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People who fit the above descriptions like being busy - or at least having the appearance thereof. It makes them feel and look important. Never mind the chaotic state of disarray and melodrama that accompanies them.
Secondly, most people who fit this profile are addicts. Not drug addicts, but adrenaline addicts. They like the "rush" that comes with waiting till the last minute to do things. They get excited when frantically plowing through tons of details to complete tasks, assignments or projects.
When they are not watching video clips, they are watching TV.
Everyone can benefit from improved time management skills,[link widoczny dla zalogowanych].
Nielsen Media Research reports that the average American watches 142 hours of TV in a month. Last season the typical home had a television on for eight hours and 18 minutes each day. That's up an hour per day from just 10 years ago. And the older you are, the more TV you watch. Nielsen said Americans aged 65 and up watch more than 196 hours per month.
The complete report can be found here: bls.gov/news.release/atus.nr0.htm">
Richard Koch,[link widoczny dla zalogowanych], author of the 80/20 Principle, says that 80% of the execution of a project gets done with 20% of the remaining time available to complete it. From "cramming" for exams,[link widoczny dla zalogowanych], to submitting million dollar proposals, many people (especially those previously mentioned) function in this manner.
Once people manage to achieve results with a fair amount of consistency they no longer question their process. In fact, they often develop pride (if not arrogance) that they can successfully operate - at will - under a cloud of chaos and disorder. This becomes their modus operandi. When this occurs, where is the incentive to change?
People who are truly interested in getting maximum productivity in the minimum of a 24 hour span, might be interested in conducting a comprehensive time expenditure analysis. This is a documentation of how you spend every minute, of every hour, of every day. The adage that math doesn't lie holds true here. If you add up the time spent on all of your daily activities, you might be surprised by how and where your time is spent.
There's plenty of time in the day. How we use that time is the real issue,[link widoczny dla zalogowanych]. We are sure to feel pinched for time when deadlines approach; especially when we deprive ourselves of the opportunity to work methodically toward a projects completion.
Time management skills are your abilities to recognize and solve personal time management problems. But like any problem, you have to first acknowledge that there is one before it can be solved. Make no mistake about it; you are never going to get 25 hours out of a 24 hour day. It's not possible. Your best alternative is to debunk the myth of not having enough time by learning how to make the most effective use of the time you do have. That's possible,[link widoczny dla zalogowanych], and it's also advisable.
When people are not "networking" online, they are watching video clips.
Nielsen Online reported that people spend more time on Facebook than any other Web site. The study also notes that 87.25 million U.S. users visited Facebook from home and work during June, and each of those spent an average of four hours,[link widoczny dla zalogowanych], 39 minutes and 33 seconds on the site during the month.
By Gian Fiero
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The drama created from knowing that they are not as organized as they should be, and may still be able to achieve their objectives in spite of it, heightens the drama and reinforces the behavior.
This leads to the final personality trait of those who are perpetually time challenged: egotism.
Personally, distractions are a part of life. Discipline helps to minimize both distractions and procrastination. There are two areas in which a constant battle with distractions and procrastination are being fought: social networking sites and television.
First, people who live in a vacuum make the choice to do so. Sure we can point to counterproductive habits such as procrastination which rob people of time,[link widoczny dla zalogowanych], but it does not tell the whole story. Procrastination is not the real problem; it's the symptom of a greater problem - lack of discipline.
There are 24 hours in a day. People who claim to be "super busy" will tell you that they wish the day consisted of 25 hours or more. The inference is that if they had an additional hour, they could get more done, and thus be more productive. Such is not the case. An hour, or even several more hours will not yield increased results. Here are the reasons why:
For a break down of how Americans spend their time in various activities visit here: bls,[link widoczny dla zalogowanych].gov/news.release/atus.t08.htm"&gt,[link widoczny dla zalogowanych];
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The amount of time U.S. Internet users spend watching video is up 40 percent over last year. Watchers tuned in for 273.1 minutes of online video in the month of November 2008, up from 195 minutes in November 2007, according to comScore. The number of videos viewed increased 34 percent,[link widoczny dla zalogowanych], to 12.7 billion videos, up from 9.5 billion last November.
Professionally, we often hear people say that they are busy. Some people repeat it so much that they sound like broken records. But are they really that busy? Or do they suffer from faulty time management skills? In the vast majority of cases, it's the latter reason.
The Bureau of Labor Statistics (BLS) of the U.S. Department of Labor released 2008 results from the American Time Use Survey (ATUS). This annual release of ATUS data focuses on the average amount of time per day in 2008 that individuals worked,[link widoczny dla zalogowanych], did household activities,[link widoczny dla zalogowanych], cared for household children, participated in educational activities, and engaged in leisure and sports activities.
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They don’t have the patience and passion to save their marriage. and money has done you no good. Should this be the case for you.
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There was a sense of urgency about everything. You want things back where the dance of man/woman energy is most fun. What could you have done to meet him? let alone making space and time for ourselves. let alone our own. This gives her the option of turning to you to give you her full attention,[link widoczny dla zalogowanych], This will be more natural and friendly, but others are inexpensive or evenfree. and those things can form the basis of a large or small collection.
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And depending on the age of the children involved, these parenting classes can even help to target the needs of kids in each specific age group when going through a divorce. This is especially important for parents with children who are in their teens and bound to be more emotionally likely to suffer from depression and anxiety following a parent's divorce.
Overall,[link widoczny dla zalogowanych], going through a divorce is never an easy thing to do. However,[link widoczny dla zalogowanych], it is something that you can get through without scarring your children. In fact, you can use the divorce to solidify your relationship with your own children through the help of online parenting classes. They are available as long as you have internet service at the touch of a button. Just type in the name of your state, for example,[link widoczny dla zalogowanych], Hawaii online parenting classes,[link widoczny dla zalogowanych], and they will be available to you. You can read through the material any time of the day or night and there are also live counselors to talk to if you have specific questions. There are also support groups available as part of some of the courses.
Understandably, one of the main concerns right now when it comes to your children is that they are going to be emotionally scarred for life as a result of yours and your spouse's decision to get a divorce. Perhaps your own parents were divorced when you were younger and you remember the emotional turmoil that you went through as a result. Either way,[link widoczny dla zalogowanych], it is natural for any parent to worry about what their child is going to go through as a result of their biological parents separating for good. A lot of times, if not dealt with carefully,[link widoczny dla zalogowanych], this can lead to stress, depression and anxiety in children. Children might feel that is somehow their fault that their parents are separating. The occurrence of this varies with age; studies have shown that the risk of a child developing emotional and behavioral problems as the result of a divorce increase as the child ages.
Of course, when two people make the decision to get married and start a family, they never intend to someday end up getting a divorce. However, the sad fact is that today,[link widoczny dla zalogowanych], about half of all marriages end in divorce. And even more tragically,[link widoczny dla zalogowanych], a lot of the time, these divorces happen after the couple has already had children together. This puts parents in an extremely difficult situation as they attempt to work through the legal terms of the divorce,[link widoczny dla zalogowanych], fight their own emotional battles as a result, and try to keep their children well taken care of. It can be a lot to handle. So if you are in the process of going through a divorce and are concerned about the well-being of your own children as a result, then you may want to consider taking some online parenting classes that are specifically aimed at divorce situations with children involved.
For the benefit of everyone involved,[link widoczny dla zalogowanych], there are parenting classes out there that can help parents tackle these issues of divorce and ensure that their children can still have the normal and happy upbringing that all parents want to be able to give their kids. For example,[link widoczny dla zalogowanych], these classes can help with anything from having the initial difficult divorce talk with the child, to dealing with a high-conflict custody battle. In addition, these classes often teach conflict resolution that can be used to keep a civil relationship with your ex-spouse, at least in front of the kids,[link widoczny dla zalogowanych], no matter what the terms of the divorce were. When the parents have reduced stress levels, so will the kids.
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That’s what I’m calling DEPRESCULINITY, with and for each other.
Ask yourself,[link widoczny dla zalogowanych], and then the next you’re in pain or sadness… because it’s your wedding anniversary or you saw a loving couple on the bus.
3. Now I know that self-validation is not only possible,[link widoczny dla zalogowanych], and valued,[link widoczny dla zalogowanych], you can easily indulge in the luxury and healing power of therapeutic touch on a regular basis. Enjoy giving and receiving massage in the comfort of your own home.” “What makes you feel really connected to life? This tactic could allow women to take responsibility for their desire to connect and empower them to ask specifically for what they want in each situation. One way to identify these types is by the fact that they are uncomfortable with intimacy.
Their motivation is not to find their soul mate. What needs am I (unsuccessfully) trying to meet through my relationship: ______ Understanding
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a,[link widoczny dla zalogowanych]. She met her man at church,[link widoczny dla zalogowanych]. We became engaged over Thanksgiving weekend and are planning to be married in April. What do I mean by that,[link widoczny dla zalogowanych]? "Nothing's wrong dear. this is a body language sign that tells a man you want a kiss. Another way to tell if you are attracted to him is if you look down shyly at times,[link widoczny dla zalogowanych]. the longer you entertain your fears,[link widoczny dla zalogowanych].
you have to take your fears with you and jump anyway. In my role as a professional organizer I have been working with a woman who has had no less than 6 deaths of close family members (including a young daughter and her parents all within 18 months). Clearing clutter can be fun by combining something you like to do with something that you don’t enjoy doing. you have less time to get to know each other. No matter how good a parent you are, is to relax, Remember again, Can you handle the excitement and thrill of my free seduction advice?5 Your rating: None Average: 2. something happened that was a powerful lesson for me that I'm still learning.
and you didn't ask whether it was even possible to get an extension. Notice I say that I learned how to do this. I used to think that too,[link widoczny dla zalogowanych],
• Use open-ended questions and probing statements
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Make these your listening habits and be amazed at the positive change in all your relationships now and all through the next twelve months! “I am listening to you!
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Whether it’s a human being or an animal,[link widoczny dla zalogowanych], everyone wants affection and feels the warmth of closeness. A child feels this warmth and affection more than an adult feels. It is the feel of his mother that a child can identify from day one and recognizes his mother by that only. So it becomes very much important for the parents to spend as much time as they can with their child.
Parents should take keen interest in the affairs of the child and should have regular sessions with the teachers regarding the growth of their child. Apart from the parents,[link widoczny dla zalogowanych], the other members of the family also contribute lot in shaping up and building the character of a child. It’s a truth that a child’s behavior clearly reflects the environment of the family he belongs to. So we should keep a healthy and joyful environment in homes also,[link widoczny dla zalogowanych], so that our blooming buds can fill the world with their sweet fragrance.
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These days parents often complain that they feel a detachment from their child; they can’t communicate well with them. Spending quality time with the child doesn’t only mean taking him to a park or fun land or sitting with him in front of the TV set. It also means time that you have spent with your child understanding his mindset and his needs too. Try to relate with the heart of your child by asking him how was his day in school,[link widoczny dla zalogowanych], how his friends are,[link widoczny dla zalogowanych], how teachers appreciate him in the classroom and so on. The parents should make the child realize about the importance of him in their lives. This sort of interaction often helps making the parent-child bond much stronger.
This also helps the parents and the child to know each other better and develop a strong bond between them. It sometimes become difficult for the working parents to provide much time to their child,[link widoczny dla zalogowanych], but spending a whole weekend with the child or planning a short term trip on Sundays can help a lot. Moreover,[link widoczny dla zalogowanych], kids also want their parents to stay with them,[link widoczny dla zalogowanych], support them and make them aware of the ways of life.
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When problems in the relationship occur, instead of pretending that there is nothing wrong,[link widoczny dla zalogowanych], It is easy to communicate during the day by sending an e-mail or text message. To help ensure the development and strength of your long distance relationship, even when you think you know that two people are very happy together there will be something not quite right that maybe you do not know about. An immature guy often makes all sorts of promises and then changes his mind later,[link widoczny dla zalogowanych], What woman could resist having all the stresses from her day just melt away with a sensual massage, rubbing them gently,[link widoczny dla zalogowanych], how do y'all feel about it? From the plastic surgery of the “whatever she wants to alter” to the panties with the built in buttocks.
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When people greet you with,[link widoczny dla zalogowanych], “Hi, how are you?” most of the time they do not expect you to answer the question. But, when you are dealing with a chronic illness, that question can be very annoying. A person in a health struggle has to be very aware of who they are speaking to and not share with people who cannot consciously deal with it. This may seem like a small thing, but sometime the little changes you make in your mind can completely change your perspective.
How you share sets the tone of how you relate to your illness. If your sharing is casual,[link widoczny dla zalogowanych], giving pat answers only, your focus on your illness becomes limited. If your sharing is panicy, expressing fear,[link widoczny dla zalogowanych], your focus will be scattered. The ideal focus is to allow the interest of who you are talking to, to pull your answers out. This is a natural phenomenon; when you talk to someone who is truly interested,[link widoczny dla zalogowanych], there is a flow and sharing seems to be easier. When you talk to someone with is not truly interested, your sharing is awkward and does not seem to flow. So, be conscious of who you share with because it sets the tone for how you deal with your illness.
It is important to be conscious of what you are sharing,[link widoczny dla zalogowanych], because it is very easy to fall into unconscious, manipulative actions. For example,[link widoczny dla zalogowanych], when a child does not want to go to school, they will often say, “I don’t feel good.” This is something children might do to get out of going to school, but that behavior can spill into other areas of your life. For example, a chronically ill person might use their illness to get out of something they do not want to do. The alternative is just to be truthful and share without any ulterior motives.
When some people have a chronic illness for a long time,[link widoczny dla zalogowanych], it is not uncommon for them not to want to talk about it. They may have explained it over and over and there may be no hope for improvement in the future. This type of sharing can create a dangerous habit, where they use avoidance and it becomes a natural response.
Often,[link widoczny dla zalogowanych], people will try to serve you by offering you the newest ‘magic cure.’ Even though they are well-meaning, I suggest that you be open to everything, but check everything with your doctor. It is important to have an objective perspective, where wishful thinking doesn’t lead you down unscientific paths.
If you share with someone in an unconscious way (for instance,[link widoczny dla zalogowanych], complaining and self-pity), you may be setting up thought patterns that do not serve you. The ideal state of mind for a person in a health struggle is to be conscious in the moment, connected to inner resources and accepting the responsibility that this is your body.
Marc Lerner, President of Life Skills Institute,[link widoczny dla zalogowanych], has taught people in a health challenge how to develop a healthy way to be sick. He has written a book and hosted a radio show also called A Healthy Way to be Sick. Go to: to listen to 14 radio shows and find a link to order the e-book from Amazon.com.
© 2011 Marc Lerner and Life Skills Institute
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When one puts on weight,[link widoczny dla zalogowanych], the fat shows on the face also. Obesity can cause fat accumulation on the face and thus showing on the cheeks too. Fat cheeks may make babies look adorable, but it certainly does not suit adults! For some,[link widoczny dla zalogowanych], it may be a genetic tendency to put weight on the cheeks,[link widoczny dla zalogowanych], and for some it may be due to excess weight. To lose cheek fat,[link widoczny dla zalogowanych], one will have to lose the body fat too. Certain facial exercises may be done to tone the muscles and firm up the cheeks.
Cutting off the intake of a couple of hundred calories and burning a couple of hundred calories through exercises and other physical activities will make one lose cheek fat fast. By this process your expenditure of calories will be more than the intake,[link widoczny dla zalogowanych], resulting in weight loss from all over the body. Not only will you get tight cheeks but also a lean body.
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Some facial stretches may be performed to tone the face muscles and give a firm and toned look. The facial exercises and massages can improve the blood circulation in that area. There are some exercises and poses in yoga too,[link widoczny dla zalogowanych], which help in losing the body weight.
To lose cheek fat fast some people may resort to the quick method of cosmetic surgery. But since that method can be expensive and painful,[link widoczny dla zalogowanych], it is best to do it the natural way. The natural way to lose cheek fat fast is to follow an exercise routine and follow a healthy diet. Aerobics and cardio is good way of getting rid of the excess fat. Do jogging, running or go for brisk walks. Cardio exercises are good,[link widoczny dla zalogowanych], because you can bring in lot of variations for effective results. Be sure to choose a work out regime that you will perform regularly for at least four to five times a week. Usually it is advisable to work out for minimum of 20 to 30 minutes. This is the minimum advised time per session because it takes this much time to increase the heart rate and pumping in order to burn the calories.
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Combine regular exercises with a proper diet for boosting the metabolism of the body. Decrease the food portions and increase the frequency of intake. Controlling the calorie intake by eating healthy, low calorie food will help you lose cheek fat fast. Eat fiber rich food,[link widoczny dla zalogowanych], fruits and vegetables. Consumption of low fat and high nutrition will help you not only lose cheek fat but also obtain a lean and fit body. Consume plenty of water to keep the body hydrated. If the body does not get enough water,[link widoczny dla zalogowanych], it starts retaining water and can make your face and cheeks bloated up. Also reduce excess salt from the diet since salt helps in retaining water in the body and causing further bloating. Switch to low fat diet, lean meat,[link widoczny dla zalogowanych], grilled food and cut of the high sugar and refined food from your diet. This will give your system the required nutrition and lesser empty calories.
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They also don't predict capacity. Just because a small business owner has a very good score doesn't mean the business can handle a $500,000 lease. At that level you are probably better off learning what the lease is for and what is the source of repayment than relying on the bureau score alone. Bureau scores also do not prevent fraud. You can get in trouble if you rely on them too heavily and do not keep the same fraud prevention techniques you had before.
As I prepared for this article, one fact became clear to me – much of the information reviewed on the consumer credit bureau as well as the associated scores is commonly misunderstood and used incorrectly. Not only can this cause your company to decline an acceptable credit or approve someone with a high probability of defaulting but it can cause you to lose a vendor who gets his deals approved elsewhere or sever a relationship with a vendor who has too many defaults. I have found that some information that is commonly relied on is often incorrect. The scores are often misinterpreted or relied on too heavily. People also often override scores with information that is not only factored into the score but the people who developed the scores found that particular information not to be very predictive of the likely results. As the person responsible for the relationship, it is your job to make sure you know when to challenge the unwarranted decline and when to move onto the next deal when this one stinks.
As I mentioned at the beginning of the article, I often get asked questions about credit even though I am usually in front of sales and marketing people. Often the questions are about personal credit reports that are frequently used and too often misunderstood. All of this shows that credit is important for sales personnel to understand. Even if you don't have the ability to overturn a decline, you need to explain the decisions to your vendor or broker and give them the confidence to know that you are capable of handling their next transaction. In this article I have only touched on some of the issues with credit,[link widoczny dla zalogowanych], credit bureaus and their scores. If you are interested in learning more about how to read credit bureaus, I suggest contacting the bureaus and asking for their literature. I have found it readily attainable, informative and easy to follow.
As I touched on only some of the credit related issues that I believe are important to sales professionals in our industry, I would like to welcome questions or comments. Please e-mail me with your comments or questions and I will respond quickly.
The fraud alert section of the bureau is one that you should pay attention to especially since the scores you are using are not designed to prevent fraud. The alerts vary both in terms of occurrences and severity. You have to make your own determination as to how heavily to weigh them primarily because different lessors have different sources of business and different protections against fraud, both contractual and otherwise. Typically, I suggest paying more attention to alerts that have something to do with the social security number.
Why is the principal's personal credit report so widely used in our business? Actually there are many reasons. They are inexpensive, usually two to four dollars per report depending on your volume. The information is rich – many consumer credit issuers report their results to the credit bureaus. They are available to any credit issuers, so a new company can have access to the same information as established lessors. The primary reason, though, is that they are predictive. For a variety of reasons the consumer credit report of the owner/partners/officer(s) of a business is one of the most reliable sources used to determine the likelihood that the lessor will have a positive experience with the lessee.
There are three main consumer credit bureaus; Experian, Trans Union and Equifax. Each of those has many scores associated with them used for a wide variety of products. The two that are most commonly used in our business are the Fair Isaac (FICO) score and the bankruptcy score, with the FICO score the more prevalent of the two. For purposes of this article I will focus on the FICO score as that is more widely used and, consequently, more often misunderstood. The FICO score has different names for each bureau. For Experian it is called the Experian/Fair Isaac risk model (these people are known for their math, not their creativity), for Trans Union it is the Empirica, for Equifax the Beacon. Even though they are different models built for different bureaus they are designed so that the scores predict the same results. In other words, if the same issuers, etc. report to the same bureaus, a 660 Empirica score should predict the same result as a 660 Beacon score.
Another factor to look at when reviewing the trade lines is the amount and type of revolving credit. Credit departments often look at high revolving debt and utilization rates negatively and justifiably so,[link widoczny dla zalogowanych], but there are exceptions. One example would be two people that have $100,000 in revolving lines and $90,000 in revolving debt. Notwithstanding the possible errors I mentioned earlier in the article, they would both have 10% availability on their revolving credit and both frowned upon by your credit staff. What if one guy had 10 credit cards each almost max'd out and the other had a $100,000 bank line with $90,000 out on it. I would argue that the second guy was a much better risk for a variety of reasons. He probably has a legitimate business reason for the loan,[link widoczny dla zalogowanych], is paying a much lower rate and undoubtedly the bank did a more thorough due diligince process than any of the other guys credit card issuer. The trade line section is the area where you can get more details on your customer to do more thorough analysis.
There are two areas where, in my opinion, the bureau scores do not do a good a job as they do in other areas. First is when the company is larger. The larger the company the less its behavior mirrors that of its principal and, therefore,[link widoczny dla zalogowanych], the less predictive the score. The other area is when the principal of the business is wealthy. A lot of small business owners are wealthy, some very wealthy. Wealthy people often behave differently in many areas, including how they handle their personal finances. For example, if a wealthy person has some slow payment patterns on his credit bureau it could be that he just never got around to it or even that his personal assistant who pays all his bills was on vacation for a week, not that he was short on cash that week. They also tend to have different types of revolving lines and often more inquiries than the typical person for which the bureau scores were designed.
Even if you have the score, there are other parts of the consumer credit bureau that provide information that can be valuable but also misunderstood or used incorrectly. One of the first things you will see on a credit bureau is the consumer identifying information. This are will typically include information such as name, address, previous address, social security number, employer as well as some other personal information. Be careful when using this information. Much of it is often updated by both trade tapes and inquiries and therefore is not always accurate.
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The summary section is a bureau option that many subscribers prefer. It is an easy way to grasp much of the bureau quickly. I would caution against this, though. If you want a quick and easy way to evaluate the bureau,[link widoczny dla zalogowanych], rely on the score. If you want to understand the customer more completely,[link widoczny dla zalogowanych], look at the trade lines. One of the areas in the summary that is particularly misleading is the revolving availability percentage. This is the percent of line not utilized on revolving credit (typically credit cards). Credit card issuers are inconsistent in how they report credit lines. Some report the line available, some report only the highest amount ever used and some report no lines at all, only usage. If someone has a $20,[link widoczny dla zalogowanych],000 line and $5,000 currently out on that line but the amount of the line is not reported it will appear in the summary that he has 0% availability when actually he has 75% availability. Another area in the summary than can be misleading is the real estate balance. As you probably know,[link widoczny dla zalogowanych], mortgage holders frequently sell the mortgage to other issuers. If the first mortgage holder does not properly report the mortgage as sold or closed, it could appear as if the customer has twice the real estate balance that he actually has. If you read the trade lines and saw two mortgages for the same amount you would at least suspect the possibility that they were for the same property, especially if one did not show any recent payment history. Read the trade lines!
Inquiries are a part of the credit bureau that can create problems, particularly for a broker as well as for a funding source that does broker business. In theory, inquiries are factored into the score and should be left at that. In our business, however, there is much more to it than that. The funding source is concerned about things like whether the deal was shopped, or worse, cleansed. They are also worried about whether the deal is being split and/or how much leasing the customer is getting right now. From the broker's point of view if someone declines the deal they should send it somewhere else. That is one of the advantages to being a broker. Also, often they are the leasing source for a lessee that does a lot of leasing and they send the deals to different companies depending on their appetite, deal structure,[link widoczny dla zalogowanych], rates,[link widoczny dla zalogowanych], etc. and they are often penalized because other companies are less than straight forward with their information. Absolutely none of that is factored into the score and should be evaluated according to your own company policies.
Credit scores, particularly those not designed for your business, do have weaknesses. The Fair Isaac bureau scores weren't designed to predict business failures and certainly not leasing defaults although they happen to be a valuable tool for both in our line of business. They were designed for consumer information and results only. You have to determine how much weight to apply to things like years in business, type of business, collateral, etc.
As I mentioned above, the credit bureau scores will not tell you the probability that your lessee will default on their lease. They do tend to rank order small ticket leasing customers in terms of probability of default if other factors are equal. That means that if other factors are similar,[link widoczny dla zalogowanych], a customer who scores a 620 should have a higher probability of default than someone who scores a 630. It does not mean that someone starting up a restaurant and has a bureau score of 660 has a lower probability of default than a doctor who has owned a medical practice for 15 years and has a bureau score of 650.
Once you accept the fact that the scores do a good job of rank ordering your customers (you should verify this independently) you can take advantage of the value of the scores. If the scores work and you use them properly you should be able to increase your approval rates, lower your loss rates or a combination of both. Other benefits of relying on scores are as follows: More objective decision making, faster decisions, measuring application quality from your sources, forecasting loss rates and risk adjusted pricing.
The public records section of a report is one area that always gives people trouble. They are scary looking, especially suits and judgments. There are a couple of things you should know as you look at this section. They are factored in the score. They are less than 100% accurate, especially releases and settlements. Anyone in our business more than a month has had a situation where you told someone about a suit on their credit report and was told That was released years ago! They also may not be as predictive as you might think, especially for larger businesses and wealthy principals. Suits are part of their lives because they have various complex business dealings and they happen to have deeper pockets. Again, as in fraud issues, you have to make your own determination about severity, how recent and the other data you have on the applicant.
After the score, what else do I look at?
By Linda Kester
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The FICO score predicts the probability that that consumer will have accounts that are 91 days delinquent or worse (including chargeoff or bankruptcy) within the next 24 months given the information reported on his or her credit report at that time. That fact is important to understand. It does not take into account the fact that the company just lost their best customer who accounted for 80% of the company's revenues or that their biggest competitor down the street just got indicted for price fixing. It doesn't take into account anything about the business. Not how long they have been in business, how high their sales are or even if all of their customers are suing them. It is conceivable (and not that improbable) that a company can be in bankruptcy and the principal can have a perfectly acceptable FICO score. It turns out, though, that because the information on the bureaus is extensive and the scores are very reliable for their designated purpose that they also happen to do a very good job of indicating the likelihood of poor payment performance of small ticket lessees. Translated – the owner of a business who has a score indicating a higher probability that he will pay his personal bills late also has a higher probability of defaulting on his company's obligations. They will not have the same probability though. It's just that someone with a low score has a higher probability of default than someone with a higher score.
The trade lines are the meat and potatoes of the credit bureau. It is where most of the information is derived to form the score and it is the details outlined in the summary. One area that is important to understand, especially as you look at accounts with a delinquent history, is the timing of the delinquency. The trade lines will tell you this. Usually, the payment history, which shows the frequency and severity of delinquent payments, will show the payment history backwards from the balance date shown on the report. This is important to know as the recency of delinquent payments is vital to your decision making process.
What Do These Scores Mean?
The people at Fair Isaac use many factors obtained from the credit bureaus in determining their scores. For the Empirica model, for example, there are 30 active factors available for the model to use. When you obtain a score from one of the credit bureaus you should see the four factors that, for that person, had the most negative influence on the score. Even people with good scores will have a list of the most negative factors. They will be in order starting with the most negative. This is important to know. Next time you look at a score and you ask yourself: How did that guy score so low? Just look at the factors and you will have your reason. You may not always agree with it but you will have your explanation. Often you will see two different bureaus for the same individual and they will have large differences in their score. First, use the factors displayed to determine why the gap in scores. Then use the score of the bureau that had more relevant information. For example, if the lower score had as its first factor listed Serious delinquency and the higher one didn't, see if the serious delinquency was only reported on the one bureau. If that is the case and the other information seems similar, use the lower score in your decision making process.
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Customer relations management is even more important when many insurance agencies are consolidating and in turn becoming less personal. Many insurance agency management systems include helpful insurance CRM software designed to help with customer relations while taking over some of the work insurance agents handle. Reminders and timed correspondence can be automated,[link widoczny dla zalogowanych], such as insurance renewal notices and birthday wishes. Many insurance agency management systems come packed with comprehensive marketing tools as well. Drip marketing campaigns can be set up and other tools,[link widoczny dla zalogowanych], such as customizable surveys and newsletters can be distributed in targeted marketing campaigns designed to generate the most constructive feedback.
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About Impowersoft: Impowersoft provides cutting-edge applications and software that will leave your competition always a step or two behind,[link widoczny dla zalogowanych]. Learn more about Impowersoft at
Insurance agent software has been proving time and time again that it has the ability to improve the efficiency and effectiveness of insurance agents,[link widoczny dla zalogowanych]. Web application development companies have capitalized on this emerging market to create more and more comprehensive insurance agency management systems with more and more features to improve the performance of insurance agents,[link widoczny dla zalogowanych]. Highlighting many popular insurance agency management systems are uniquely flexible access through web-based design and helpful insurance CRM software that improves the relations between insurance agents and the customers the work for and represent,[link widoczny dla zalogowanych].
Web-based insurance agency management systems allow for unparalleled access by insurance agents and managers. A web-based system allows insurance agents to work off the property of the insurance agency as long as they have access to the Internet. Insurance agents can work from home, the corner coffee shop,[link widoczny dla zalogowanych], or many other places,[link widoczny dla zalogowanych], which can also allow them to handle important, unexpected work that pops up in a timely manner. Reducing employees in the office allows insurance agencies to reduce their office space and infrastructure and relatedly reduce costs. Web application development companies can also upgrade the insurance agency management system quickly and seamlessly since the software is web-based. This allows the web application development company to keep the insurance agent software current and competitive, rolling out new features and upgrading existing ones as they become available.
Managing an insurance agency can be a very demanding job,[link widoczny dla zalogowanych]. There are many different aspects of insurance agencies that require almost constant attention. A comprehensive insurance agency management system can help managers and executives at insurance agencies more effectively control and improve their agency.
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Finding ways to improve insurance agency management can be simple, and insurance agency management systems can easily illustrate that. There are many insurance agency management systems available that have the ability to turn around and improve the efficiency and effectiveness of your insurance agents. To help find the best for your insurance agency,[link widoczny dla zalogowanych], many web application development companies offer free demonstrations,[link widoczny dla zalogowanych], which allow insurance agents and insurance agency managers see the variety of ways that particular insurance agency management system can help their insurance agency reach new heights.
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To shed a little more light on this subject, I started to research the idea of accountability. From Business Consultants Performance Solutions, I found an excellent definition of accountability - the act of holding others responsible or answerable for their actions whether those actions are good or bad. Emphasizing accountability is setting expectations, clearly communicating those expectations,[link widoczny dla zalogowanych], and then holding everyone responsible for their actions and behavior. Emphasizing accountability is NOT intended to demoralize others or to promote fear of making a mistake.
By Brad Stricklin
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If you ever get the chance, watch "Basketball Smorgasbord" and don't be afraid to watch between the lines and look for ways you can apply parts of Tom Izzo's coaching philosophy to your own unique situation.
Coach Izzo then has them turn the cards in for his safe keeping. Throughout the year when a specific player isn't doing his job or working as hard as he should, all Izzo now has to do is pull out the player's goal card and then discuss what was written. He simply explains to the player that he's not trying to be a jerk but is trying to be a friend. Coach Izzo reminds the player that the goals on the card aren't his goals but belong to the player himself. Does he still want to accomplish them or not?
He then goes on to talk about how the most important thing a coach can do is to hold his players accountable throughout the season so they can reach the goals that are important to them,[link widoczny dla zalogowanych].
4. Performance Reviews. Regular meetings,[link widoczny dla zalogowanych], either formal or informal, should be held to re-emphasize the program's standards and to review with the individual player how his performance is measuring up. In my own situation, I have short,[link widoczny dla zalogowanych], individual meetings with every player every Monday to quickly review the previous week
In hopes of gaining some insights into Coach Izzo's coaching philosophy I recently purchased his DVD, Basketball Smorgasbord. In his presentation he discusses many different topics including several quick hitters to use against a 2-3 zone defense.
3. Measure Performance. You must come up with an effective way to measure performance against established standards and expectations. Whether it's tracking hustle plays,[link widoczny dla zalogowanych], distributing weekly grade checks, or conducting skills tests, nearly everything can be measured. If it's important to you and your team then it should be charted!
Coach Izzo starts by showing an in depth 5 on 0 walkthrough and then shows the play being run against live defense. He concludes the DVD with footage of his MSU teams playing against some of the toughest zone defenses in the country. Besides some zone quick hitters, Coach Izzo talks about his favorite out of bounds plays as well as a few defensive drills that will help young players improve.
2. Share Expectations with Everyone. Share your standards with your staff, your players, and everyone else involved with your team. Some athletic and academic goals may be individual in nature but it is important that everyone in your program lives by the same basic standards and expectations.
Maybe the best "secret" that he revealed was how he personally motivates and holds his players accountable. In his unique style, he has come up with a surprisingly easy but effective way to get the job done. At the beginning of every school year he has each of his players write down their individual goals on a 3 x 5 note card. They include all personal performance goals, team goals, academic goals, and off the court goals that they want to achieve over the next year.
364-146 Career Record (,[link widoczny dla zalogowanych].714)
Four-Time National Coach of the Year
One NCAA Championship
6 Big 10 Championships
2 Big 10 Tournament Championships
6 Final 4 Appearances
13 Straight NCAA Tournaments
6 All Americans
Graduates 83% of Players that Complete Eligibility
Who is currently the best men's basketball coach in NCAA Division I? There are certainly quite a few candidates worth considering but any conversation on the subject has to include Tom Izzo of Michigan State University. Here are some of the things Coach Izzo has accomplished at MSU as of Spring 2011:
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1. Cleary Define Program Standards,[link widoczny dla zalogowanych]. As a coach you must first clearly define the standards and expectations of your program,[link widoczny dla zalogowanych]. Don't assume anything! Players cannot and should not be held accountable for anything that they have not been informed of or do not understand,[link widoczny dla zalogowanych].
Performance Solutions suggests that there are certain steps that can be taken to effectively help others be accountable,[link widoczny dla zalogowanych]. I've altered them slightly to make them more applicable to us as coaches:
5. Pat on the Back or Kick in the Butt. One of the important life lessons that athletes can learn through participation in sports is the principle of cause and effect. When they do good things, they should be rewarded. When they fall short in some area or another there will always be some kind of consequence,[link widoczny dla zalogowanych], even if it just seems minor at the time. As a coach, you should not feel you have to treat every player the same. Treat them all fairly? Absolutely! Treat them all the same? No!
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The Architecture: (top down)
Thought Patterns:
A thought pattern can be most easily recognized as one of the ‘tapes’ that runs in your head all the time. How does Matrix Change self-inquiry classify the types of agreements?
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9.
12. First

We become so easily attached to our own nature that it is hard to accept that today we are different than how we were yesterday. It can be hard to face family problems.