Biz Wisdom» biz manners

buying gifts

chaWisdom — Wed, 21 Sep 2011 22:14:11 +0000

Christmas is already coming. Even in desert area, I can feel the breeze is changing. The nights are giving me a calm air as compared to before. But, back in our homeland, people are now busy making Christmas present lists. Well, there’s nothing wrong about preparing early because the early the better, but it also possess the risks of spending a lot for the event. That’s why it is also not practical and wise to start an early shopping.

No matter how we look at it, it would be better to give something the receiver likes and not just any other gift. Like when a person likes a garden, he/she should receive garden gifts. Even if many would say, it’s the thought that counts; giving something the person likes is still precious. Knowing the receiver is happy accepting the gift can fill the heart of the giver. That’s why it is also important to take note of the kind of person the receiver is and what he specifically likes. Giving a common gift only connotes you are not giving any effort and is half-hearted in giving the gift.

Buying diamond is not easy task

Significance of Taking Time to Compare Loans

chaWisdom — Sat, 15 Jan 2011 14:43:33 +0000

Getting a loan is an important financial procedure. People get loans to help them make big purchases or to consolidate debt or for a variety of reasons. Loans are something that usually last over the course of a year or more. They can also be costly. When looking for a loan it is important for borrowers to understand the value of comparing loans.

There are many lenders out there and the market is huge with possibilities. When a borrower takes the time to compare loans they win in the end. Plus, as more borrowers learn about the importance of making sure that they compare loans, more lenders start realizing they have to be more competitive and offer much better deals on loans. So, overall comparing loans benefits everyone.

The loan market is one of greed. Lenders are not really looking to help out a borrower, but to make money from them. Loans cost money and many times, lots of money. The lenders make their money off high interest rates and fees. It is up to the borrower to search out the lender who is going to give them the best deal.

If you compare loans it allows borrowers to look at different loans and see which is going to save them the most money and which is going to be best suited for their needs. Additionally, comparing loans can be a good way to explore different loan options.

When lenders are competing for business they are more likely to offer better deals. They will lower rates and sometimes eliminate fees. They will do anything to get the borrowers business. Sometimes simply comparing loans can get a lender to cut their profit by a large margin and save the borrower a lot of money.

The art of comparing loans is for the borrower to seek out a few different lenders. They may try different types of lenders or lenders from different sources, like online lenders. They can also explore their loan options. The main thing is the borrower should ask for quotes from each lender for the same amount for the same terms. This way they can truly compare loans and get good results.

It helps for a borrower to know their credit history so they can tell the lenders their credit score so their credit does not have to be accessed for every lender. Too many inquires into a credit report lowers the borrowers credit score. This is something to keep in mind because a low credit score means the lenders will charge higher interest rates.

It is ideal for people with bad credit to compare loans. It lets them save as much as possible because bad credit loans are typically quite expensive when compared to other loans. Everyone, though, no matter their credit, can benefit from comparing loans.

Once a borrower feels they have explored all their options and found the lender that can offer them the best deal they can go ahead with the loan process. After they have compared loans they can be sure they have found the best deal possible and feel very good about their choice, knowing they are not wasting money on a high priced loan.

common problem of obese person at work

chaWisdom — Sat, 20 Nov 2010 01:20:31 +0000

The more obese a person is; the more likely he or she is to develop health problems. They run the risk of a range of diseases that are linked to obesity including diabetes, nocturnal apnoea, cardiovascular diseases, arterial hypertension, arthrosis of backbone and of lower limbs, fertility anomalies, and cancer. With that stated it is obviously clear, the more people weigh, the less they’re worth at work because they tend to absent more.

Obesity should not be a concern for any company, but they do because obese can cost the companies fortune annually from higher health care premiums and absenteeism. Discrimination is prohibited since it’s a matter of where or not the person is able to perform tasks related the jobs. As long as the person can do the jobs then so be it.

However, the real issue is the person itself. Like I said earlier, obesity is linked to many kinds of diseases. In order to reduce the risk, one can go on dieting, exercise and maybe the use of weight loss supplements that work. I guess no one person would want to die young because of bad eating habits and less discipline. The heavier a person is, the more likely they will die early.

rules for successful Business Presentation

chaWisdom — Thu, 18 Nov 2010 03:26:36 +0000

Many ideas are going through your head. You know that these are bright thoughts that people will like listening to. You are even practicing everyday on how to project in front of many and how to say your words concisely and clear. How about availing yourself folder printing services? That will be a good prop that will make you look better and professional in front of your audience.

At the big day, instead of dreading it, you must actually be excited and prepared for the day that you will do a business presentation. For starters, it is their biggest mistake to be overwhelmed with nervousness that they fail to communicate well to their audience. Remember that it is important to deliver well on that day to succeed with your goals. To help you with that, follow these simple rules.

Research - you will be able to say things with conviction if you can back them up with facts that you have gathered through research. Besides, it will be easier for you to form your presentation when you have a wide knowledge about the different aspects of what you are presenting.
Relax - nothing is going to be achieved by cramming. You will be able to think better and clearly if you are relaxed. Of course, you need not be too confident about the situation. But being relaxed is vital so that you can think straight. This will help you be reminded of the important things that you still have to do something about.
Practice - it is important to get people’s attention once you are doing your business presentation. You don’t want to gather their attention because they are making fun of you. You want them to listen, understand and like what you are saying. So make sure that you will not make fun of yourself come the big day. Come prepared.

dealing with younger boss

chaWisdom — Wed, 28 Jul 2010 02:48:11 +0000

Be warm, not aloof. Your boss may actually be apprehensive about being superior to someone much older.

Treat your boss with complete respect. He or she got the position because of the right skills. It is wise to respect the evident skills your boss brings to the job and to concentrate on the ways that you can genuinely help him or her. Be thankful for the opportunity to work with someone who is likely very talented.

Focus on the positives of having a young boss. Count the pluses of working with someone with energy, dynamism, fresh ideas and new perspective are all great assets to your working unit.

Acknowledge your strengths and possible contributions to the company. Although your boss is younger, you have so much more experience and are much more mature. It is also likely to have several personal and professional contacts from prior work. Focusing on your abilities may help ease any feelings of resentment towards your boss.

Brush up on new skills. Bring yourself up-to-date on important technology and technical terms required to cope with your job.

Never undersell yourself. Do not be shy to let the boss know what you have previously accomplished. Do this without bragging.

Dress appropriately. Don’t try to compete with your boss as far as attire is concerned but don’t look dowdy just because you are older.

Be a mentor. Your boss can learn much from your experience and wisdom. Find a proper way to sound off ideas or give advice without sounding pompous. Be tactful.

Avoid making comparisons or comments about what you could do when you were your boss’s age. Doing so will make you seem jealous or boastful or both.

highlighting leadership traits and qualities

chaWisdom — Tue, 20 Jul 2010 01:42:36 +0000

Vision – a good leader has a clear picture of the objectives of the organization and also the objectives of their team and individuals within it.

Strategies - leaders need to have a clear strategy in how they will achieve these objectives, and the ability to form a strategic plan.

Knows how to make decisions – Good leaders show strength in making difficult and unpopular decisions; they have confidence in their own ability and the strength of their own convictions. A good leader understands that indecision on their part wastes resources and denies the organization opportunities.

Risk taker- Leaders must have the strength and courage to act in business situations where they are not guaranteed success; a good leader is willing to risk failure.

Motivator – A good leader articulates their vision to others, persuading them of the worth of their ideas. A leader inspires people in working towards the objectives of the organisation as well as ensuring that they achieve their personal goals. Pushing the Individual to achieve and develop for the benefit of themselves and the organisation as a whole.

Team builder – Alongside motivation leaders build teams ensuring that they draw the best from each individual and the team as a whole, they coach teams to ensure collaboration, consensus and resolve conflicts.

Self knowledge and awareness – Good leader knows their own strengths and weaknesses and is able to view their behavior objectively and also reflect on their own practice. They need to both demonstrate the ability to acknowledge feedback, but also to act upon that feedback and make changes where necessary.

Integrity- leaders need to be trustworthy in order for others to follow them.

Open-minded and willing to learn – Good leaders also pursue life-long learning, a key quality is the desire in leaders to continually learn and develop, and they must show openness to new ideas. Reflection is a key element of lifelong learning if leaders are to improve, develop and adapt to the constantly changing business environment.

Communication – leaders can communicate their ideas to a diverse workforce and adjust their style in meeting the needs of the people they lead.

ways to identify leaders

things that must not be done in the office

chaWisdom — Sat, 19 Jun 2010 04:03:16 +0000

Always gossiping and creating office politics – It may be fine to comment on office events, but it should be limited. Do not take active participation in gossiping. You may hurt the sentiments of someone who is working with you. Office gossip tends to spread rumors, which can spoil relations. Also, avoid being part of office politics. You have been appointed to do a specific job and you must give your best shot it.

Chatting during office hours - Constant chatting with co-workers without reason can disturb everyone. Keep your conversations short and crisp when you are working. You can indulge in small conversations, but do not disturb the work environment with constant babbling.

Inappropriately dress – Following office dress code is very important. Avoid wearing casual wear to office. Wearing T-shirt and a pair of jeans to office exhibits unprofessional attitude. Formal outfits such as suits, shirts, trousers, coats are advisable for men. Women can wear formals like trousers paired with shirts and semi-formals like jeans paired with kurtis.

Eating at desk – This may ruin important documents or your keyboard. If the company allows it, be responsible. Clean the clutter after eating. Take proper precaution not to mess up the place where you are going to eat. Make use of tissues and dustbins.

Irresponsible handling of office properties - Do not be harsh while using office property. Act responsible while handling important materials such as files, folders, documents and confidential data. Do not waste electricity by keeping the electronic gadgets switched on when not in use.

Bringing personal problems to office - It is always wise not to bring your work to home and avoid bringing your personal concerns at workplace. Discussing personal matter during office hours has a negative impact on work efficiency.

Disorganize time – Disorganize time give the employers the insinuation that you are being unprofessional that may affect promotion. So, follow your schedule strictly. Eat lunch at the time provided. If there is no fixed lunch time, do not stretch it long. Follow the office rules. Avoid leaving office before its official timing. Do not take longer breaks in between work and wasting time unnecessarily. Avoid procrastinating. Grab a cup of hot tea and finish your task completely.

Being late – Employers value you if you value office time. Do not arrive late at office. Always be on time. Record of coming late can lay a bad impression on your superiors and bosses. When you come late, you need more time to settle down and you end up wasting time which can be used to complete important tasks. If you have a genuine reason for coming late, inform the designated person stating the reason of delay. It shows that you are responsible.

Being absent without genuine reason – Taking an off from work and giving fake reasons about ill health is highly irresponsible behavior. As an employee you have official holidays and leaves. Do take advantage of these leaves. If you have genuine reasons for being absent from office inform your colleague or the Human Resource in charge. Provide all details of pending work and submissions. Make sure you are available on your mobile.

Correct way to make and take phone calls in the office

chaWisdom — Tue, 15 Jun 2010 07:06:31 +0000

In any business, communication is the key to succeed that is why it is important to have the right telephone etiquette. Much of our business communications takes place on the phone: in the office, at home, in the car, virtually anywhere. Proper phone technique can make or break deals or relationships. Here are some guidelines that are very helpful when you use the phone as a power tool.

Greetings – Telephone conversation must start by identifying yourself (and your company). If answering someone else’s line, be sure to include their name in your greeting, so that the other party does not think they have reached a wrong number.

If you are the person making the call, be sure to use proper phone etiquette from the start. You want to be sure to be polite to the “gatekeepers” i.e. Secretaries, receptionists etc. that answer the phone for your business contact, as they are the ones who have the power put you through, (or not) at 4:55 pm on Friday, when their boss is getting ready to leave the office. They may sit outside of the office, but they too have influence and power so a greeting is a bit of etiquette well spent in the long run. Some business relationships, especially in fields like sales and marketing, start or stall right at the front desk.

When you have reached the party, if your call has been expected, remind them of the prior conversation and appointment. People get busy and can seem surprised until you remind them of where they should remember you from. If your call is not expected, unless it will be a short call, ask the party if they have the time for you. If the other person does not have time, briefly state the purpose of your call and ask for an appointment to follow up at a later time.

Keep a phone diary. Have a pencil and pad near the phone and jot notes during phone conversations. This will help you “actively listen” and have a reference for later. Employ active listening noises such as “yes” or “I see” or “great”. This lets the other person know that you care about what they have to say. Recap at the end of the call, using your notes and repeat any resolutions or commitments on either side to be sure you are both “on the same page”.

End the call on a positive note by thanking the other person for their time and express an interest in speaking with them again (if that is true). If not, just let them know you appreciated them speaking with you and end the call.

How to Handle Stress at Work

chaWisdom — Sat, 12 Jun 2010 02:54:07 +0000

Stress has always been part of work. With all the workloads given, meeting the deadlines, quotas and so on, can add up to it. Unfortunately, work stress has significant health consequences that range from the relatively benign, more colds and flu, to the more serious, heart disease and metabolic syndrome. Shifting to a low-stress job may be difficult or impossible for many people. But, there is always a way to deal with stress.

Managing stress is all about taking charge of your thoughts, emotions, environment, and handling problems. The ultimate goal is to balance life, work, relaxation, fun and relationships.

One of the key to reduce stress is by nurturing yourself. If you regularly make time for fun and relaxation, you will be in a better place to handle life’s stressors when they inevitably come.

Here is a lists of ways you can relax without having to spend a lot.

Sip a warm cup of coffee or tea in soft outdoor chair cushions
Go for a walk.
Go outdoors for nature tripping.
A nice chat with friend, always connect with other people.
Exercise
Write down thoughts or make a journal
Play with a pet.
Get a massage.
Read good books
Watch comedy movies
Get enough sleep

importance of being on time

chaWisdom — Sun, 06 Jun 2010 03:25:31 +0000

When you don’t come to work on time, you’re sending a message to your boss. You are implying that your time is more important than their time. And, you have more important things to do than be on the office.

In addition to lack of respect tardiness shows to your boss, it rudely disrupts the work of your colleagues. Also, promptness is essential to the workplace. Being punctual doesn’t always mean being on time. You also have to pay attention to the corporate culture. Sometimes you have to come earlier than others and leave later to get the promotion you desire. To develop good work habits, it is important to be on time and not leave early.