You may have a boss. You may have a manager. You may have a team leader that you need to report to. But just because you aren't "the boss" doesn't mean that you don't have good ideas to contribute to the company. Good managers and leaders listen to, and value the input and suggestions of their employees. But all too often, despite a leader's willingness to listen, this message has not been relayed adequately to the employees. As a result, employees are often hesitant and/or afraid to offer suggestions or to open up with their ideas.
The idea of a "suggestion box" is age old, but many companies and organizations have eliminated them, seeing them only as a receptacle for grievances and complaints. A well run suggestion campaign, can however, be successful if organized properly. When a manager has a sincere commitment to making the program work, they get everyone involved, and offer rewards that will motivate employees to contribute, a suggestion program can do great things. In some companies contributors' ideas have led them to accomplish everything from saving money to creating new products; from eliminating unnecessary procedures to improving overall quality.
All it really takes to run a successful suggestion program is the effort, the commitment and some positive reinforcement. Here are some things a manager can do to get a great suggestion program started:
_Create a well publicized and positive employee suggestion program. Make sure that senior management is fully behind the program and then advertise it prominently to all employees. Send out personal letters to encourage employee participation
_Develop an easy to use suggestion form that is detailed enough to allow the contributor to include details such as how much money may be saved, what the benefits of taking this action would be, and what their recommended plan of action might be. Include right on the form a thank you for the suggestion, as well as a time frame for expecting comments from the suggestion committee.
_Maintain interest and participation by acknowledging all responses right away. If employees start to feel that the program is not taken seriously, they will lose interest and no longer offer ideas.
_Create a suggestion committee to evaluate ideas made up of a cross section of employees from various departments and who hold a variety of positions. Give this committee the power to initiate action upon suggestions in a timely manner.
_Once a suggestion has been accepted and is going to be acted upon, notify the contributor right away. Then keep them updated as to the progress of implementation of their ideas, and encourage their ongoing communication as the project progresses.
_Recognize contributors with some form of reward and make the presentation of the award public. This might include such things as a little write up in the monthly newsletter, a posting on a company bulletin board or acknowledgement at a monthly staff meeting.
_Most of all: make it positive, fun and worthwhile for everyone!
Showing posts with label business. Show all posts
Showing posts with label business. Show all posts
Saturday, April 17, 2010
Multiple Tasks With A Single Account Of Joomla
Joomla is becoming popular open source content management system which helps to supervise content of the website and it has inbuilt features which are useful to anyone due to this reason many people across the world using WordPress a lot. Basically WordPress is useful for blog management and allows managing blogs easily and it can be used as a web address for your blog site.
Joomla has many themes which are accessible online and easily downloadable. WordPress themes are also accessible to implement into your personal website which can help in enhancing the look of the website and increase the popularity of your blog sites. A Joomla account has ability to perform many things like you can install many plug-ins and submit articles, it is also related with web designing and much more. To efficiently execute many tasks you require single account in respect to operate with the website for various reasons. You need to fill up proper data and once you are done with that you can easily access Joomla by using your login credentials.
Using the help of highly useful administrator control panel you can do things like writing articles and can submit it also and for that you just have to have access using your login credentials. When you login into it the first mentioned is the link of your article and on the detail view screen add the title for the article in the top section of the page and the rest of the space will be filled up with the content of the article.
There are various inbuilt applications in Joomla so you can get the best use of these applications with your account. Joomla provides Social program to support into acquiring the best gain for networking but if you are new to this application and like to know how Joomla login works for this social application then the answer is very easy because you just require having one account with Joomla. This social application provided by Joomla is the combination of various features and it is used to connect with friend and family and start chat with them.
You can upload and share your photos and other information easily by simply using this login and even there are varieties of modules and templates for Joomla which are available on the various websites. Using them you can design effective website easily and you will be amazed to know that the components of this social application provided by Joomla is working directly with core Software programs which are essential for the development of social networking for all the users. Users have the facility to create and participate in the social groups whenever they want by just login in to it.
Joomla has many themes which are accessible online and easily downloadable. WordPress themes are also accessible to implement into your personal website which can help in enhancing the look of the website and increase the popularity of your blog sites. A Joomla account has ability to perform many things like you can install many plug-ins and submit articles, it is also related with web designing and much more. To efficiently execute many tasks you require single account in respect to operate with the website for various reasons. You need to fill up proper data and once you are done with that you can easily access Joomla by using your login credentials.
Using the help of highly useful administrator control panel you can do things like writing articles and can submit it also and for that you just have to have access using your login credentials. When you login into it the first mentioned is the link of your article and on the detail view screen add the title for the article in the top section of the page and the rest of the space will be filled up with the content of the article.
There are various inbuilt applications in Joomla so you can get the best use of these applications with your account. Joomla provides Social program to support into acquiring the best gain for networking but if you are new to this application and like to know how Joomla login works for this social application then the answer is very easy because you just require having one account with Joomla. This social application provided by Joomla is the combination of various features and it is used to connect with friend and family and start chat with them.
You can upload and share your photos and other information easily by simply using this login and even there are varieties of modules and templates for Joomla which are available on the various websites. Using them you can design effective website easily and you will be amazed to know that the components of this social application provided by Joomla is working directly with core Software programs which are essential for the development of social networking for all the users. Users have the facility to create and participate in the social groups whenever they want by just login in to it.
Non-Ferrous Metal Industry Rose Steadily In 2010
Non ferrous metals industry has experienced the gradual pick up in 2009, after 2010 the demand will continue to show significant growth.
States Securities researcher analysts believe that in 2010, investment and consumption is still the main engine driving the growth of GDP. According to the fixed asset investment, GDP elasticity coefficient related to industry needs, and contribute to the downstream end is estimated that by 2010 China's copper, aluminum, lead, zinc and the actual demand of 12% year on year growth rate of 16% or so. Began the rate of warming followed by the demand rise.
Over the past year or so, non ferrous metals industry, the country by the international financial crisis the most serious one of the industries. "Non ferrous Metal revitalization planning" introduced the occasion, the whole industry is facing a price volume Qi down, industry round loss dilemma. Analysts pointed out that the implementation of plans over the past year, non ferrous metal industry has achieved positive progress in the multiple positive factors, in 2010, the overall trend will be maintained steadily, but also no shortage of pressure.
Data show that in 2009 non ferrous Mining and Dressing Industry from January to November total profit of 25.675 billion yuan, down 26.68 percent; non ferrous metal smelting and rolling processing industry achieved a total profit of 55.265 billion yuan, down 17.11%. Cumulative total profit year on year decline narrowed.
Non ferrous metal mesh co director Wang Li, a new channel told the "China's Sankei Shimbun" reporter, "4 trillion," a package of investment plans to inject new vitality of China's economy, directly contributed to real estate, automotive and other industries recovery, but also indirectly, stimulating of non ferrous metals demand. Also, non ferrous metals industry, the revitalization plan, direct purchase of electricity policy and national purchasing and storage also played at that time had an immediate effect. Significantly accelerate the warming trend throughout the industry, basically realized "in 2009 to maintain stable operation of industry," the planning objectives.
However, not all are good news.
At the recent "2010 Non ferrous Metal Industry Development" seminar, analysts believe that the possibility of greatly based on the current excess capacity situation, as well as economic recovery and liquidity contraction intertwined conflicts, non ferrous metal prices in 2010 will likely show continued rising and moving towards a pattern of wide shocks
"Do not rule out further recovery as the economy, countries will come out of loose monetary policy, tightening credit, reduce market liquidity, will form a certain amount of pressure on metal prices." Securities analyst, who asked not be named, told the "China Sankei Shimbun "reporter.
"Good posture is not the first half of suspense, in the second half of the price may be downhill trend in the late rebound may have." Metal mesh co director Wang Li hsin, non ferrous metal channel.
In addition, from the overall pattern of the country's point of view, there are also many problems in the industry.
At present non ferrous metals industry, primarily in the three major problems remain to be resolved: excess capacity; industry, the degree of intensification is not high, enterprise comprehensive strength of the weak; raw materials, foreign dependency, the lack of international pricing right to speak.
"Revitalization of the plan, there is an important goal corporate restructuring, in 2009, and has not made good progress. Urgent need to adjust industrial layout and eliminate backward production tasks are still difficult." Wang told reporters that a new, non ferrous industry, the difficulty will be greater than the steel industry restructuring , scattered and miscellaneous non ferrous industry, the most prominent feature is the same time, will also be the biggest obstacle to the reorganization process.
State owned Assets Supervision and Administration Commission Deputy Director of Research Center, one of the "China's Sankei Shimbun," told reporters that the future will continue to promote mergers and acquisitions to develop a competitive industry, leading enterprises, and encourage powerful enterprises to accelerate the "go out "the pace of acquisition of overseas projects to reduce dependence on foreign raw materials.
According to the plan objectives, to form a 3 5 with strong comprehensive strength, enterprise group, in 2011, the domestic top ten of copper, aluminum, lead and zinc production in the country's total output of enterprises proportion increased to 90 %, 70%, 60%, 60%.
States Securities researcher analysts believe that in 2010, investment and consumption is still the main engine driving the growth of GDP. According to the fixed asset investment, GDP elasticity coefficient related to industry needs, and contribute to the downstream end is estimated that by 2010 China's copper, aluminum, lead, zinc and the actual demand of 12% year on year growth rate of 16% or so. Began the rate of warming followed by the demand rise.
Over the past year or so, non ferrous metals industry, the country by the international financial crisis the most serious one of the industries. "Non ferrous Metal revitalization planning" introduced the occasion, the whole industry is facing a price volume Qi down, industry round loss dilemma. Analysts pointed out that the implementation of plans over the past year, non ferrous metal industry has achieved positive progress in the multiple positive factors, in 2010, the overall trend will be maintained steadily, but also no shortage of pressure.
Data show that in 2009 non ferrous Mining and Dressing Industry from January to November total profit of 25.675 billion yuan, down 26.68 percent; non ferrous metal smelting and rolling processing industry achieved a total profit of 55.265 billion yuan, down 17.11%. Cumulative total profit year on year decline narrowed.
Non ferrous metal mesh co director Wang Li, a new channel told the "China's Sankei Shimbun" reporter, "4 trillion," a package of investment plans to inject new vitality of China's economy, directly contributed to real estate, automotive and other industries recovery, but also indirectly, stimulating of non ferrous metals demand. Also, non ferrous metals industry, the revitalization plan, direct purchase of electricity policy and national purchasing and storage also played at that time had an immediate effect. Significantly accelerate the warming trend throughout the industry, basically realized "in 2009 to maintain stable operation of industry," the planning objectives.
However, not all are good news.
At the recent "2010 Non ferrous Metal Industry Development" seminar, analysts believe that the possibility of greatly based on the current excess capacity situation, as well as economic recovery and liquidity contraction intertwined conflicts, non ferrous metal prices in 2010 will likely show continued rising and moving towards a pattern of wide shocks
"Do not rule out further recovery as the economy, countries will come out of loose monetary policy, tightening credit, reduce market liquidity, will form a certain amount of pressure on metal prices." Securities analyst, who asked not be named, told the "China Sankei Shimbun "reporter.
"Good posture is not the first half of suspense, in the second half of the price may be downhill trend in the late rebound may have." Metal mesh co director Wang Li hsin, non ferrous metal channel.
In addition, from the overall pattern of the country's point of view, there are also many problems in the industry.
At present non ferrous metals industry, primarily in the three major problems remain to be resolved: excess capacity; industry, the degree of intensification is not high, enterprise comprehensive strength of the weak; raw materials, foreign dependency, the lack of international pricing right to speak.
"Revitalization of the plan, there is an important goal corporate restructuring, in 2009, and has not made good progress. Urgent need to adjust industrial layout and eliminate backward production tasks are still difficult." Wang told reporters that a new, non ferrous industry, the difficulty will be greater than the steel industry restructuring , scattered and miscellaneous non ferrous industry, the most prominent feature is the same time, will also be the biggest obstacle to the reorganization process.
State owned Assets Supervision and Administration Commission Deputy Director of Research Center, one of the "China's Sankei Shimbun," told reporters that the future will continue to promote mergers and acquisitions to develop a competitive industry, leading enterprises, and encourage powerful enterprises to accelerate the "go out "the pace of acquisition of overseas projects to reduce dependence on foreign raw materials.
According to the plan objectives, to form a 3 5 with strong comprehensive strength, enterprise group, in 2011, the domestic top ten of copper, aluminum, lead and zinc production in the country's total output of enterprises proportion increased to 90 %, 70%, 60%, 60%.
Friday, April 16, 2010
How To Get A Mortgage With Bad Credit
Getting a mortgage loan with decent credit can be challenging in of itself, but even more so with bad credit. So, it is of utmost importance to protect one's credit at all cost because one will never know when a good credit history is going to be the difference between owning a home and not owning one. So, how would one go about getting a mortgage with bad credit? It is very difficult, yet very possible.
Providing that one already has a job, the first step is to get a copy of one's credit history from not one or two but from all three credit bureaus'”Equifax, Trans Union, and Experian. The loan officer looking over the credit history will see that it is in dire need of repair. They will then inform the applicant of exactly how to go about repairing the credit report.
Calling creditors and setting up payment settlements is the next major step toward getting a mortgage with bad credit. Most times creditors will work out settlements requiring borrower to only pay a fraction of the original loan. By law, a borrower is required to pay at least 65 percent of the original loan. However, it depends on the creditor. Some will settle for more and some will settle for less, depending on their individual company policies. Always negotiate to payback as close to 65 percent of the original loan as possible.
After most of the delinquencies are cleared up on the credit report, the loan officer will make sure that payment arrangements are made for unpaid debts. Once a payment arrangement is made, the loan officer will use the middle score of the credit report to present to the loan underwriter of the bank or mortgage company for approval. The three credit scores from all three credit bureaus are compared and the one with the second lowest score will be chosen. It is called the middle score. For example, if a person has scores of 547, 588, and 512 from Equifax, Trans Union, and Experian respectively, the Trans Union score of 588 will be chosen.
The way the credit reporting agencies come up with individual scores is by using the FICO scoring system, which is an acronym from the name Fair Isaac and Company. It measures individual activities on a person's credit report or credit history. The score measures from a range of 400 to 700 plus, with 400 being poor credit and 700 being excellent credit.
The individual activities are measured in percentages: 35% of the score being based on payment history'”any late payments will reduce this score; 30% of the score relates to the amount of credit a person owes'”too much credit cards will reduce this score; 15% of the score pertains to the amount of time a person has had established credit'”one could have no debt, but still have poor credit; and 20% relates to whether or not a person is taking on new debt'”numerous credit applications will reduce this score. Therefore, the best way to qualify for a mortgage with bad credit is learning how the FICO scoring system works and using it to one's advantage.
Another avenue that one could use in getting a mortgage with bad credit is employing a cosigner, a person with great credit and one who will be willing to cosign a mortgage loan. Some people will charge a fee for cosigning.
While paying back loans, one should pay back more than the minimum balance. For example, if the minimum balance is $20, one should pay at least $21. This will show creditors that one is making an effort to eliminate his or her debt as fast as possible. Moreover, paying off more than is owed will help reduce overall interest paid on the loan.
Having a little money saved up in the bank will increase the chances of one getting a mortgage with bad credit. This money does not have to be used toward the mortgage, but the bank will want to see that one will have the means of making payments on the loan for a while if there is an unforeseen illness and one is not able to work for a while'”say, six month or so!
Lastly, it is a good idea to search for lenders who specialize in giving mortgages to people with bad credit. They will be better able and equipped to offer the most appropriate services.
Getting a mortgage with bad credit is challenging but is still very possible, once the correct approach is followed. The credit report is the first thing a creditor looks at; so if people understand how the FICO scoring system works and are able to use it to their advantage, they will be able to get mortgages with bad credit, no matter how difficult the task may seem. Having a cosigner assist in the signing process of the mortgage can make it possible in owning a home. Paying a little more on minimum balances can make a big difference in the amount of interest paid on loans as well as improve the chance of receiving a mortgage with bad credit, and putting some money away in a savings account can make the overall mortgage application process a bit simpler for anyone with bad credit.
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