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    Gorilla vs Guerilla - How Smaller Businesses Can Win
    We make our living as guerillas – not the bad kind, but more of a freedom fighter. By using the term ‘guerilla’ I mean EMJ fights for business against big gorillas (other distributors) in the field. Our competitors are almost 100 times our size; EMJ is a Canadian-based, $165 million per year distributor. We have made an operating profit for the past 80 consecutive quarters. So even though we are up against the big gorillas as a distributor, we must be doing something right.If you are in a business where some of the competitors are much larger, you may be able to benefit from using guerilla tactics. The principles of running a guerrilla organization differ from running a gorilla organization. As a guerrilla, we hide from our competitor; we do not try to crush them. I even go so far as to examine what they do well and let them do it. At the same time, I look for under-serviced markets and get to these markets fast.A gorilla takes all competitors head on, trying to crush the competition. Sometimes this takes the form of a price war. Sometimes it takes major prolonged, drawn-out investment. This works as long as you are the same size, or larger than the competition. Even then, such a long battle can sap power and ultimately pr
    s. You are sitting there “a prisoner” to the conversation. You colleague is upset when you begin the conversation, takes a while to get on track and you have to build up positive rapport again before you can be heard.

    Finally, you are at the stop sign. The person turns “Right” in front of you and you can tell his/her mind is not on driving….The cell phone is up to his/her ear. More than once I held my breath as the car barely brushed by me. They were not concentrating on swinging out farther to make the turn.

    I have made a rule for myself to not talk on a cell phone while driving. Not too long ago I was running late and I thought I’d listen to my messages on my home answering machine while driving. Then, I thought to myself, no I have my rule. So I pulled into one of our Waterfront parks. Stopped the car and looked at the river as I listened to calls. After I was through, I no longer felt rushed and that unexpected stop…served me so well.

    Bad Credit Loans Help You in Rainy Days
    Bad credit loans make you avail necessary fund to meet all your requirements. People should not shy away to apply for loans due to their poor credit. Bad credit loans are meant for such people only.We all wish good things from life such as a beautiful home, car, expensive clothes etc. All these things require a big sum of money, which is not easily affordable. Beside this our bad credit history also prevents us to apply for loans. We just simply lose hopes and compromise with the adversity. But not anymore! Bad credit loan will help you avail all that which you have been dreaming for.Due to the increasing number of people falling in to the pit of bad credit, it has become extremely comfortable to opt for bad credit loans. Lenders pay less attention to your bad credit because they understand bad credit is general and might occur to any one.Bad credit loans can be taken with or without collateral. A secured bad credit loan requires collateral but has low interest and long repayment duration. You can borrow a huge amount here, due to the presence of collateral. While unsecured bad credit loan. is just the contrary to it, you are charged high interest and huge repayment amount. However, you are not forced to offer your

    CELL PHONE ETIQUETTE

    Okay, I’ll admit I have been pushed over the edge. This morning, while reading the newspaper, I learned that a major airline is going to allow the use of the cell phone while taxiing to the gate! Can you imagine what that is going to be like?

    For two years I have thinking about doing a seminar on cell phone etiquette. Back then; I was sitting in a restaurant waiting for my luncheon companion to arrive. There were two men in the booth next me having a quiet lunch when one of their cell phones went off.

    Not only were they oblivious to the fact that I was sitting behind them, they continued to talk on the phone for a half hour. Guess what? They we negotiating a major contract.

    It was impossible not to hear them, the terms of the agreement, and what they would give if the going got tough. Hmmmm. Just imagine had I been one of their competitors. How could they have possibly known I wasn’t? For that matter, how did they know the person at booth on their other side wasn’t a competitor or relative of their competitor?

    Yes, I have cell phone. Now I cannot imagine working without one. Yet, not even my daughters have my cell phone number. They know I check my home answering often and they know I will get back to them.

    My friends, at first, made it a game to see who could be the first one to get the number. One of them did get it by checking their “who just called” notation. They recently laughed and said, “A lot of good it does me, and you never answer it anyway.” That’s right I don’t.

    When I am out and about, I’m out and about. I do not have to be in constant contact with my phone. One woman recently said to me “Kathy, I have to available for my clients.” Of course, you do, yet that does not mean that they have to have immediate access to you. When that is necessary, I stay close to my office. I learned long ago clients are flexible and realize I have a life too. In fact, that is probably one of the things that surprised me the most about being self-employed. I thought I had to be available when the clients wanted to make an appointment. Instead they are wonderful about accommodating my schedule.

    Now let’s talk about how you finally arranged a luncheon meeting with someone that you find interesting, perhaps a business associate or just a friend you want to get caught up with. You are starting the conversation and their cell phone goes off. They dig the phone out and say, “Just let me see who this is.” They look at it and say “I going to let that one go.” Ten minutes later the phone rings and it is a call they decide they need to take. Five minutes goes by (How significant do you feel, being the one sitting there?) and they hang up and say, “I am sorry, that was so and so.” As if I give a rip….Then they say, “Here, let me turn off this phone.” Ahh, peace at last.

    What people don’t seem to realize that in most case, the people all around you can hear exactly what you are saying. Recently at an airport two colleagues were talking about another colleague in unflattering terms. What difference does that make? What would you say if I told you they used names and one on the cell phone near me was wearing a shirt proudly displaying his company’s logo?

    Then there is “Let me take a moment before we begin to make this phone call.”

    Keep in mind we had a total of half hour to get our business conducted. They call home, the child begs for something, the adult gets uptight and an argument pursues. You are sitting there “a prisoner” to the conversation. You colleague is upset when you begin the conversation, takes a while to get on track and you have to build up positive rapport again before you can be heard.

    Finally, you are at the stop sign. The person turns “Right” in front of you and you can tell his/her mind is not on driving….The cell phone is up to his/her ear. More than once I held my breath as the car barely brushed by me. They were not concentrating on swinging out farther to make the turn.

    I have made a rule for myself to not talk on a cell phone while driving. Not too long ago I was running late and I thought I’d listen to my messages on my home answering machine while driving. Then, I thought to myself, no I have my rule. So I pulled into one of our Waterfront parks. Stopped the car and looked at the river as I listened to calls. After I was through, I no longer felt rushed and that unexpected stop…served me so well.

    Who Needs A Mortgage?
    Who needs a mortgage? Well, nearly everyone in North America who plans to own their own home. Interestingly enough, when you look at the Latin roots of the word “mortgage”, you’ll find two terms – mortuus which means death, and gage which means grip. So the term “mortgage” actually means death grip… pretty fitting when you think about it.Nobody WANTS a mortgage, but most people do find themselves needing one in order to purchase a home. Very few people would consider themselves “mortgage experts” however – and most of those who would call themselves that are the ones selling a mortgage…which means that they’re probably not your best bet for solid advice.When looking for a mortgage, many creatively named fees tend to show up, such as an “underwriting fee”, a “document review fee”, “loan preparation or origination” fee, and more. These fees are unnecessary, and often not included in a mortgage broker’s ‘good faith’ assessments beforehand. Depending on your broker, they may present you with the new fees in addition to your mortgage as indicated in their assessment, and give you the “take it or leave it” ultimatum.By that point, most people are either tired and frustrated with the mortgage shopping process, or they fe
    -HEIGHT: 200%"> It was impossible not to hear them, the terms of the agreement, and what they would give if the going got tough. Hmmmm. Just imagine had I been one of their competitors. How could they have possibly known I wasn’t? For that matter, how did they know the person at booth on their other side wasn’t a competitor or relative of their competitor?

    Yes, I have cell phone. Now I cannot imagine working without one. Yet, not even my daughters have my cell phone number. They know I check my home answering often and they know I will get back to them.

    My friends, at first, made it a game to see who could be the first one to get the number. One of them did get it by checking their “who just called” notation. They recently laughed and said, “A lot of good it does me, and you never answer it anyway.” That’s right I don’t.

    When I am out and about, I’m out and about. I do not have to be in constant contact with my phone. One woman recently said to me “Kathy, I have to available for my clients.” Of course, you do, yet that does not mean that they have to have immediate access to you. When that is necessary, I stay close to my office. I learned long ago clients are flexible and realize I have a life too. In fact, that is probably one of the things that surprised me the most about being self-employed. I thought I had to be available when the clients wanted to make an appointment. Instead they are wonderful about accommodating my schedule.

    Now let’s talk about how you finally arranged a luncheon meeting with someone that you find interesting, perhaps a business associate or just a friend you want to get caught up with. You are starting the conversation and their cell phone goes off. They dig the phone out and say, “Just let me see who this is.” They look at it and say “I going to let that one go.” Ten minutes later the phone rings and it is a call they decide they need to take. Five minutes goes by (How significant do you feel, being the one sitting there?) and they hang up and say, “I am sorry, that was so and so.” As if I give a rip….Then they say, “Here, let me turn off this phone.” Ahh, peace at last.

    What people don’t seem to realize that in most case, the people all around you can hear exactly what you are saying. Recently at an airport two colleagues were talking about another colleague in unflattering terms. What difference does that make? What would you say if I told you they used names and one on the cell phone near me was wearing a shirt proudly displaying his company’s logo?

    Then there is “Let me take a moment before we begin to make this phone call.”

    Keep in mind we had a total of half hour to get our business conducted. They call home, the child begs for something, the adult gets uptight and an argument pursues. You are sitting there “a prisoner” to the conversation. You colleague is upset when you begin the conversation, takes a while to get on track and you have to build up positive rapport again before you can be heard.

    Finally, you are at the stop sign. The person turns “Right” in front of you and you can tell his/her mind is not on driving….The cell phone is up to his/her ear. More than once I held my breath as the car barely brushed by me. They were not concentrating on swinging out farther to make the turn.

    I have made a rule for myself to not talk on a cell phone while driving. Not too long ago I was running late and I thought I’d listen to my messages on my home answering machine while driving. Then, I thought to myself, no I have my rule. So I pulled into one of our Waterfront parks. Stopped the car and looked at the river as I listened to calls. After I was through, I no longer felt rushed and that unexpected stop…served me so well.

    Three Ways You can Use the Ezines to Increase Your Sales
    ***1. FIRST PROMOTIONAL METHOD: Write ezine articles and submit to ezine publishers-Writing ezine articles is one of the three best promotional methods that I'd ever know. (search engines and free ebooks are other two in my experience). Of course your results may be different.Collect email addresses of ezine publishers that are willing to receive articles on certain topics.http://www.ezinelocater.com/http://www.webmasters-central.com/Ezine_Directory/index.shtmlSearch the database on these web sites and collect the email addresses of ezine publishers who are willing to receive your articles. If you have a mailing list manager or autoresponder software, you can import them to your software. Seperate the publishers emails based on the article topics they want to receive.http://www.scripts4webmasters.com/follow-up-autoresponder-pro/index.shtmlYou can send your article(s) to these publishers at certain interval like a month or two. DON'T forget to include a thankyou note for their time.***2. SECOND PROMOTIONAL METHOD: Joint ventures with ezine publishers-Follow 'Win and win' theory. If ezine publishers get something from the joint venture proposal sure they
    EIGHT: 200%"> When I am out and about, I’m out and about. I do not have to be in constant contact with my phone. One woman recently said to me “Kathy, I have to available for my clients.” Of course, you do, yet that does not mean that they have to have immediate access to you. When that is necessary, I stay close to my office. I learned long ago clients are flexible and realize I have a life too. In fact, that is probably one of the things that surprised me the most about being self-employed. I thought I had to be available when the clients wanted to make an appointment. Instead they are wonderful about accommodating my schedule.

    Now let’s talk about how you finally arranged a luncheon meeting with someone that you find interesting, perhaps a business associate or just a friend you want to get caught up with. You are starting the conversation and their cell phone goes off. They dig the phone out and say, “Just let me see who this is.” They look at it and say “I going to let that one go.” Ten minutes later the phone rings and it is a call they decide they need to take. Five minutes goes by (How significant do you feel, being the one sitting there?) and they hang up and say, “I am sorry, that was so and so.” As if I give a rip….Then they say, “Here, let me turn off this phone.” Ahh, peace at last.

    What people don’t seem to realize that in most case, the people all around you can hear exactly what you are saying. Recently at an airport two colleagues were talking about another colleague in unflattering terms. What difference does that make? What would you say if I told you they used names and one on the cell phone near me was wearing a shirt proudly displaying his company’s logo?

    Then there is “Let me take a moment before we begin to make this phone call.”

    Keep in mind we had a total of half hour to get our business conducted. They call home, the child begs for something, the adult gets uptight and an argument pursues. You are sitting there “a prisoner” to the conversation. You colleague is upset when you begin the conversation, takes a while to get on track and you have to build up positive rapport again before you can be heard.

    Finally, you are at the stop sign. The person turns “Right” in front of you and you can tell his/her mind is not on driving….The cell phone is up to his/her ear. More than once I held my breath as the car barely brushed by me. They were not concentrating on swinging out farther to make the turn.

    I have made a rule for myself to not talk on a cell phone while driving. Not too long ago I was running late and I thought I’d listen to my messages on my home answering machine while driving. Then, I thought to myself, no I have my rule. So I pulled into one of our Waterfront parks. Stopped the car and looked at the river as I listened to calls. After I was through, I no longer felt rushed and that unexpected stop…served me so well.

    Resume Format: Problem Action Result
    What resume format should you use when putting your job accomplishment bullet points together?Specifically, how should you structure the text in your resume to get the best and biggest positive impact that will result in more interviews?Hiring managers hire someone because they have a problem that they need solved. Therefore your resume needs to clearly illustrate your accomplishments, proof of the problems that you’ve solved.When you are putting your resume together and are typing your bullet points describing each job you’ve held, remember that you’re not putting together a job description.You need to type your bullet points to describe your accomplishments and achievements, not simply state what you did in that position.A good way to accomplish this is to structure each point with the following format:Problem, Action, Result.Here it is explained in more detail:Problem: Explain a problem or situation that arose in your job.Action: Explain the action that you took to deal with and solve the problem or situation described above.Result: Explain the result of the action you undertook to solve the problem or situation described above. Ten minutes later the phone rings and it is a call they decide they need to take. Five minutes goes by (How significant do you feel, being the one sitting there?) and they hang up and say, “I am sorry, that was so and so.” As if I give a rip….Then they say, “Here, let me turn off this phone.” Ahh, peace at last.

    What people don’t seem to realize that in most case, the people all around you can hear exactly what you are saying. Recently at an airport two colleagues were talking about another colleague in unflattering terms. What difference does that make? What would you say if I told you they used names and one on the cell phone near me was wearing a shirt proudly displaying his company’s logo?

    Then there is “Let me take a moment before we begin to make this phone call.”

    Keep in mind we had a total of half hour to get our business conducted. They call home, the child begs for something, the adult gets uptight and an argument pursues. You are sitting there “a prisoner” to the conversation. You colleague is upset when you begin the conversation, takes a while to get on track and you have to build up positive rapport again before you can be heard.

    Finally, you are at the stop sign. The person turns “Right” in front of you and you can tell his/her mind is not on driving….The cell phone is up to his/her ear. More than once I held my breath as the car barely brushed by me. They were not concentrating on swinging out farther to make the turn.

    I have made a rule for myself to not talk on a cell phone while driving. Not too long ago I was running late and I thought I’d listen to my messages on my home answering machine while driving. Then, I thought to myself, no I have my rule. So I pulled into one of our Waterfront parks. Stopped the car and looked at the river as I listened to calls. After I was through, I no longer felt rushed and that unexpected stop…served me so well.

    NCO Financial Services
    One of the financial services that is available to businesses and corporations is the business process outsourcing (BPO) service. This service offers businesses and corporations with a system wherein they can maintain contact with their clients with regard to various matters such as credit collection, technical support, and other means. Companies that provide this service usually put up a contact center where agents are hired to maintain the client-vendor relationship between the companies that use this service and those that buy from them.An example of such a company is the NCO Financial Services Company, which offers a wide variety of services to its clients. It is the aim of this almost eighty-year-old company to reduce client operating expenses, increase cash flow, and improve the efficiency of their client companies. NCO Financial Services has a wide network of contact centers in various countries wherein they operate. The major services that they offer fall under three major categories: Finance and Accounting, Customer Relationship Management, and Back Office.The Finance and Accounting units deal mainly in resolving deficient customer relationships, which include the collection of past due obligations. Under th
    s. You are sitting there “a prisoner” to the conversation. You colleague is upset when you begin the conversation, takes a while to get on track and you have to build up positive rapport again before you can be heard.

    Finally, you are at the stop sign. The person turns “Right” in front of you and you can tell his/her mind is not on driving….The cell phone is up to his/her ear. More than once I held my breath as the car barely brushed by me. They were not concentrating on swinging out farther to make the turn.

    I have made a rule for myself to not talk on a cell phone while driving. Not too long ago I was running late and I thought I’d listen to my messages on my home answering machine while driving. Then, I thought to myself, no I have my rule. So I pulled into one of our Waterfront parks. Stopped the car and looked at the river as I listened to calls. After I was through, I no longer felt rushed and that unexpected stop…served me so well.

    Finally, if you look around, you will see the people with “Real Power” in our community rarely pull out their cell phones in public. They have found ways to be in touch without having the cell phone being an interruption in their business days. They use them, yet they use them discreetly.

    I guess in retrospect that is what I want to convey to those reading this article. I totally believe in cell phone, delighted I have one—yet, when you use them think about the people with you and around you. People are craving to feel significant. When answering the cell phone in their presence, you have decided the person on the other end of the phone is more important than the person sitting in front of you.

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