Sunday, October 19, 2008

How to Start Writing Policies and Procedures

By Chris Anderson
ctober 22, 2006

Using a weak starting point can hurt employee usability, introduce confusion and user-error, and may not assist in your compliance and control objectives. The result could set your project back further and cost you even more time to fix it later. But it doesnt have to. Drive Performance Improvement If your policies and procedures are incomplete, outdated or inconsistent, then you are probably not driving the performance improvement you intended. And by improving your business, you can save money and help increase customer satisfaction. Improve Your Results To be confident youre buying a procedure template that gets the job done quickly and correctly, its important to examine its basic elements. Take a moment to view the following features that you should be using, and also learn how to benefit with such crucial time-saving features as: An ISO 9000 compliant layout for easier readability A clear and concise header block to ensure a procedure communicates the purpose and scope Clear department responsibilities that identify who does what Key term definitions to reduce confusion Measures of effectiveness to quantify outcomes References to related documents to improve usability Listing of applicable laws or regulations to communicate compliance Detailed list of revisions to track edit history Forms to ensure proper control and record keeping Writing Policies and Procedures Procedures should be action oriented, grammatically correct, and written in a consistent style and format to encourage maximum usability. This will result in an increase in both effectiveness and efficiency. Improve Performance in All Departments You can improve your procedures for many departments, improving performance and results: Customer Service Finance Information Technology Sales and Marketing Engineering Human Resources Security and Disaster Recovery Manufacturing and Production Best Practices Saves Time With more effective and efficient features, you can finish your policies and procedures project sooner. A core set of best practices policies, procedures and forms will begin to save you time right away. Chris Anderson has over 18 years of sales, marketing and business management experience working with business process design, software and systems engineering. He is also co-author of policies and procedures manual products, producing the layout, process design and implementation to increase performance. He is currently the Managing Director of Bizmanualz, Inc. Visit:

Debt Consolidation With Unsecured Personal Loans

By P. A. Davis
October 22, 2006

Everyone knows how quickly monthly credit payments can add up. Between credit cards, auto loans and medical bills, it can be very overwhelming. Add high interest rates to the equation and it can be virtually impossible to get out from under the burden of all that debt. It truly is a vicious cycle a cycle that enriches the profits of many creditors. Take, for instance, a credit card with a 5000 balance that carries a 22% interest rate and has a minimum payment of 130. At this rate, it will take seven years to pay off the credit card at a cost of about 10,000. Thats twice the principal balance on the credit card! Add one or two more credit cards, an auto loan and a hospital bill and its no wonder that consumers are becoming prisoners to their creditors.Many people today have found a way to manage their debt through unsecured personal loans. This type of debt consolidation is really geared toward those who do not meet the normal lending criteria, meaning those with lower credit scores and/or those considered sub prime or high risk by traditional lenders. Many things can contribute to a less than desirable credit rating, the worst, obviously, being things like bankruptcy and foreclosure. More commonly however, credit scores are tarnished by late payments and an unfavorable debt-to-income ratio. Unfortunately, once the damage is done and it can be done rather quickly it can take years to repair. Whats a person to do in the meantime?In the past, there was not much that a person could do except wait until enough time passed and all the blemishes were erased off. Creditors viewed those with low credit scores as abusers of the credit system. When so many consumers today are living paycheck to paycheck, it is virtually impossible to not have some kind of derogatory mark on your credit report. A 30-day late payment can lower a credit score by 30 - 75 points. Imagine what a month or two of unemployment can do to a credit score. In a matter of weeks, someone with great credit can fall into the abyss of the sub prime - a hole from which it will take years to emerge. However, a new trend is developing as many lenders have found that a low credit score does not equate to a deadbeat, non-paying borrower. In fact, many lenders are specializing in working with those with problem credit to help them get back on track.There are several companies out there who specialize in making unsecured personal loans to individuals with sub prime lending criteria. Most will grant loans for amounts as little as 250 and as much as 25,000. Loans are available with same-day approval and no upfront fees. To ensure a loan company is reputable, be sure to look for one that is regulated and registered as a finance broker. Borrowers may also want to look for a lender that offers comprehensive insurance in case of an illness or unemployment.An unsecured personal loan helps a persons financial position by consolidating all debt into one manageable monthly payment. Instead of writing, for example, five different checks to five different creditors, the five accounts are consolidated into one with a single lender therefore, only one check is issued. Most often, the interest rate on the personal loan is lower than that on the credit cards and the single monthly payment is generally less than the sum of the five individual payments. Homeowners would generally use a home equity line of credit to accomplish this, but since an unsecured personal loan requires no collateral, it is ideal for UK Council Tenants, Housing Association Tenants, Private Tenants, MOD Tenants. In fact, individuals with any residential status can take advantage of this type of credit.While approximately half of these types of loans fall into the debt consolidation category, about 20% are requests for new car loans. Borrowers are also looking to fund such things as holidays, weddings, even cosmetic surgery. The loans offer an opportunity for someone to splurge on something that is important to him or her.It is important to borrow only as much money as you can afford to repay. Thats why its a good idea to do an income and expenditure exercise before applying. Income should always outweigh expenses and money for savings and emergencies should be included in that budget. It is also important to remember non-regular expenditures such as gifts, vacations, entertainment and clothing. If it turns out that there is more money going out than coming in each month, debt consolidation can still help, but it may be necessary to give up some of the non-necessities. To assist with preparing a budget, The Office of Fair Trade website offers a free budget tool. The site also provides information about credit, finance, and loans. It prompts certain questions to ensure that the consumer has shopped around for the best deal and that he or she is making a wise financial decision.An unsecured personal loan can mean different things to different people. Whether its used for debt consolidation or otherwise, here are some of the benefits: Lower monthly payments Pay off debt more quickly Increased monthly disposable income Rebuild credit Enjoy that dream vacation, car, body, stereo system, etc.Choosing a lender can be tricky. Borrowers should look for a company that: Is regulated Is registered as a financial broker Charges no fees upfront or otherwise Offers insurance policies to cover illnesses or unemploymentWhen done correctly, debt consolidation with unsecured personal loans can mean a better financial position for many.

P. A. Davis

By PA Davis sponsored by who provides Unsecured Personal Loans: from 250 to 25,000 for any purpose for non home owners.

Sunday, October 22, 2006

It Is Never Too Late For Succes

It Is Never Too Late For Success Age Is ..
By Gordon Bellow October 22, 2006

People who have reached any significant level of success agree there are a few things successful people have in common; desire and determination combined with a spirit that never gives up.To illustrate the point that it is always too early to give up, this article includes three well-known success stories.Ray Kroc: At the age of 52, Ray Kroc had suffered for years from arthritis and diabetes. Although Ray had poor health, and his bladder and most of his thyroid had been removed, he never stopped believing in himself and his biggest idea. It led to the start of McDonald's in 1955. By 1961, 228 McDonald's restaurants had been established and sales had reached $37 million. When Ray passed away in 1984, there were 7,500 McDonald's outlets around the world. The number of outlets and sales are still growing.Ray Kroc was described as a simple man with a simple plan: 1. Never give up 2. Always persevere 3. Don't forget part 1 of the planThomas Edison: Before perfecting the light bulb, Thomas Edison tried between 9,000 and 10,000 different things searching for the right material that would make a good filament. When a reporter asked Edison about failing more than 9,000 times, he responded by saying he had not failed, but had found 9,000 items that did not make a good filament. Edison went on to invent many other useful items, many of which are now taken for granted. Edison received 1,093 patents, more than any other person in U.S. history.Thomas Edison had a formula for his success: 1. It takes time for greatness 2. Be patient 3. Persistence is the keyColonel Sanders: The founder of Kentucky Fried Chicken was turned down over 1,000 times when he tried to interest others in his recipe for chicken. He drove from town to town, often sleeping in his car, calling on restaurant owners. He strongly believed that the secret recipe would eventually pay off. His persistence and belief in himself and his recipe finally paid off in a big way! His tenacity is inspiring, especially when you consider that he found his success when he was 65 years of age.Colonel Sanders kept his chicken recipe a secret, but he was willing to share his recipe for success:
1. Never quit
2. Always believe in yourself
3. Be patient
4. Be positive

There are countless stories of people from all walks of life who achieved remarkable success. Almost without exception, the same types of characteristics can be found in stories about success. Being patient and persistent, having a positive attitude, and never giving up are the traits that are essential for success.

Gordon Bellow
Gordon Bellows is an economic trend analyst and part-time writer. Poor health was affecting all areas of his life until he found an amazing product that changed his life. He had remarkable results! Visit to see what it can do for you. It's your key to better health and wellness.

Posted: Sun Aug 18 01:10:21 EDT 2002

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