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    Human Capital White Paper
    Version 1.1What is Human Capital? Human capital is just one of an organisation’s intangible assets. It is basically all of the competencies and commitment of the people within an organisation i.e. their skills, experience, potential and capacity. Other examples of intangible assets include: brand, software, design, working methods and customer relationships. The human capital asset captures all the people oriented capabilities we need for a business to be successful.It’s important to remember, however, that individuals are only an asset insofar as they choose to invest their human capital in an organisation.Some people find the term Human Capital somewhat mechanistic, but human capital is not about describing people as economic units, rather it is a way of viewing people as critical contributors to an organisation’s success. This then throws the spotlight on how businesses invest in their human capital asset, in order for it to add value. For any commercial organisation, this is an important component to understand. If a company understands how its human capital contributes to their business success, it can then be measured and managed more effec
    n to the bottom of the ocean). Practice breathing, stretch, exercise, think positive thoughts, learn from other speakers, rehearse—don’t get me wrong—these are not bad ideas at all, but they are not enough.

    What really works? Training. You can attend a workshop and receive formal training, or you can train yourself. Why haven’t most people been trained before? A detailed explanation would require a treatise on the education system and a discussion of how to improve upon typical results (critics complain that graduates at any level lack strong oral and written communication skills).

    Let’s summarize by reviewing three problems that often exist: 1) New speakers are often forced to address topics that are unfamiliar to them. 2) Speakers are put under undue pressure, pri

    Agent Recruiting in 2006: Not the Same Old Drill
    Let's start off with a given. The 2006 real estate market is tough and unlike anything we've seen in five years. The problem is if we go back five years, it was the advent of the Internet in residential brokerage. We're at an historical point in our business. While the go-go market was going on, real estate consumers changed. Now that we're in a more traditional market, we can't rely on our traditional habits of recruiting and training agents.It's painful, but I'll say it; if a prospective new agent meets with you and they don't have technology skills, won't get technology education, or don't have the money to purchase Internet marketing, take a pass on them. The most recurring theme I've heard from experienced agents this year is, "the market is forcing me to retire." Not really, they were so busy writing contracts the last couple of years they felt they didn't need an Internet presence. Yes they do and did. The market passed them by. Over three quarters of buyers use the Internet in their home search according in The National Association of Realtors. This number hasn't been static either, there is a healthy upward growth in it each and every year.Where do
    Business communications researchers have studied the phenomenon of stage fright experienced by would-be public speakers. Let me summarize most of the findings in very down-to-earth terms: Most people would rather die than stand up before an audience and deliver a speech.

    To suggest that these individuals are as “nervous as a long-tailed cat in a room full of rocking chairs” may be something of an understatement in describing these public speaking “scaredy cats.” The symptoms are similar to food poisoning: a queasy feeling in the pit of one’s stomach, shakes and jitters, and a sincere desire to roll up into a fetal position.

    As a public speaker and one who has provided instruction to others to help them develop their own skills, I have found that certain approaches work. Other approaches “look good in theory,” but are not as helpful. One of the oft-repeated suggestions for overcoming stage fright includes the classic advice, “imagine everyone else is naked.” However, it is rare that everyone else is naked, upon the speaker’s arrival to the podium and as he or she surveys the audience. In fact, I have spoken extensively, and I have yet to spot even one naked audience member—I do think I would have noticed.

    Another typical suggestion is to arrive early, meet attendees, and establish personal contacts with audience members. In keeping with this, speakers are to “find a friendly face” in the audience, and imagine “you are merely having a conversation” with that one person. That’s not a bad idea, except that it would not alleviate the problem that arises with a large audience sprinkled with several unfriendly faces, or one that includes even one hostile heckler.

    Now we’re getting into the root of the problem—the one thing that most public speaking scaredy cats are deathly afraid of—the fear of ridicule, rejection, and public embarrassment. We were kids before we arrived in this predicament of being asked or told to deliver a presentation (usually by a boss or a teacher, the first time around). We know that some people can be real “meanies,” and maybe a few readers even have something to feel guilty about. Perhaps this article will serve a dual purpose, and encourage audience members to become kinder, more attentive, more supportive, too. Maybe more people will quit whispering (sometimes not so quietly) and turn off their cell phones. Smiling would be nice, for both fellow audience members and from the point-of-view of speakers. (If not, don’t worry would-be speakers, I will give you tips to roar like a lion and put those meanies in their rightful place—professionally, and politely.)

    Let’s review a few more of the standard suggestions. There is some value in knowing that you should relax. You should try to relax. However, individuals who have those occasional sleepless nights have been told that they should go to sleep. Swimmers should avoid sharks and avoid sinking. This advice, while true, is about as helpful to would-be speakers as an anchor is to one of those swimmers (of course he or she could possibly fend off a shark by striking it with the anchor, while on the way down to the bottom of the ocean). Practice breathing, stretch, exercise, think positive thoughts, learn from other speakers, rehearse—don’t get me wrong—these are not bad ideas at all, but they are not enough.

    What really works? Training. You can attend a workshop and receive formal training, or you can train yourself. Why haven’t most people been trained before? A detailed explanation would require a treatise on the education system and a discussion of how to improve upon typical results (critics complain that graduates at any level lack strong oral and written communication skills).

    Let’s summarize by reviewing three problems that often exist: 1) New speakers are often forced to address topics that are unfamiliar to them. 2) Speakers are put under undue pressure, prio

    E-Marketplaces Made Simple
    Perhaps you are wondering what an e-marketplace is. Well, for those of you who are not very familiar with this term, I will try to make it as simple as possible. You have probably heard that many buyers and sellers have the chance of meeting online and making a lot of transactions that greatly benefit their business. It is a world of opportunities for such a large number of people, especially because one can either play the role of a buyer or seller, or both!As a matter of fact, an e-marketplace is a platform which serves buyers and sellers at the same time. This way, you can better make sales offers and buy products and services, or examine the buying and selling opportunities from the comfort of your own home or workplace. No more of that tiring running around all day long! You may also add your products and services to many e-catalogs and use numerous other value added features.Each and every businesses owner who decides to participate in an e-marketplace can only benefit from such a choice. Nevertheless, there is a strong relationship between the potential benefits that a company can get from getting involved in an E-marketplace and how heavily the compa
    . Other approaches “look good in theory,” but are not as helpful. One of the oft-repeated suggestions for overcoming stage fright includes the classic advice, “imagine everyone else is naked.” However, it is rare that everyone else is naked, upon the speaker’s arrival to the podium and as he or she surveys the audience. In fact, I have spoken extensively, and I have yet to spot even one naked audience member—I do think I would have noticed.

    Another typical suggestion is to arrive early, meet attendees, and establish personal contacts with audience members. In keeping with this, speakers are to “find a friendly face” in the audience, and imagine “you are merely having a conversation” with that one person. That’s not a bad idea, except that it would not alleviate the problem that arises with a large audience sprinkled with several unfriendly faces, or one that includes even one hostile heckler.

    Now we’re getting into the root of the problem—the one thing that most public speaking scaredy cats are deathly afraid of—the fear of ridicule, rejection, and public embarrassment. We were kids before we arrived in this predicament of being asked or told to deliver a presentation (usually by a boss or a teacher, the first time around). We know that some people can be real “meanies,” and maybe a few readers even have something to feel guilty about. Perhaps this article will serve a dual purpose, and encourage audience members to become kinder, more attentive, more supportive, too. Maybe more people will quit whispering (sometimes not so quietly) and turn off their cell phones. Smiling would be nice, for both fellow audience members and from the point-of-view of speakers. (If not, don’t worry would-be speakers, I will give you tips to roar like a lion and put those meanies in their rightful place—professionally, and politely.)

    Let’s review a few more of the standard suggestions. There is some value in knowing that you should relax. You should try to relax. However, individuals who have those occasional sleepless nights have been told that they should go to sleep. Swimmers should avoid sharks and avoid sinking. This advice, while true, is about as helpful to would-be speakers as an anchor is to one of those swimmers (of course he or she could possibly fend off a shark by striking it with the anchor, while on the way down to the bottom of the ocean). Practice breathing, stretch, exercise, think positive thoughts, learn from other speakers, rehearse—don’t get me wrong—these are not bad ideas at all, but they are not enough.

    What really works? Training. You can attend a workshop and receive formal training, or you can train yourself. Why haven’t most people been trained before? A detailed explanation would require a treatise on the education system and a discussion of how to improve upon typical results (critics complain that graduates at any level lack strong oral and written communication skills).

    Let’s summarize by reviewing three problems that often exist: 1) New speakers are often forced to address topics that are unfamiliar to them. 2) Speakers are put under undue pressure, pri

    Debts Become Easily Manageable With Debt Management Services
    When a situation arises where it is not possible for you to manage your debts then you are only required to avail debt management services. These services act as a manager to handle and pay your debts.Debt management services are being provided commonly these days as debt problem is quite prevalent among people. The lender of the debt management services leave the person with single monthly payment and pays off all the debts on behalf of the person.Usually, it is seen that debt management services are provided by a group of credit experts who charge nominal fees for their services. They not only manage present debts of the person but also give tips as to how to handle finances in future so that they are not trapped in the debts again.There are many benefits of availing debt management services such as:•The lender negotiates with the creditor which results in the reduction in the debt payment.•Reduces monthly outgoing of money•Helps in maintaining good credit score•The person is obliged to make single monthly installment rather than making multiple payments•Awakes the person in regard to manage finances in future<
    m that arises with a large audience sprinkled with several unfriendly faces, or one that includes even one hostile heckler.

    Now we’re getting into the root of the problem—the one thing that most public speaking scaredy cats are deathly afraid of—the fear of ridicule, rejection, and public embarrassment. We were kids before we arrived in this predicament of being asked or told to deliver a presentation (usually by a boss or a teacher, the first time around). We know that some people can be real “meanies,” and maybe a few readers even have something to feel guilty about. Perhaps this article will serve a dual purpose, and encourage audience members to become kinder, more attentive, more supportive, too. Maybe more people will quit whispering (sometimes not so quietly) and turn off their cell phones. Smiling would be nice, for both fellow audience members and from the point-of-view of speakers. (If not, don’t worry would-be speakers, I will give you tips to roar like a lion and put those meanies in their rightful place—professionally, and politely.)

    Let’s review a few more of the standard suggestions. There is some value in knowing that you should relax. You should try to relax. However, individuals who have those occasional sleepless nights have been told that they should go to sleep. Swimmers should avoid sharks and avoid sinking. This advice, while true, is about as helpful to would-be speakers as an anchor is to one of those swimmers (of course he or she could possibly fend off a shark by striking it with the anchor, while on the way down to the bottom of the ocean). Practice breathing, stretch, exercise, think positive thoughts, learn from other speakers, rehearse—don’t get me wrong—these are not bad ideas at all, but they are not enough.

    What really works? Training. You can attend a workshop and receive formal training, or you can train yourself. Why haven’t most people been trained before? A detailed explanation would require a treatise on the education system and a discussion of how to improve upon typical results (critics complain that graduates at any level lack strong oral and written communication skills).

    Let’s summarize by reviewing three problems that often exist: 1) New speakers are often forced to address topics that are unfamiliar to them. 2) Speakers are put under undue pressure, pri

    Are You Overlooking the Benefits of Using Sub-Domains Within Your Web-hosting Account?
    One of the most useful features offered by some web hosting companies, is the option of creating sub-domains in the same web hosting account. The problem is, most website owners are not aware of why and how to create sub-domains.A sub-domain is a web address pointing to a sub directory within the main website directory. The website consists of files organized in directories and and sub-directories.A directory in a website is a folder in the web hosting account. The main website files reside in a folder called the /WWW folder, and this is accessed when someone types the URL which is the domain with a http://www in the beginning This where the home page of the website and other pages, like contact us, reside.Suppose that you start expanding your website from couple pages to tens or more, and you want to add to your website different categories of information, how would you organize the information?. For example, if your website is used for business reasons, and you have to add sales, inventory, and other department information,This is when sub-domains come into play. They serve to organize your web pages in different directories in order to m
    rn off their cell phones. Smiling would be nice, for both fellow audience members and from the point-of-view of speakers. (If not, don’t worry would-be speakers, I will give you tips to roar like a lion and put those meanies in their rightful place—professionally, and politely.)

    Let’s review a few more of the standard suggestions. There is some value in knowing that you should relax. You should try to relax. However, individuals who have those occasional sleepless nights have been told that they should go to sleep. Swimmers should avoid sharks and avoid sinking. This advice, while true, is about as helpful to would-be speakers as an anchor is to one of those swimmers (of course he or she could possibly fend off a shark by striking it with the anchor, while on the way down to the bottom of the ocean). Practice breathing, stretch, exercise, think positive thoughts, learn from other speakers, rehearse—don’t get me wrong—these are not bad ideas at all, but they are not enough.

    What really works? Training. You can attend a workshop and receive formal training, or you can train yourself. Why haven’t most people been trained before? A detailed explanation would require a treatise on the education system and a discussion of how to improve upon typical results (critics complain that graduates at any level lack strong oral and written communication skills).

    Let’s summarize by reviewing three problems that often exist: 1) New speakers are often forced to address topics that are unfamiliar to them. 2) Speakers are put under undue pressure, pri

    When A Loan Becomes Delinquent, Why Involve Debt Collection Agencies?
    It is a sad fact of everyday life that many consumers will at some point find themselves in debt. Whether the debt is accumulated through credit cards, personal loans, hire purchase, catalogues or utility bills, falling into debt is unfortunately becoming more and more commonplace in the UK. In some cases falling into debt can be attributed to an unfortunate change in personal circumstances, such as the break-up of a relationship or unemployment. In other cases falling into debt can be attributed to the consumer simply over extending themselves when taking out loans or other finance.Consumer debt in the UK has recently crossed the ?1trillion threshold, prompting leading UK banks Barclays and HSBC to voice concerns over the ever-rising tide of consumer debt. In order to combat this problem and alleviate the strain on their in-house resources, many Banks and finance houses employ the services of debt collection agencies in order to try and reclaim money that has been loaned out to consumers and have subsequently become ‘delinquent’.Debt collection agencies specialise in acquiring delinquent debts from various sources such as banks, credit card companies, utili
    n to the bottom of the ocean). Practice breathing, stretch, exercise, think positive thoughts, learn from other speakers, rehearse—don’t get me wrong—these are not bad ideas at all, but they are not enough.

    What really works? Training. You can attend a workshop and receive formal training, or you can train yourself. Why haven’t most people been trained before? A detailed explanation would require a treatise on the education system and a discussion of how to improve upon typical results (critics complain that graduates at any level lack strong oral and written communication skills).

    Let’s summarize by reviewing three problems that often exist: 1) New speakers are often forced to address topics that are unfamiliar to them. 2) Speakers are put under undue pressure, prior to developing basic skills. In academic settings there are egg timers and grade point reductions. In professional settings there are hopes for promotion and fears of demotion, pegged to the performance. 3) Athletes practice five hours a day; students may not accumulate that same amount of podium or stage experience during the course of earning an entire degree, unless speech becomes a personal pursuit.

    Let’s turn this around, for the sake of your academic progress, career potential, and (or) self esteem. First, you need coaching, training, and practice. You need role models. You need to make “speaking,” as an activity, a pursuit that you engage in with at least the same amount of vigor as a hobby that you enjoy.

    Here are some of the elements of a good training regimen: Practice speaking several times per week. Have you seen those exercise equipment infomercials that say, “in just twenty minutes a day, three times a week, you can have the kind of body you’ve always wanted”? Well, that sounds about right, except that what you need is a podium and an audience. You can join a speaking group such as Toastmasters (as a member of a chapter near you). You can offer to read announcements in a business, religious, or school setting. You can introduce yourself, often, in organized networking meetings. You can introduce yourself to other groups. You can introduce other speakers to groups (that might be a great way to get coaching—assisting an established speaker as an intern).

    The nice thing about following the above training regimen advice, is that you can start small, and take care of the challenge of developing basic skills in bite-sized increments. There is one catch, which has to do with the fact that you’ll have homework. You must read other people’s speeches, and practice writing your own. One source for studying the heavy hitters is to visit your local library and look for access to a “Vital Speeches of the Day” database. You may also want to do what I just did on a popular search engine. I ran the term “speech writing” and came up with over three million hits. Now, as we all know, some of those hits will lead to services that require commercial payment. Later, that may be appropriate for some resources.

    If you develop basic skills and progress to a level of mastery, you can actually get paid for speeches. How much do speakers make? According to the National Speakers Association, an average professional speaker’s fee is around $3,500, plus expenses such as travel, accommodations, and program materials. Newly established speakers charge less, often an honorarium is given in the range of a few hundred dollars. On the other hand, nationally recognized “celebrity speakers” often charge fees ranging from $5,000 to $100,000. Now that’s what I would call a built-in incentive program for you, if being promoted or passing an academic course with flying colors is not enough.

    If you’ve been following my article writing progress, you have probably deduced that the other critical component of public speaking success is to know your subject. This is not just knowledge at an inte

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