The Performance Management

As an HR professional, I have trained and coached hundreds of leaders in the art of performance management from the day to day leadership, reviews, corrective actions, and terminations of their direct reports. My approach is not only effective but simple when applied consistently.

  1. Set clear expectations and gain an understanding of the employee of what is expected and what happens if expectations are not met.
  2. Communicate on a regular and consistent basis. I encourage leaders to have one on ones with their employees so the employee has the opportunity to bring forth any roadblocks or challenges.
  3. Address problems right away. There should be no surprises when it comes to individual performance and it is much easier to correct course early than it is later.
  4. Hold individuals accountable. If clear expectations have been set it is much easier than if they have not.
  5. Documentation is everything, always follow up with the individual in writing so you have a record of what was discussed. This will make things much easier if things don’t improve.
  6. Follow the process, especially when it comes to corrective action, don’t skip steps unless it is warranted.
  7. Don’t make it personal. There is no reason to ever raise your voice or make a judgment about the person’s character. Keep in mind that the goal is to improve performance.

When done correctly performance management can turn a situation around and protect you if things don’t work out. The key is to remember that the purpose of performance management is to achieve consistent long-term engagement and optimal performance.

Military Personal Loans for Up to $20,000 – Tips to Complete a Personal Evaluation

For military members in need to financial assistance, many loan programs exist, some that can even net you up to $20,000. These programs for military loans are designed specifically for members of all branches of the armed forces, including Army, Navy, Coast Guard, Air Force and Marines as well as members of the National Guard and the Reserves. The loan program is designed to offer special financing options and interest rates while also getting you the fast personal loan funds that you so desperately need.

Determine Your Need First

As a member of the armed forces, qualification for special military personal loans is similar to any other loan application that you will endure. The only difference is that the loan offer is tailored to your lifestyle as a military member or reservist. Therefore, one of the first steps that need to be taken in getting a military personal loan is deciding on your needs and abilities to provide repayment.

Generally, military personal loans are offered in amounts that range from $2,000-$20,000. They can be taken for many reasons, not limited to: home repair, vacation or wedding funds, college tuition payments, and vehicle purchases. Depending on the use of your loan, you may opt for a secured or unsecured military personal loan and that determination will further impact the interest rate that the lender will charge and how much money you will receive.

Secured vs. Unsecured Option

As a military member, you inherently understand the concept of risk – it’s something you do every day! Lending is a business of risk, so the less the risk, the better the deal. Therefore, choosing to secure the loan that you take will impact the deal that a lender offers you.

For military personal loans, like all personal loans, the use of collateral offered through a home, land or vehicle will give the lender assurance that, should you fail to repay your loan, he will have some recourse. These so-called secured loans come with the best (i.e. lowest) interest rates.

If you do not have property to leverage, your other option is an unsecured personal loan. This loan will be granted based on a number of factors which include your income and credit score. Because a lender has no guarantee that you will repay it, an unsecured loan will carry a higher interest rate and generally a lower principle amount.

Options for Bad Credit

Due to the special nature of military personal loans, those with bad credit are still welcome to apply, and they will often receive the funds that they need. This is because lenders who work with the military will take the security of your government income into consideration when issuing you the loan. If you have bad credit, however, opting for a secured personal loan is the best way to receive favorable interest rates and the maximum amount of $20,000.

A Loan Is a Loan

The convenience of military personal loans for military members with bad credit and good credit is indisputable. However, it is important to remember when conducting your evaluation that any loan is a loan and will operate in the same way. Just because this loan is especially reserved for a military member does not mean that the rules of repayment are any different or that mistakes in your repayment will not be reported to credit agencies. Therefore, before you decide on taking a military personal loan of $20,000 or less, you need to evaluate your individual situation and make sure that the loan fits comfortably into your budget.

Tips to Cut Expenses During New Home Construction

Every second earning person carries this dream of building a house in the future. For this, they start saving since very early in their life. However, sometimes, the saved money is not enough to build a dream space. At this place, they severely need an idea to cut costs during a new construction.

Cost cutting will enable the person to have an affordably built house and bear the expenses of one of the new home builders.

Let us see how to enable cost cutting in new home construction.

Prepare an early budget:

When you start planning the budget early, you have the time to include and seclude certain necessary and unnecessary things. You can add the important things like plumbing, HVAC installation, electrical work, and furniture work, and leave the unimportant things like the interior etc. for later.

Research the market and prepare the estimate:

Before you actually go to a new home builder, make sure you have researched the market for the price of materials, tools, etc. This way a builder will not be able to cheat you. Also, this way, you will be able to follow the point number 1.

Keep the design of house simple:

When you go for complex design, the price of overall projects starts increasing. Therefore, to cut the cost, keep simple design and stick to the rectangular platform. Also, avoid complicated roof-line and keep the ceiling simple.

Choose energy efficient lighting:

To invest less in energy, choose energy-efficient solutions. The list may include the appliances, HVAC system, solar lights, LEDs, etc. Also, make sure you choose star-rated products only.

Choose quality material, but at an affordable price:

Building materials are touching sky height and therefore, research for the materials and contact a good dealer. A good dealer will provide all the materials at affordable prices and thus, it will cut the overall cost of the budget.

Used materials which are recycled:

To cut the major cost of the project, you can use the recycled materials that are not only pocket-friendly but earth-friendly. The recycled products are cement composites, recycled steel, sawdust and a lot more. You can also use recycled plumbing fixtures, fireplace fixture, window lumber, etc. Although in new home construction, you would love to add first-hand items, yet what a big deal if you save and still get the best.

Start small and build tall:

In the starting, start small and build rooms which are most needed. There is no need to include guest rooms, etc. A small project will cut impeccable cost and enable you to have your dream house. Also, rather than expanding the area of the house, expand the height. The tall building will have smaller roof and foundation, thus cutting the cost of the budget.

So, these were some of the tips with which you can save the overall cost of your new home project. Also, for more ideas, consult the best home advisor.

Some Laws To Protect Your Automobile

People tend to face numerous issues with respect to their automobiles. Some of the most common problems that people face are:

  • Buying a defective car and getting refused a refund, fixing and replacement by the manufacturer.
  • After completing a final loan contract, you are asked to sign a new contract with higher down payment.
  • You are trapped with deceptive advertisements and you have been sold a more expensive car.
  • Dealer conceals optional add-ons and undervalues the trade-in during fixing of the deals.
  • Your car is repossessed without your consent by the creditor.

Know Your Rights

There are different laws that save the consumers from auto fraud. Here is a list of various laws and their scheme of protection.

Magnuson-Moss Warranty Act

This law is utilised when a contractor, warrantor or supplier denies complying with a service contract, written warranty or implied warranty.

State Repossession Laws

These laws state that:

  • Your car cannot be removed from a locked garage by the car repossession company without your consent.
  • You can put your car up in auction or you can pay the full money in order to buy back the car.
  • On paying repossession costs or reinstating your loan, you can get your car back in some states.
  • Your car must not be sold below market value.
  • You should be informed whether the creditor will put the car up for auction or not.

State Lemon Laws

Those cars are dealt by lemon laws that have been repaired many times for the same defect. Different states have different lemon laws.

  • Your car should be replaced or refunded by the manufacturer for a substantial defect after four tries.
  • Your car should be refunded or replaced for a safety defect after two tries.

Truth in Lending Act (TILA)

According to TILA, interest rates and other information regarding the loan should be disclosed by the lenders before processing a loan. You can get the best auto financing rate with the help of TILA.

Unfair, Deceptive, or Abusive Acts or Practices (UDAP)

You are protected by UDAP from deceptive, unfair and false acts including the false advertisements.

Contacting an Attorney

You should know about the following, if you want to contact an attorney.

Repair Record

Keep record of the timing of the car when it is out for service and keep track of the repair attempts. Every time you repair the car, do not forget to submit a dated and written list of problems to your dealer.

Notice Required

Before entitling to a replacement or refund, you must go through the notice requirement of your state.

Your Refund or Replacement

Ask the manufacturer for a replacement or refund only after confirming that your car is qualified as a lemon. You may have to go through arbitration if a valid arbitration program is incorporated into your written warranty, in order to get your replacement or refund.

The Health Care System is Broken – Should Big Parma Buy Hospitals?

We all know that the health-care system in the United States of America is broken and it doesn’t take a rocket scientist to figure that out. As podium pushers and politicians tell us that they will give us universal health care we all know that that is impossible. We also know that the Social Security system is running dry and we can barely afford that.

We know that there are all kinds of lobbyists from the health-care industry in Washington, DC trying to keep it going and keep the government paying for all these health services in our hospitals. The truth this is the Medicare system in the United States was originally ill-conceived and it is only gotten worse throughout the years. Today it represents a huge cost that we can no longer afford.

Indeed the health-care system is broken, but who is coming to the rescue and how come these politicians keep promising us universal health care – a scheme that would clearly bankrupt our nation? So who is going to bail out all the hospitals if the government stops footing the bill?

Maybe big Pharma and the pharmaceutical companies might buy up all the hospitals in order to make sure that those hospitals only sell their drugs? America is on drugs there is no doubt about that and the average Grandma now is probably taking 13 different medications all counter-acting each other, wow, now that is certainly quality of life.

It is incredible this crisis – maybe we should combine these two crisis – the health-care industry and big Pharma and put them together so we can manage them better as we cut off some of this excessive corporate welfare? Too hard hitting for you? So, what’s your solution then?

Halloween Edition: What Car the Reaper Ordered

You always see the strangest cars that are associated with the Reaper in the entertainment industry. Often they are old cars, rare cars and, in some instances, sports cars that the general population cannot afford. So what are some examples that could fit the profile of a Reaper?

Talbot Lago – 1937

The Talbot Lago has so many smooth sides that it looks like the kind of car that can just glide through the streets. People will make a path on the road just to let this car pass by. With such a long front, who wouldn’t mistake this car for something that belongs to a strange entity?

Rolls Royce Phantom – 1925

The body of the car looks like it’s shaped to pass through any condition. With a shark fin on the back of the car it truly does seem like the mean machine the Reaper would want to drive. Classic cars always get chosen for the strangest of tasks.

Morgan Aero 8 – 2000

It’s strange to think that this specific car is from this era. The original styles of the popular Morgans were from the Post War era. It’s known as a sports car in some regions because of the power it has. Now a collectors’ car with a rich vibe to it, it can definitely pass off as the car of the Reaper.

Rolls Royce Ghost – 2010

This may be a modern, high status car but it can make for a great version of transportation for the strange Halloween figure. Make this a black car with silver trimmings and you have an idea for what the Reaper may drive.

To decorate any of these cars to make for a sophisticated character you could use trimmings along the edges and the tyres should be silver for a bit of a glimmer on the roads. The body of the car should be black. Matte black is also a good option as it gives the impression of wealth and elegance. The wheels should have many spokes to give a noticeable effect so that a person knows when the Reaper approaches.

In the entertainment and costume world, these cars could really complete the whole profile of the Reaper character and it could give him a distinctive personality. Although, they may seem old and worthy of being stored in a collection garage, they could definitely rock the streets on the night of a Halloween party.

Back Bay Boston’s Luxury Buildings

Boston’s Back Bay is home to some of the nation’s most luxurious luxury residences. Apartment rentals in the Back Bay can go as high as $30,000/mo. The Back Bay is one of Boston (and America’s) most expensive neighborhoods to live. The Back Bay was a swamp in the 1800’s and was filled in with landfill to create a new neighborhood. Many Boston Brahmin’s (Boston’s Yankee elite of the 1800’s) built single family residences, called “brownstones”, which still exist today.

Many of these brownstones have been chopped up into luxury condos & apartments. Thousands of brownstones line the city streets. The new caliber of apartments & condos in Boston’s Back Bay is the luxury high-rise. There are multiple luxury buildings in the Back Bay. The newest of these luxury buildings is the Mandarin Oriental Hotel Residences. The Alexander, located at 755 Boylston Street is one of Boston’s nicest luxury apartment buildings. It is located above the Vox restaurant on Boylston Street, and features a concierge, elevators, and one of the most spectacular roofdecks in the Back Bay.

The Greenhouse apartments is another of the Back Bay’s luxury apartment Apartments for rent in the Mandarin Oriental start around $6,000 for a 1 bedroom, and can go as high as $25,000/mo. for a penthouse. The 360 Newbury Lofts is another popular luxury loft development, and is located at 360 Newbury Street. This 54-unit luxury loft building features a 24hr concierge, 12 ft. ceilings, video intercom systems, and amazing views. The Hynes Convention Center Green Line is literally located below 360 Newbury. One bedroom apartments in 360 Newbury usually start around $3,500. buildings, and features a 24hr doorman, state-of-the-art fitness center, rooftop pool, and incredible views. There are currently multiple new construction projects underway in the Back Bay. Condos for sale in the Mandarin Oriental start around $2.2 million, and can go well over $12.5 million.

Tips On How To Create A Powerful Online Presence As A Small Business Owner

We are living in the internet age and for your business to be successful you should ensure that you have a strong web presence.

The first thing that you need to do is to have a website. Here you need to purchase a unique domain name and sign up for a web host. Although, there are many free web hosts and portfolio sites that you can use, you should avoid using them.

This is because such sites tend to make your business look unprofessional. To be on the safe side you should always go the paid hosting plans. The good side is that the hosting plans are usually cheap and almost every small business can afford them.

Once you have done this you should now design a stylish and user-friendly website. If you don’t have the skills to design a website, you should consider hiring a professional who will do it for you. To be successful you should ensure that your website has a current design.

In addition to having a website, you should also ensure that you have profile pages on the popular social networks such as Facebook, Twitter, Google+, and LinkedIn.

The main function of the social networks is to help you communicate with your customers. To ensure that you are able to easily communicate, you should put links of your social profiles on your website.

To increase your followers on social media, you should share content that is beneficial to your customers and clients. When sharing content, you should be very careful and avoid spamming your readers.

If you are a lover of videos, you should highly consider using YouTube videos as a way of marketing your business. The good side is that it’s very easy to create the videos; however, if you don’t have the skills to create them, you should hire a professional to do it for you.

Another great way of having a strong online presence is by purchasing advertising space that is relevant to your readers and followers. A great way of going about it is buying advertising space on Google. You can also write articles and post them on websites that are relevant to your readers.

Although, you might be desperate of having a strong online presence, you should avoid deceitful ways of marketing. For example, you should avoid “sock-puppeting.” This is because such methods can easily create serious backlash against you which would be devastating to your business.

Reading Food Labels – Ignoring Them Is Bad for Your Health

Food labels can help us make better health decisions. But yet, most people seldom give them much attention in any respect. Whether you’re attempting to shed weight, or just wash your diet, in case you’re not reading the food labels in the shop you can not possibly know just what you’re putting into your system. You are basically flying blind!

Here’s how reading food labels can impact your health in a positive way.

It’ll Give You the Information You Need To Make Smart Choices

If you are like most people if you do examine food labels the very first thing that you likely listen to is how many calories listed. But calories are really all about circumstance and do not tell the entire story. You have to be paying attention to the serving size these calories are predicated on. A fast glance at the food label of a pint of Ben & Jerry’s ice cream recorded at 270 calories may not seem like very much. But that is not the entire story! The Serving Size is really 1/2 cup and also for 4 servings. This means that you’ll just eliminate consuming 270 calories should you restrict yourself to just 1/4th of the pint. Yes, that also means that one night once you opted to complete a whole pint in once you ate over 1000 calories!

Food Labels Help You Hit Nutritional goals

Many Americans are not getting numerous crucial nutrients that they want. Among the most typical reasons why is simply because plenty of people don’t have any idea what exactly they are eating. As an instance, are you getting enough fiber in your daily diet? Many Americans aren’t. 1 way to change this is to first determine how much fiber you are already eating daily and subsequently adjusting your diet plan so. Begin with assessing the quantity of fiber to the food labels of everything you are already eating. When you’ve figured out exactly what your present average daily consumption is, you may start selecting foods with high fiber content to raise this figure.

Whilst food labels may supply you with lots of the info you want to make healthy food selections, it may frequently be beneficial to utilize an expert to help you ascertain what nutritional targets you need to try for. Why don’t you operate with a free gym trainer and think of a strategy together? If it sounds like something which may assist you.

The Top 10 Benefits and Uses of Essiac Tea

Essiac tea is an alternative health drink that is getting a lot of attention lately. It’s a tea that is comprised of several herbal elements include burdock, rhubarb, elm bark, and many other elements. It has been traced to being a major drink of indigenous tribes in North America. Researchers have been studying the drink for some time, and it has been shown to help the body in a number of ways. Drinking this on a regular basis could very well help with the following 10 benefits.

Liver Health

The first major benefit is in regard to the liver. The blend of herbs helps with cleaning the liver of toxicity. It can flush toxicity through the liver, and process it through the urine. With this tea, some individuals may see a reversal of issues related to jaundice. Which is a disease of the liver. While it’s not a miracle cure, it does support liver function, enzymes, and the removal of toxicity that can end up traveling through the body’s digestive tract. It can help boost immune system, and waste management, with a boost to the liver outright.

Ease Constipation

For individuals that are dealing with bowel movement issues, specifically constipation, this tea can help. The herbs can help soften the stool, and can help bring through enough fiber to help with intestinal distress. This is an easy laxative to take as it works with the body’s natural systems. It’s not a chemical stimulant, or harsh fibrous element. The herbs help the body manage waste, and assist with constipation with ease. There is no pain, or issue when taking this tea, as it helps the body within a few hours of drinking it, assuming the individual is struggling with constipation.

Iron Supplement

Essiac tea has a few key vitamins and minerals. One of the most common is iron. Iron is a very critical part of the body’s natural systems. With iron supplemented through tea drinking, you’ll find that the proteins in the blood help form red blood cells, and even help with reversing anemia. This strengthens circulation, and assists with proper production of hemoglobin. Staving off anemia is a great thing, and can help people that are struggling with diet and exercise, get a small boost in the right direction. It helps directly with the circulatory system, promoting heart health.

Blood Pressure Regulation

Those dealing with blood pressure issues, specifically high blood pressure, will find that the tea can help with circulation. It can help with lowering pressure, and regulating heartbeat. Those that utilize this as a calming drink, will find that it can help with a variety of different elements in the body. It can lower pressure, and even help with stress. It begins working within the first time taking it, and works as one drinks more of it through several days. Studies have shown that in a few days, pressure can significantly drop to safer levels.

Bone Health

Much like calcium, this tea can help with bone health. While it’s not the same compound as calcium, it does help with strengthening bone structure, and delivers a powerful mix of vitamins and minerals that the body utilizes to strengthen bone structure. There is a calcium element in this, but not as much as milk, but enough to help boost the body’s natural resources to help with strengthening bones that are susceptible, or may be weakening from injury, or malnutrition.

Energy Boost

While Essiac tea is not caffeinated like a cup of tea, there is an energy level boost given to drinkers of this tea. It’s done through an increase of vitamin-C, and B elements. By helping the body’s natural systems get a boost in vitamins, waking up becomes easier, and getting a little natural energy delivers on the premise that coffee does, without the crash. That’s right, there’s no crash, there’s no sleepiness after drinking this, instead, energy becomes natural, without stimulants. It has a balance that works with the body.

Helps Digest Food

Having problems digesting food? Upset stomach? Nausea? Well, the benefit that this tea gives the digestive system is immense. It helps bring about the right pH levels of the body. By stimulating the stomach to produce the right enzymes, and bile production from the glands, you’ll find that digestion is much easier. That means that eating will not be a chore, and you’ll reduce heart burn, acid reflux, and much more. This helps by adding a helping hand to the stomach’s acid, so that it stabilizes a bit easier. It becomes easier to enjoy your favorite foods, that’s for sure.

Regulate Sugar Levels

While this is not a cure for diabetes, it has been shown to help with insulin production. It can help with insulin secretion, and management. This can help lower blood sugar spikes, and help keep levels lower, although it’s not a replacement for any diabetes treatment. It can help people that are susceptible to blood sugar spikes. This can also help with boosting the pancreas’s levels as well. For those that are diabetic, the tea can help with kidney function, and help with reducing toxicity. It helps with urination, frequency, and quantity as well.

Help The Skin

Researchers exploring the benefits of Essiac Tea have found that it can help with skin care. Used as a topical solution it can help with anti-septic, and anti-inflammatory elements. It also helps from the inside out, providing skin care elements, reduction of acne, and even fine lines. Those that are looking to help with the signs of aging will see a boost in overall skin care in a few days. It helps the body with hormonal secretions and balance, helping the skin heal from the rays of the sun, to the interior of the dermal layers.

Promotes Weight Loss

The last major thing that you’re going to find with this tea is that it helps with losing weight. By helping the body’s digestive system, you may get a boost of metabolic ratio. That means that you will burn calories, even when asleep. Pushing the metabolic rate is a great thing, and can lead to faster weight loss, and sustained management in time.