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    The Growing Popularity of Self Builds
    Self builds offer people the chance to obtain their dream home at a reasonably affordable price. As a result, more and more people are turning away from property development in favour of pursuing self build projects.The new trend in self builds is a direct result of rising property prices and housing supply shortages. Indeed, there has been a huge decline in commercial house building since the 1970s, which the government has tried to resolve by setting a target of 3.8 million new homes by 2021.Many people are addressing this problem by deciding to build their own houses rather than relying on what is available on the existing market.There are a number of advantages of self builds. Lower costs and higher quality are amongst the key benefits. On average, people who self build save
    ifferences; I'm just not sure yet what this example reflects. What do you think?

    I also learned that, in Japan, if I'm testing an inference about you, it's "helpful" to frame it in a way that suggests that I was not so clever to think about this, but that you were the one to think of what I'm saying. This is one of the many ways that people show humility and respect to others. I still don't understand how you do this if you are the one testing the inference; but then I realize that my thinking is limited to both the English language and the frames associated with it. In Japanese, it may be relatively simple. Japanese colleagues: please help me understand how you accomplish this.

    One of my biggest surprises came in Australia (and was reinforced in New Zealand), when participants told me that Australians are reluctant to give positive feedback. They called it "tall poppy syndrome": those who r

    First Step To Having Success In Network Marketing
    Are you thinking about joining a network marketing team? Have you joined a network marketing team and you’re not having success? Did you know that 97% of people who join network marketing will quit having made little or no money? If you want answers to these questions I have them for you. This is the first step for anyone who has joined or is thinking about joining a network marking team and is looking for success.The biggest difference between the top 3% in network marketing and the bottom 97% is the top 3% are all leaders. That’s right; that is the biggest difference. So if you are looking to have success in network marketing and you are not a leader or don’t have what it takes to become a leader than you will FAIL like 97% of people do.In my opinion there are naturally gifted
    It was a noble effort, even if I was naive. Last week I returned from a thirty-day trip to Germany, China, Singapore, Japan, Australia, and New Zealand. In each country, I led Skilled Facilitator workshops. Some of you reading this participated in these workshops.

    For years, my clients have asked, "What do people outside the United States think about The Skilled Facilitator approach? Can it work in Europe and Asia, especially given the emphasis on saving face? How?" I set out on my trip, naively thinking that I could come back with ready answers. I have begun to form some answers; but mostly, I have developed more questions. If I have learned anything on the trip, it's that the issue of using the Skilled Facilitator approach in different cultures is a complex one. Mastering this topic in a one-month trip is about as realistic as expecting to master the approach itself in one month.

    In this column, I'll share some of the things that my clients shared with me and that made an impression on me. In future columns, I'll share some of the implications for using the Skilled Facilitator approach in different cultures.

    First, people in every country I visited have been using the Skilled Facilitator approach to guide their work. This may not be a surprise to you, but it was to me. There is a dedicated group of people in each country who are using the approach to inform their work, as facilitator, consultants, coaches, and leaders.

    People from every country had concerns about using the Skilled Facilitator approach; almost all of these concerns were similar in kind (if not intensity) to the concerns my United States' clients express. Although participants in every country didn't name "saving face" as a potential barrier to using the approach, participants in every country did use face saving strategies.

    In Europe, a participant who works in Eastern European countries impressed on me that when citizens in these nations used to share relevant information, sometimes they faced prison terms or worse. (This was similar to a comment my colleague Anne Davidson heard from our clients in the former Soviet Union). Fortunately, the other European participants in this workshop did not share this experience.

    Participants in China, Singapore, and Japan talked openly about the need to save face and at the same time how saving face creates problems. In one of my conversations in Tokyo, a colleague told me that because Japan is such a homogenous nation, managers expected that their direct reports are able to correctly make inferences without testing them out. When I asked if this worked, she told me that it created problems. Making a gross generalization, among my workshops in Shanghai, Tokyo, and Singapore, my impression is that the issue of saving face was less an issue in Singapore. I don't know whether this was a function of the particular people in the workshop, my impression that Singaporeans seem to think of themselves as more Western than the others, or something else. Those of you with experience in Singapore and China and Japan: What are your thoughts?

    In Tokyo, I conducted my workshop in English and it was translated - or more accurately, interpreted - into Japanese. I learned that in Japanese there is no word for "you" that is not offensive. If I'm going to test out an inference I'm making about you (and your surname is Teramura) , it would roughly be translated as, "Mr. Schwarz is inferring that Ms. Teramura thinks that Mr. Schwarz will be late delivering the report. Is Mr. Schwarz thinking correctly?" I know the difference between the languages reflects deeper cultural differences; I'm just not sure yet what this example reflects. What do you think?

    I also learned that, in Japan, if I'm testing an inference about you, it's "helpful" to frame it in a way that suggests that I was not so clever to think about this, but that you were the one to think of what I'm saying. This is one of the many ways that people show humility and respect to others. I still don't understand how you do this if you are the one testing the inference; but then I realize that my thinking is limited to both the English language and the frames associated with it. In Japanese, it may be relatively simple. Japanese colleagues: please help me understand how you accomplish this.

    One of my biggest surprises came in Australia (and was reinforced in New Zealand), when participants told me that Australians are reluctant to give positive feedback. They called it "tall poppy syndrome": those who re

    Collections Checklist: How to Collect Past-Due Accounts
    While having a small accounts-receivable balance indicates good financial management, (around 1.5% to 2.5% of your gross income), collecting past-due balances is a displeasing aspects of business. Studies show that 75% of receivables that are 3 months delinquent are paid. However, this number drops to 56% after 6 months. Therefore your delay in collecting past-due accounts will reduce your chance of receiving payment. This checklist should help you reduce the stress of collecting past-due accounts:Encourage customers to pay sooner by offering discounts for early payments. For example, offer a 2% discounts for accounts paid within 10 days rather than 30 days. Keep an eye on the calendar for tax refund season.Keep an eye on the calendar for t
    olumn, I'll share some of the things that my clients shared with me and that made an impression on me. In future columns, I'll share some of the implications for using the Skilled Facilitator approach in different cultures.

    First, people in every country I visited have been using the Skilled Facilitator approach to guide their work. This may not be a surprise to you, but it was to me. There is a dedicated group of people in each country who are using the approach to inform their work, as facilitator, consultants, coaches, and leaders.

    People from every country had concerns about using the Skilled Facilitator approach; almost all of these concerns were similar in kind (if not intensity) to the concerns my United States' clients express. Although participants in every country didn't name "saving face" as a potential barrier to using the approach, participants in every country did use face saving strategies.

    In Europe, a participant who works in Eastern European countries impressed on me that when citizens in these nations used to share relevant information, sometimes they faced prison terms or worse. (This was similar to a comment my colleague Anne Davidson heard from our clients in the former Soviet Union). Fortunately, the other European participants in this workshop did not share this experience.

    Participants in China, Singapore, and Japan talked openly about the need to save face and at the same time how saving face creates problems. In one of my conversations in Tokyo, a colleague told me that because Japan is such a homogenous nation, managers expected that their direct reports are able to correctly make inferences without testing them out. When I asked if this worked, she told me that it created problems. Making a gross generalization, among my workshops in Shanghai, Tokyo, and Singapore, my impression is that the issue of saving face was less an issue in Singapore. I don't know whether this was a function of the particular people in the workshop, my impression that Singaporeans seem to think of themselves as more Western than the others, or something else. Those of you with experience in Singapore and China and Japan: What are your thoughts?

    In Tokyo, I conducted my workshop in English and it was translated - or more accurately, interpreted - into Japanese. I learned that in Japanese there is no word for "you" that is not offensive. If I'm going to test out an inference I'm making about you (and your surname is Teramura) , it would roughly be translated as, "Mr. Schwarz is inferring that Ms. Teramura thinks that Mr. Schwarz will be late delivering the report. Is Mr. Schwarz thinking correctly?" I know the difference between the languages reflects deeper cultural differences; I'm just not sure yet what this example reflects. What do you think?

    I also learned that, in Japan, if I'm testing an inference about you, it's "helpful" to frame it in a way that suggests that I was not so clever to think about this, but that you were the one to think of what I'm saying. This is one of the many ways that people show humility and respect to others. I still don't understand how you do this if you are the one testing the inference; but then I realize that my thinking is limited to both the English language and the frames associated with it. In Japanese, it may be relatively simple. Japanese colleagues: please help me understand how you accomplish this.

    One of my biggest surprises came in Australia (and was reinforced in New Zealand), when participants told me that Australians are reluctant to give positive feedback. They called it "tall poppy syndrome": those who r

    Fiber Intermediate Prices Soften
    Crude oil prices softened a bit in October but remained firm around US$61-63 per barrel. They have fallen by almost US$10 per barrel from the peak of US$70.85 hit in end-August. The fall has come as a boon for many fuel consuming industries and textiles in particular. The entire synthetic fibre industry, almost depend on petroleum products for raw material inputs. In October, WTI Spot, averaged US$62.4 per barrel and was 17% higher than last year. During the first 10 months of 2005, oil prices were higher by 38% averaging US$56.1 per barrel.Late October saw crude prices falling on news report claiming weakening of demand and higher inventories in the USA. However, the supplies were still tight following the rampaging of the Mexico Gulf by hurricanes in August and September. The strike at Shel
    ng strategies.

    In Europe, a participant who works in Eastern European countries impressed on me that when citizens in these nations used to share relevant information, sometimes they faced prison terms or worse. (This was similar to a comment my colleague Anne Davidson heard from our clients in the former Soviet Union). Fortunately, the other European participants in this workshop did not share this experience.

    Participants in China, Singapore, and Japan talked openly about the need to save face and at the same time how saving face creates problems. In one of my conversations in Tokyo, a colleague told me that because Japan is such a homogenous nation, managers expected that their direct reports are able to correctly make inferences without testing them out. When I asked if this worked, she told me that it created problems. Making a gross generalization, among my workshops in Shanghai, Tokyo, and Singapore, my impression is that the issue of saving face was less an issue in Singapore. I don't know whether this was a function of the particular people in the workshop, my impression that Singaporeans seem to think of themselves as more Western than the others, or something else. Those of you with experience in Singapore and China and Japan: What are your thoughts?

    In Tokyo, I conducted my workshop in English and it was translated - or more accurately, interpreted - into Japanese. I learned that in Japanese there is no word for "you" that is not offensive. If I'm going to test out an inference I'm making about you (and your surname is Teramura) , it would roughly be translated as, "Mr. Schwarz is inferring that Ms. Teramura thinks that Mr. Schwarz will be late delivering the report. Is Mr. Schwarz thinking correctly?" I know the difference between the languages reflects deeper cultural differences; I'm just not sure yet what this example reflects. What do you think?

    I also learned that, in Japan, if I'm testing an inference about you, it's "helpful" to frame it in a way that suggests that I was not so clever to think about this, but that you were the one to think of what I'm saying. This is one of the many ways that people show humility and respect to others. I still don't understand how you do this if you are the one testing the inference; but then I realize that my thinking is limited to both the English language and the frames associated with it. In Japanese, it may be relatively simple. Japanese colleagues: please help me understand how you accomplish this.

    One of my biggest surprises came in Australia (and was reinforced in New Zealand), when participants told me that Australians are reluctant to give positive feedback. They called it "tall poppy syndrome": those who r

    Medical Billing - GU0 Record Fields 26 Through 30
    Medical billing of DMEPOS claims is difficult enough under the best circumstances. With all the different items that can be billed and the various requirements for each of them, difficult becomes an exercise in near futility. In this installment, we continue our review with one of the most massive CMNs in electronic transmission of claims. We'll cover the GU0 record continuing with field number 26. This is where things get so complicated the each field becomes more and more difficult just to explain.GU0 field 26, position 112, is Reply ALN L01 N01. This is the first of many fields that refer back to a specific question on a specific CMN, kind of like a mapped grid. Because there are so many CMNs and this GUO record has to accommodate all of them that apply, these fields are given generi
    , and Singapore, my impression is that the issue of saving face was less an issue in Singapore. I don't know whether this was a function of the particular people in the workshop, my impression that Singaporeans seem to think of themselves as more Western than the others, or something else. Those of you with experience in Singapore and China and Japan: What are your thoughts?

    In Tokyo, I conducted my workshop in English and it was translated - or more accurately, interpreted - into Japanese. I learned that in Japanese there is no word for "you" that is not offensive. If I'm going to test out an inference I'm making about you (and your surname is Teramura) , it would roughly be translated as, "Mr. Schwarz is inferring that Ms. Teramura thinks that Mr. Schwarz will be late delivering the report. Is Mr. Schwarz thinking correctly?" I know the difference between the languages reflects deeper cultural differences; I'm just not sure yet what this example reflects. What do you think?

    I also learned that, in Japan, if I'm testing an inference about you, it's "helpful" to frame it in a way that suggests that I was not so clever to think about this, but that you were the one to think of what I'm saying. This is one of the many ways that people show humility and respect to others. I still don't understand how you do this if you are the one testing the inference; but then I realize that my thinking is limited to both the English language and the frames associated with it. In Japanese, it may be relatively simple. Japanese colleagues: please help me understand how you accomplish this.

    One of my biggest surprises came in Australia (and was reinforced in New Zealand), when participants told me that Australians are reluctant to give positive feedback. They called it "tall poppy syndrome": those who r

    NFL Players, Coaches And Celebrities Enjoy A Day Of Sport Fishing Off Of South Florida
    The population count for Miami has about doubled for Super Bowl weekend. The historic Art Deco streets of South Beach have been shut down only allowing for the flood of pedestrians walking the sidewalks to overflow onto the streets.Some of the NFL Superstars and other Celebrities in town for this weekend chose to escape the organized chaos and relax by heading offshore for a fun filled relaxing day of Sportfishing. Capt Vinnie LaSorsa, owner of www.Go-Sportfishing.com, is no stranger to entertaining celebrity guests on his 53 Foot custom Sportfishing yacht.Capt. Vinnie LaSorsa says "I make a living doing what I love, when you do what you love you do it well. I know these guys from the NFL can relate." Capt. Vinnie's guests surely agreed. "He truly runs a professional, top notch Sportfi
    ifferences; I'm just not sure yet what this example reflects. What do you think?

    I also learned that, in Japan, if I'm testing an inference about you, it's "helpful" to frame it in a way that suggests that I was not so clever to think about this, but that you were the one to think of what I'm saying. This is one of the many ways that people show humility and respect to others. I still don't understand how you do this if you are the one testing the inference; but then I realize that my thinking is limited to both the English language and the frames associated with it. In Japanese, it may be relatively simple. Japanese colleagues: please help me understand how you accomplish this.

    One of my biggest surprises came in Australia (and was reinforced in New Zealand), when participants told me that Australians are reluctant to give positive feedback. They called it "tall poppy syndrome": those who receive feedback stand up tall only to get cut down like the tall poppies growing in the field. When I asked where this notion originated, several participants told me that most Australians today were descended from convicts (the British sent their prisoners there), and people did not like the idea of others acting above their station. I'm not certain whether the motivation to withhold positive feedback is to protect people from being subsequently being "cut down" or because they do not want people to feel better than others. Australian colleagues: please help clarify this.

    In almost every workshop, I asked participants if they could use some elements of the approach in their work, and if they could adapt it effectively to use within their culture. Almost all participants thought they could even though the approach was countercultural. What I took from this is that people believe it was possible to honor the core values and principles of the approach even as they adapt it to their particular cultural context. For example, in Tokyo, one participant told me that he believed it was possible to test inferences directly with a superior as long as he could convey the respect he had for the other person and could also convey his pure intent for testing the inference. To me, this seems like a combination of compassion and transparency. Still, I don't want to mislead you; the issue of saving face and protecting others does have a cultural layer in the Asian countries I visited that is not present to the same degree in the United States.

    I had many more experiences, which I'll continue to share in future columns. I just wanted to give you some initial impressions. What are your reactions or own experiences about this? Please join our conversation at the Mutual Learning Action Group on using the Skilled Facilitator approach in Asian cultures.

    © 2005 Roger Schwarz

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