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Dexter James asked:


Anyone, even if least interested in fashion, will jump out of his/her seat, if told about this new genre of fashion. But those, who know what does it mean to be safe on one hand and fashionable on the other, will tell not only the benefits of this “bullet-proof’ fashion, but also they will sing a praise-song for Miguel Caballero, a Colombia born.
Commonly, he is termed as “Armani of Armour” in the world of fashion. According to the reports, he was very much perturbed by the killings of people, especially the important ones, in the civil war of his country. Hence, this catastrophic situation sparked in him the inspiration to use fashion not for its centuries old purpose, but to save the lives of people. A completely different and bizarre use of fashion, indeed.

1992 was the year when he launched his unique version of fashion apparels in order to keep the bullets, fired with evil intentions, away from the innocent lives. This happened after his stay in Bogota, where he studied, which had proved a fashion laboratory for him. He was quite fascinated by the bullet-proof apparel worn by his classmates. Most importantly, most of them were offspring of famous personalities of Columbia.

When he provided some very accurate and safe services in Columbia, he got a series of clients begging him for his assistance. Apart from Hugo Chavez and Alvaro Uribe, the presidents of Venezuela and his very Columbia respectively, he got some other famous clients such as King Abdullah of Jordan and Hollywood Action Star, Steven Seagal. However, these 1.2 Kilograms bullet-proof jackets can be bought at the famous Harrods in London by anyone.

He got his clients all around the globe. Being famous and rich, they never wanted to compromise with their fashion quotient. Hence, they wanted to be safe. At that period, Caballero’s “bullet-proof and fashionable” apparels came to their rescue. Now, their blazers, shirts, leather jackets and even the ties have gone bullet-proof. It means, there is the surety of a complete safe and fashionable life to them.



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Graeme Nichol asked:


Its amazing that when business seek to change or worse if things start to slide in any economy, rising or declining, managers start looking for the silver bullet. The solution to end all solutions. It tells the shareholders they are in charge and doing something. Perhaps not much, but, by golly, something is going to happen.

Is there any attempt at logic as to what needs to be done? Mostly not. We have company directors who hand out the latest management fad book, often written by someone with very little business experience but a great editor and some marketing dollars behind the publisher. There are even guru specific concepts to which business succumb, some of these are plain weird, for all involved, but dubious as to their results. Team bonding and building exercises as well as ropes courses abound. Even training by ex jet fighter pilots! Then there are the indoor courses for those not wanting to interact too violently with nature. We see companies taking on facilitators of Open Space Technology, which uses no technology, by the way, while attempting to uncover the ails of an organization through open but weakly facilitated meetings. The names are pretty compelling, if nothing else.

Today we have heard how GE turned its self around. Often people think that it was done with the aid of Six Sigma, the behemoth of a program that names its team members after clothing items to establish a pecking order. Weird. Well, it wasnt the only program they had in place, it was part of a program they dubbed work-out to work out the problems that had become part of their businesses. Six Sigma was one of many tentacles acting throughout the organization. In the days of work-out some divisions went for years before they were deemed ready for Six Sigma. There were many other issues to be tackled before this process and it s rigors were introduced. Nowadays we have quality staff and managers scrambling to get trained, so as to offer themselves some downsizing protection by being better trained and more hirable! Nice ROI for the sponsoring company.

We are seeing the same with the program that throws Japanese terms around to it is disciples. Companies blindly sign up and hope that things will improve. Hey, guess what? They do. For a while, then it is business as usual, and the slippery slope continues. Diehards will say See, it didnt work for us, we are different. Kaizen to you too!

Remember the Hawthorne experiment? Lights brighter, people work more productively, lights dimmer, people work more productively? Yip, if you are being watched you work harder. Homer Simpson couldnt have said it better, Duh.

The next fad we are seeing on the rise is the coach and mentor approach. Managers hire coaches or mentors, in some cases, people with dubious business experience, asking people how they feel about it all. These people are not accountable to anyone and management has no way of measuring their effectiveness if there is no system in place to do so. It s a great few hours chat with a friend on company time. Coaches and mentors work when they are specific, the exCEO mentors the incumbent CEO, or an up and comer. Sales people are mentored by an expert salesperson and held accountable to certain objectives jointly set. Dont get me wrong the right mentor can be a very powerful person in an executives life and even in a business as a whole.
Watch an organization that throws its weight against a program in isolation to other factors and I ll show you an organization in trouble. Management has no idea where to look and how to act. A program is the best thing they can think of. The best known names are the winners. Like hiring IBM for your IT needs, you cant go wrong. WRONG, of course you can. Managers and leaders alike need to apply more commonsense or discretion in selecting the next fix.

So what works? In essence they can all work. Given commitment and motivation to see them through. Dont stop a failure, which may show that you havent understood the full impacts of your change, learn form the failures and move forward. Back to GE. They worked-out over a number of years issues to reconstitute business. It takes time to figure out the organization structure, the processes, the systems, information systems, technology, the people, their tasks, competencies, gaps.

So is there a simple answer? No, it requires a holistic, systematic approach. No single process or system is going to turn you around instantly, it needs to be holistic, systematic; focusing only on process or implementing an ERP or CRM isnt really going to make your division or organization skyrocket! Mangers and business owners often forget that people are important too. They may talk about their greatest assets being their staff, but push comes to shove staff are treated like simple resources. Then the thought is a motivational speaker will make the difference? Get the picture?

Theres no silver bullet. Develop your business from the ground up. Define and describe your strategies so that everybody understands them. Bring your staff into the picture. Develop your staff and let them create their goals and objectives that support the organizations goals. In some instances, this may mean each employee has his or her own dashboard of key measures that tie back to departmental goals, which in turn tie back to the corporate goals. This series of cascading dashboards is difficult to accomplish but worth the effort because it enforces strategic alignment company-wide. With employee performance management, each person can understand the company’s strategy in terms they can relate to: how they can personally help the company to achieve its mission. Do not rush this, as it will create a performance-oriented culture.

Get focused on the big picture. No silver bullets, Im afraid.

Success



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Anthony Ellis asked:


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Car loans, student loans, credit card debt and other types of personal loans can often be included in the consolidation loans. These loans will in effect pay off your old loans and you will have one, larger loan to pay off.

Bullet-Proof Your Business

Today’s business environment isn’t getting any easier, nor will it get easier anytime in the future. I’m not psychic but I have learned that business NEVER gets simpler. More competition, shrinking profit margins, increases in fixed and operating costs are just a few of the issues we deal with everyday. You can lament this fact or, you can take proactive measures to bullet-proof your business. Here are few strategies that can help:

Clearly define your business. The most successful business people know what they are in business for. They have one or two areas of specialty or expertise and they stick to what they’re good at. They avoid the temptation to try to become everything to everybody. In many fields, specialists tend to do better than generalists and, in bookselling, it’s no different.

Have you created a niche market for yourself?

Is your niche viable in your location/city/town/market?

Are you the best at what you do in your trading area?

Do you stick to what you’re good at or do you stray from this when revenues are lean? Mounting bills, a slow month or months, pressure to generate dollars to the bottom line; it’s tempting to take on new work or do something in an area you don’t have a lot of experience. Unfortunately, this spreads our resources thin and can cause us to lose focus in our specific area of specialty. And, because we’re in an area that isn’t our strength, the quality of our work may not be as good. This causes customer dissatisfaction which leads to lower repeat and referral business. It then becomes a vicious circle; we take on more work that falls outside our area of expertise because we need the sales. We don’t execute at 100% and we lose a customer. Our sales continue to drop so we pick up more work. And so on.

Create and maintain customer loyalty. In today’s competitive environment, many business owners think that consumers are concerned only with getting the lowest price for the product or service they are buying. So, they spend money trying to attract new customers based on price which means they constantly erode their profit margins. Although price is a factor in every sale it is not always the most important factor. It is much more effective, not to mention profitable, to create and maintain customer loyalty. Here are a few questions to consider:

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Do you keep a data base of clients and stay in regular contact with them?

Do you know and use your customer’s names?

Do you give them a reason to continue doing business with you?

Do you know what your customers want or expect?

The benefits of investing your time, effort, energy and money to create loyalty include: more referral business, higher margins, and reduced advertising costs. It’s important to note though, developing customer loyalty is not something you do once in a while, it is the way you conduct and run your business.

Deliver outstanding customer service. Virtually every business recognizes the importance of delivering excellent customer service. Yet, few actually consistent execute. The excuses run from “I have to reduce my head count” to “My employees are just here to collect a paycheck” to “I can’t be in the store twenty-four hours a day.” Again, it comes back to why you are in business. Obviously, if you want to deliver great customer service on a consistent basis you won’t be the lowest priced vendor; it’s economically impossible to achieve this goal.

To deliver outstanding customer service you need to get personally involved. You need to determine what great service means to you and, even more critical, what it means to your customers. Improve your selling skills. Constant refining of your sales skills will help you close more sales and/or increase the value of each sale. I don’t suggest you adopt or use aggressive, hard selling tactics. Instead, I recommend you develop your skill at uncovering your customer’s needs, suggesting solutions that are appropriate to their needs, and overcoming objections. Learn how to engage the customer in the sales process and how to ask for a referral. There are many selling skills books on the market; review a few and adapt some of the concepts to your specific situation. And make sure you teach your employees how to apply these concepts too.

Running a small business is not easy. Define your business, give people a reason to buy from you, hire and train the right employees and get involved in your community. These strategies will help you remain competitive now and in the future.

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Bridging loans can be used to fill in the cash shortfall existing in a property transaction and many more. Each loan has different features; you can find the loan you are looking for from the vast number of loans offered by lenders.

Direct loans are convenient, flexible and simple. A Direct loan is a loan by a lender to a customer without the use of a third party. This type of loan enables the lender to have greater discretion in the distribution of loans.



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Sarah Freeman asked:


Millions of Americans suffer from bipolar disorder and other mental health conditions that interfere with their ability to work. However, it can be very hard win approval for bipolar disability benefits from the Social Security Administration, compared to a person who has an obvious physical disability. Don’t give up. It is well known that bipolar disorder can make employment impossible, but you will have to work harder to prove your case.

Use these 8 winning strategies and get the benefits you need and deserve:

1. Never Give Up: Don’t hesitate to appeal a refusal. In fact, the number one tip from most disability experts is Appeal, Appeal, Appeal! Around 75% of claims are denied on the initial application, but most claims are granted on appeal. Sadly, most applicants don’t understand this and 50% give up after their first try. Beat Social Security at its own game and get that appeal in within the 60 day deadline.

2. Learn the Language: Most applicants for bipolar disability are stressed and just want to get the process over with. This can lead to a lack of research and cutting corners when filling in forms. To win Social Security Disability for bipolar you MUST understand all the official definitions and terminology. Make sure your case looks exactly like what the Social Security Administration expects for this type of disability claim. For bipolar disorder, this means problems concentrating, thinking clearly, dealing with co-workers, excessive fatigue, poor work attendance, and similar issues.

3. Don’t Delay: Some people think you must be out of work for a year to be eligible for bipolar disability benefits. This is not true.

4. Get Regular Medical Treatment: The Social Security Administration will not be satisfied unless you can demonstrate a consistent record of medical treatment. You must attend your doctor’s appointments, counseling sessions, fill your medication prescriptions, and do everything else advised by your psychiatrist or other medical expert.

5. Don’t Rely on Your Diagnosis: It is not enough to simply have an official diagnosis of bipolar disorder from an accredited medical practitioner. You will only win Social Security Disability for bipolar if you document how your illness impacts your ability to work. Use your paperwork to show the connections. For example, because of your bipolar disorder you often miss work, cannot concentrate and make mistakes in your work tasks, or get into arguments with co-workers.

6. Stay Organized: Never hand over an original document unless you have a copy of it. Keep a complete mirror file of all your completed forms, records and any other paperwork.

7. Be Nice: Yes, the process is difficult, slow and stressful, but the folks at Social Security are stressed too! They have a job to do and you will get nowhere by losing your cool. Always be calm and polite. If the process sounds overwhelming, then think seriously about our final tip:

8. Get Expert Help: The cost of a professional disability attorney or other expert representative is regulated by law. Usually it will be 25% of back benefits, up to a maximum of $5,300. The average costs are usually around $2,500. Of course, most people cannot afford to spend thousands of dollars. The best solution is to leverage the expertise of the professionals and use a DIY Social Security Disability kit created by an expert that takes you step by step through the process of preparing a bullet proof case for bipolar disability.

Public understanding of bipolar disorder is improving all the time. Follow the 8 strategies above and build a cast iron case for winning Social Security Disability for your bipolar.



2008 WSOP