up.

    Both the Develop and the Participatory leader expect good performance from their subordinates. This expectation is communicated not only verbally, but also through a trusting working relationship, which encourages autonomy.

    Boss Weaknesses Be there for your boss. Your boss will appreciate your help to address ability gaps.

    Lack of Training: Is your boss a whiz at finance, but uncomfortable dealing with human elements? Few managers score A's on both task and people-oriented responsibilities.

    Unclear purpose: Can your manager clearly define goals? A clearly understood purpose assists everyone to fulfil their roles.

    Fear of rocking the boat: Does your boss resort to the familiar while stifling new ideas? Managers must adapt to changing values and needs.

    Being a saviour: The boss who insists on expending valuable time and money to keep proven weak people afloat, helps nobody. This boss ignores competent staff. At best, this approach postpones the inevitable dismissal day.

    Having to be right: Even the most talented executive must be willingly to make amends when they have been wrong.

    Low compatibility: A manager must be willing and able to create alliances with peers, superiors and subordinates. Compatibility is mandatory in the executive suite.

    Demanding agreement: Many bosses find it difficult to accept different points of view. Bosses should seek acceptance and assistance, not agreement.

    Confusing efficiency and effectiveness: Efficient workers get things done quickly. Effective staff achieve the right goals. The two should be balanced, with priority going to effectiveness.

    Boss Strengths By leveraging strengths you compliment and complement your boss.

    Causes agreement: Idea exchanges lead to the best possible solution. Everyone's opinion is welcomed and valued.

    Manages with continuity: Issues are discussed at

    Making Your Business Safer - Robbery Prevention
    With holiday shoppers out and about in record numbers this season, many restaurants and retail establishments are thriving. Unfortunately this also is an ideal time for robbers to prey on unprepared businesses. We've put together a special reminder for business owners in hopes of lessening the chance that harm comes to your hard working employees and management teams.Preventing a robberyHave at least two employees open and close the business.Do not release personal information to strangers.Keep purses and personal valuables locked in desks or lockers.Install a robbery alarm.Place a surveillance camera behind the cash register facing the front counter, with a monitor facing the customers to let them know they are being monitored.Vary times and routes of travel for bank deposits.Don’t use marked "moneybags" that make it obvious to would-be robbers you are carrying money for deposit.Keep a low balance in the cash register.Place excess money in a safe or deposit it as soon as possibl
    ee's shoulder, this leader does nothing to train or guide. While the Press Leader overmanages, the Laissez-Faire Leader overlooks.

    Managing The Laissez-Faire Leader: The individual who is self-motivated and needs little praise will work well under this type of leader. This leader craves facts such as costs, statistics and research findings. Provide these facts and figures for your boss, while at the same time trying to stress some human elements. Encourage your boss to clarify exactly what is to be accomplished.

    Leader #3: The Participatory Leader The Participatory Leader is adept at communication procedures. Under this type of boss, employees are given precise feedback and recognition when deserved. The Participatory Leader strives to involve employees in the assessment process. He or she is inspirational and innovative. The Participatory Leader customises the type and amount of feedback required for each employee.

    Managing The Participatory Leader: The most effective way of dealing with the Participatory Leader is to feed back the same techniques that he or she uses with subordinates. Keep them informed of what does and does not work. Since this type of leader is interested in results, your opinions will be heeded.

    Leader #4: The Develop Leader This leader goes a step beyond the Participatory Leader. The Develop Leader fosters staff self-esteem, autonomy and competence. Techniques for success are isolated and taught to subordinates as the need arises. The Develop Leader empowers staff and nurtures a feeling of reverence, not in the boss, but in the employees themselves.

    There is often a high staff turnover rate for employees of develop leaders. But it is a good one because it is upward. Because this type of leader creates such a high level of competence amongst the ranks, there is always someone to take over when someone moves up.

    Both the Develop and the Participatory leader expect good performance from their subordinates. This expectation is communicated not only verbally, but also through a trusting working relationship, which encourages autonomy.

    Boss Weaknesses Be there for your boss. Your boss will appreciate your help to address ability gaps.

    Lack of Training: Is your boss a whiz at finance, but uncomfortable dealing with human elements? Few managers score A's on both task and people-oriented responsibilities.

    Unclear purpose: Can your manager clearly define goals? A clearly understood purpose assists everyone to fulfil their roles.

    Fear of rocking the boat: Does your boss resort to the familiar while stifling new ideas? Managers must adapt to changing values and needs.

    Being a saviour: The boss who insists on expending valuable time and money to keep proven weak people afloat, helps nobody. This boss ignores competent staff. At best, this approach postpones the inevitable dismissal day.

    Having to be right: Even the most talented executive must be willingly to make amends when they have been wrong.

    Low compatibility: A manager must be willing and able to create alliances with peers, superiors and subordinates. Compatibility is mandatory in the executive suite.

    Demanding agreement: Many bosses find it difficult to accept different points of view. Bosses should seek acceptance and assistance, not agreement.

    Confusing efficiency and effectiveness: Efficient workers get things done quickly. Effective staff achieve the right goals. The two should be balanced, with priority going to effectiveness.

    Boss Strengths By leveraging strengths you compliment and complement your boss.

    Causes agreement: Idea exchanges lead to the best possible solution. Everyone's opinion is welcomed and valued.

    Manages with continuity: Issues are discussed at

    Do You Zig and Zag?
    T. Harv Eker, author of Secrets of the Millionaire Mind, states that the journey to success is full of twists, turns, ups, downs, stops and reverses. You have to "zig zag" your way to success.He is right. Once you understand this fact, you will begin to understand that your own journey to success will be full of adventure and different roads. Roads that you may not have chosen to venture down, but roads that will ultimately lead to your success nonetheless.We are only kidding ourselves if we really believe that everything will be smooth sailing and will go exactly the way we want it to.Understanding that life presents us with sudden concerns and problems will allow us to be prepared to deal with the unexpected. We won't have unrealistic expectations that will stop us in our tracks.We understand that as we travel the journey to success, we will have to evaluate, correct, re-align, straighten, and review continuously.Releasing ourselves from the misguided belief of an 'easy road' gives us the freedom to make mistake
    Leader #4: The Develop Leader This leader goes a step beyond the Participatory Leader. The Develop Leader fosters staff self-esteem, autonomy and competence. Techniques for success are isolated and taught to subordinates as the need arises. The Develop Leader empowers staff and nurtures a feeling of reverence, not in the boss, but in the employees themselves.

    There is often a high staff turnover rate for employees of develop leaders. But it is a good one because it is upward. Because this type of leader creates such a high level of competence amongst the ranks, there is always someone to take over when someone moves up.

    Both the Develop and the Participatory leader expect good performance from their subordinates. This expectation is communicated not only verbally, but also through a trusting working relationship, which encourages autonomy.

    Boss Weaknesses Be there for your boss. Your boss will appreciate your help to address ability gaps.

    Lack of Training: Is your boss a whiz at finance, but uncomfortable dealing with human elements? Few managers score A's on both task and people-oriented responsibilities.

    Unclear purpose: Can your manager clearly define goals? A clearly understood purpose assists everyone to fulfil their roles.

    Fear of rocking the boat: Does your boss resort to the familiar while stifling new ideas? Managers must adapt to changing values and needs.

    Being a saviour: The boss who insists on expending valuable time and money to keep proven weak people afloat, helps nobody. This boss ignores competent staff. At best, this approach postpones the inevitable dismissal day.

    Having to be right: Even the most talented executive must be willingly to make amends when they have been wrong.

    Low compatibility: A manager must be willing and able to create alliances with peers, superiors and subordinates. Compatibility is mandatory in the executive suite.

    Demanding agreement: Many bosses find it difficult to accept different points of view. Bosses should seek acceptance and assistance, not agreement.

    Confusing efficiency and effectiveness: Efficient workers get things done quickly. Effective staff achieve the right goals. The two should be balanced, with priority going to effectiveness.

    Boss Strengths By leveraging strengths you compliment and complement your boss.

    Causes agreement: Idea exchanges lead to the best possible solution. Everyone's opinion is welcomed and valued.

    Manages with continuity: Issues are discussed at

    Are Movado Watches Worth The Price?
    There is no question whether or not movado watches have won over society with its brilliant artistic features and display for time. However, the movado price is perhaps a little too much for a watch. By raising their prices to what they are, it ultimately narrows its target market down significantly. So the question is, are movado watches worth the price?The answer to this question depends solely on what you are looking for in a watch. If you want a classy business-like watch, then it is certainly worth the price. Everything from the strap to the dial to even the hands is crafty and provides style. However, with all this said there are a number of downsides to purchasing movado watches at the movado price.The first downside to movado watches does not necessarily apply to all of their watches. Their signature one dot at the 12 o'clock mark is very classy, but it makes it difficult to read the time. With no hour or minute markers, the consumer has to guess approximately what time it is. Not all watches have the signature dot on
    oles.

    Fear of rocking the boat: Does your boss resort to the familiar while stifling new ideas? Managers must adapt to changing values and needs.

    Being a saviour: The boss who insists on expending valuable time and money to keep proven weak people afloat, helps nobody. This boss ignores competent staff. At best, this approach postpones the inevitable dismissal day.

    Having to be right: Even the most talented executive must be willingly to make amends when they have been wrong.

    Low compatibility: A manager must be willing and able to create alliances with peers, superiors and subordinates. Compatibility is mandatory in the executive suite.

    Demanding agreement: Many bosses find it difficult to accept different points of view. Bosses should seek acceptance and assistance, not agreement.

    Confusing efficiency and effectiveness: Efficient workers get things done quickly. Effective staff achieve the right goals. The two should be balanced, with priority going to effectiveness.

    Boss Strengths By leveraging strengths you compliment and complement your boss.

    Causes agreement: Idea exchanges lead to the best possible solution. Everyone's opinion is welcomed and valued.

    Manages with continuity: Issues are discussed at regular intervals. This minimises surprises and last minute fire-fighting.

    Matching people with work: An effective leader carefully considers not only work experience but personality traits when staffing an assignment.

    Understands the job: A good leader will develop trusted, valuable employees who strive to contribute to the organization because they feel needed. The successful leader knows the way, shows the way and goes the way.

    Respect feelings: Emotional needs of employees are recognized. Employees are offered a guiding hand when making decisions. They are not simply handed the solution.

    Gives employees autonomy: Once a level of trust is attained, the more autonomy an employee can handle the better the employee and organization will be.

    Eliminates Boredom: Allows individuals to adapt the work to suit their needs, as long as the job gets done. Seeks results, not methods: New methods to improve effectiveness should be sought, but not at the expense of results.

    Employs positive feedback, not criticism: Focusing on the positive rather than the negative is a proven technique in affecting a desired change in behaviour. This boss "catches subordinates doing something right". "A soft answer turneth away wrath" ... Proverbs.

    Combines co-operation with competition: Organizations, which encourage groups to be simultaneously co-operative and competitive, produce the greatest chances for success.

    Keeping your Boss Happy

    Follow these steps to keep the boss happy:

    1. Learn what your boss expects and values.

    2. Strive for high quality results.

    3. Solve as many problems as possible without the help of your boss.

    4. Keep your boss informed.

    5. Be your strongest critic.

    6. Get regular feedback from your boss.

    7. Differ with your boss only in private.

    8. Save money and earn revenue.

    9. Be a good leader yourself.

    10. Promote only valuable ideas.

    Your boss is not interested in the storms you encountered, but whether you brought in the ship.

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