Guide to Finance

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10 Things Women Do

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1. Stop using your credit cards.



If you already have bad credit, one of the worst things you can do is continue accumulating debt by continuing to use your cards. Don't purchase anything unless you can pay cash for it.

2. Obtain a copy of your credit report.

Get a copy of your credit report. You can go to http://www.annualcreditreport.com to learn how to obtain your copies free of charge.

3. Fix mistakes in your credit report.

Contact all three credit bureaus to fix any mistakes contained in your reports. Dispute anything you feel is wrong or out of the ordinary. Make sure to keep an eye out for negative entries that don't belong to you.

4. Pay up any late accounts.

Getting up to date on any past due accounts will have a great impact on your credit.Your payment history makes up 35% of your credit score.

5. Stop filling out those darn credit applications.

While your trying to enhance your credit don't fill out any more credit card or loan applications. More applications will harm your credit score and while your credit is still damaged your more likely to be rejected any way.

6. Don't be hastey in closing older accounts.

You should go ahead and close any gas or store charge cards you have, however don't hurry to close your mainline credit cards like Visa or Mastercard. Paying off the balances will improve your credit, but closing these cards will reduce your availabe credit and hurt your credit score, also the older the account the more your score is helped by the longer history.

7. Pay off debts.

Do what you have to, but get out of debt. This may mean giving up some freedom and taking an additional job, but you must pay off that debt. In the long run you will find your enhaced credit will be well worth it.

8. Call your creditors.

Talk to your creditors about your situation, right now they're certainly the last people you want to talk to, but you'd be surprised at the help they may offer you. Negotiate to lower your monthly payments for a short period of time if possible.
10 Things Women Do
So, here are ten ideas you might want to try, all guaranteed to make things work best in those very early days - indeed that very first day!

1. Say Hello to Everyone

By making sure you acknowledge each person as a real individual and worthy of your personal greeting and introduction, you will go a long way to being welcomed. Often this is way underrated. Recognising all in your team, at whatever level of contribution they make, is critical in the first moments of your management.

2. Ask Gentle Probing Questions

By finding out what's important, especially on their real lives (we'll come to the business shortly), you will build instant rapport. These people need to know you are interested in them and have the ability to see past pure productivity in the business.

3. Listen Hard and Show That You Are A Good Listener

A great way is to hear what you are being told and making eye contact and giving lots of supportive body language/noises really helps. To show you 'hear', ask another question whenever you have been told something - there is no stronger way to show that you recognise the individual importance of someone.

4. Be Positive All Day

It's easy to be critical of whoever was previously in the role. After all, it's a real easy target. Yet wait. This gives the impression that you are the type to 'pass the buck'; blame others and above all be insincere. So, stick with positive comments, whilst acknowledging possible shortfalls in the past.

5. Really Hear Complaints and Issues

There will be those who try to get in early and want change for themselves. There will also be those who want to share their frustration with you. It is vital to appreciate what they are saying in a supportive, constructive and yet rather guarded way.

On day one, you won't realise what truth is. Their words will be clouded by assumptions and polarised towards what they have experienced. So, don't be tempted to 'fix' everything from day one. Understand, appreciate and park (though get back to them as you've eased yourself in - it is vital to follow through later).

6. Seek Out What's Good About the Place

Listen and build on what is going right. You may be on the sharp end of complaints and there will be positives they want to share - even if not, look out for them. Seek good performance out wherever it is, however small. Such appreciation will be welcomed as long as it is real and honest.

7. Find Out What People Want to Work Best

A great piece is to ask them what one thing they would like to change about the place they work. Then through the actions you take to resolve, in public, you will start to be really appreciated. This is not a blank check to fix things. Sometimes things can't be fixed soon, even quickly or even ever. It might just not be possible for one person. What will be valued, will be your explaining to them why not. In fact this is probably a stronger course of action than the quick fix, as it builds trust and the relationship.

8. Be Out and About at the Sharp End

It's always tempting to sift through the office work you've inherited ('gives me a great sense of what's going on'). In fact you'll get much more from mucking in and getting your hands dirty with the people at the sharp end. Not only will you truly find out much more about the issues in the business, you will also gain the appreciation of your people, in your capacity to get stuck in with them.

9. Say Goodnight to Everyone

This doesn't apply to your first night only, but every night. You cannot overestimate the value of being at the door to the office or the store thanking everyone and saying good night. It's a small and very relationship-building activity.

10. Have Fun!

This needs a little care, especially at the beginning of your management or you can appear frivolous - or just plain daft. By laughing along with your new people you will warm to them and them to you. It just requires care and a level of awareness to make this work best.

First day over? Check yourself off against this list. How did you do, marking each out of 10?

Near to 10, well done, can it be even better tomorrow and going forward?

Not quite there, well, you can shift, if you do it early enough.

Low scores, maybe someone should have given you this checklist before you started. Now it will be uphill and you'll have to start integrating this checklist, step-by-step over the next few weeks. It is redeemable.

Now you are on the way to a healthy, thriving relationship with each and every one of your employees. Using these behaviors can be leveraged to get great value from the relationship you put time in to build.

And you have made a great start.
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About Author
Both Brandan Collins & Martin Haworth are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Brandan Collins has sinced written about articles on various topics from Finances, Marketing and Marketing. Brandan Collins is a Network Marketing Mentor.To learn more about this topic Brandan reccomends you visit US Online Credit Info.. Brandan Collins's top article generates over 1300 views. Bookmark Brandan Collins to your Favourites.

Martin Haworth has sinced written about articles on various topics from Finances, Interview Questions and Team Building. ? 2005-6 Martin Haworth is a Business and Management Coach. He has hundreds of hints, tips and ideas at his website, http://www.coaching-business. Martin Haworth's top article generates over 3350000 views. Bookmark Martin Haworth to your Favourites.
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