With so many people struggling to make ends meet, it isn’t a wonder that credit challenged folks are screaming for payday loan help. What kind of help that becomes is definitely driven by personal financial situation. Every individual will not get the same answer since their perspective in searching for help will differ by many variables. For example, is the credit challenged person looking for a bad credit cash advance or is the payday loan help a cry for answers to climb out of short-term loan debt?There are many calls into direct payday lenders asking for a loan. If obtaining fast cash was in fact that simple, the lending companies would be large corporations. A good customer service agent would help to pre-qualify the caller. It saves the potential customer time from filling out an application if the basic qualification standards are not met. That’s a lot of help!If the lender is not able to approve your loan, the customer service representative should at least try to help point you in the right direction if their service stops at that point. Some companies will continue your service and try to find a company that will service your loan. Payday loan help has been given! If you application is not funded at this point, then you have to consider what problems there may be in your bank account to make a bunch of direct lenders turn you down. You initially called and asked for help, so call again and ask for a better understanding. Any good payday loan service will explain the reasons for disqualifying your application. As upsetting as it may be to be rejected by a direct lender, you will now have a direction to better your financial outlook. By the way, any service provided by an actual direct lender or servicing company is free. The only fee you should ever pay would not be collected until an actual loan due date. Don’t get caught up in someone trying to take advantage of your financial state.Just because your payday loan direct lender does not go into your credit report, it doesn’t mean that you treat them any different. No payments will get your payday loan debt onto your credit history once a collector owns it. Call for help! Any good service provider will at least have suggestions for you. Maybe your best bet would be extending the loan for another term and pay only the fees. This will buy you some more time to earn some extra income in order to pay the loan off. Other people may find that buying their loan down is the best way to work at getting that fast cash advance loan off of their plate. This option will have you paying for all fees plus anything you have to put against the principle balance. This action will extend only a part of your loan to accrue less in fees for the following term. As the fees decrease, you extra payment will increase to lower the balance that much faster. It may only take you a few pay periods to get the payment complete paid in full. This option works for many borrowers, but if you don’t call and ask for payday loan help, you may just disregard your loan obligations which will lead to nowhere good and fast.Take time out of your day to make the call. If there is no answer (during normal business hours), you shouldn’t be working with that payday loan company in the first place. Address the problem with customer service in order to try to find the best answer. You will be expected to pay your online cash advance loan, so don’t go looking for a free ride. What you can expect is answers to payday loan help questions from a friendly customer service agent.
Effective Tips To Help You Evaluate Your Eye Exercise Program
Eye exercises are a somewhat controversial subject on the internet nowadays. Everyone seems to have a different opinion as to whether or not eye exercises work. Some people swear by eye exercises. Others are convinced that these techniques that are designed to improve your vision are not eye related quackery, but real effective natural remedies that correct eyesight problems naturally. As a consumer it is very easy to get very frustrated over the confusing information that you continue to see on the web regarding this issue. You may be wondering who can you really trust on this particular issue. When it comes to the subject regarding evaluating eye exercise programs on the web it is often difficult to determine which eye exercise program is right for you. For instance, there are literally numerous eye exercise programs out there promising that you will achieve 20/20 eyesight without glasses. Have you ever wondered to yourself is there some kind of criteria that I can use in order to evaluate an eye exercise program to make sure that I choose the program that is right for me? Additionally, you are probably wondering if there is a guideline that would help making this decision an easier process. Therefore, here is some information regarding this issue:One of the major considerations that you need to take into account when you are searching for the right program of eye exercises is that you need to ask yourself the question is there a program out there that is best suited to your own individual needs as a consumer. In other words you need to ask yourself if the program you are choosing is right for you and will consist of a program of techniques that will be easy, simple, straightforward and user friendly. So that it makes it easy to stay on track with the program and get on a path to achieving your vision improvement goals of better natural vision without glasses.You also need to know that the eye exercise techniques that you will be required to perform are not time consuming at all but would be a suitable kind of program that you can easily fit into your busy schedule even in spite of the fact that you may have a hectic routine. You also need to ask yourself what is the track record of this particular program in terms of the results that it has provided its customers for instance. For example, you need to ask the question was the program designed by a medically trained eye care practitioner with many years of experience in the field of optometry or natural eye care? Another relevant question is what the customer satisfaction rate of this particular product is. By evaluating these key factors you can be assured that you are closer to making the right decision as to which eye exercise program is right for you.Another vital factor that you should take into consideration before choosing the right eye exercise program to improve your vision naturally is what kind of rating has this product received in reliable reviews that are independent and unbiased. Additionally, you need to find out whether or not the program you are choosing is comprehensive in nature. For instance, does the program include a thorough and easy to follow nutritional guide that instructs you on specifically what foods you should eat that end up improving your vision as opposed to what foods you should avoid that end up worsening your vision? Along with what herbs, vitamins and nutritional supplements to take to improve your vision besides a guide with eye exercises. A final consideration when choosing the right eye exercise program is to find out if the program also includes an aspect that incorporates a mind/body connection element that emphasizes the vital role that mindset and positive thinking plays in improving your vision health.There are many different eye exercise programs to choose from to help you to achieve the goal of obtaining sharper natural vision without glasses. Some considerations that need to be taken into account when making such an important decision includes determining whether or not your program has a good track record, good independent and unbiased reviews. In addition to a program that is comprehensive in nature. In other words the program should be thorough in terms of the fact that is should combine the most vital keys necessary for succeeding at a natural vision improvement program. These keys to success include a helpful nutritional guide in addition to eye exercise techniques that are suited to your individual needs. Additionally, such a program should include an effective mindset component. This component should help you to speed up the results of your vision improvement program for faster results in achieving sharper vision without glasses. By following this important criterion you can be assured that you will make a wise decision in choosing the vision improvement program of eye exercises that is right for you.
Managers Coaching in the Workplace
Workplace coaching has been for the reserve of executives or individuals within organisations. Now organisations realise that managers using coaching skills can provide direct performance and business benefits.More than 70% of organisations with any formal leadership development activities use coaching as an important part of that. The Chartered Institute of Personnel and Development (CIPD) states that line managers typically deliver 36% of the coaching to their reports, while HR and Training and Development specialists were delivering 30%.This suggests an expectation for line managers to deliver more coaching.I will start with defining what is coaching in the workplace, and what it is not. I will cover how it works as a development tool, the topic of the Manager as coach, their roles and responsibilities; the deliverables to the business and the pros and cons of delivering coaching.I will cover how a manager can coach, who they will coach, and different styles and to conclude the issues that it may raise, how they can be recognised and some solutions.How does it work?
Organisations realise they can improve the performance and motivation of their people through coaching. A coaching style of management is preferred to the traditional command and control approach.Coaching is a more a management style rather than a tool. Application of coaching has many examples; delegating, problem solving, team building, planning and reviewing.Coaching embraces 2 fundamental principles, that of awareness and responsibility. Huge potential lies within all of us. What blocks that unleashed potential? Restrictive structures and company practices, the lack of encouragement and opportunities offered, and management style of the company. The most common internal block is self belief. Building self awareness, responsibility and self belief is the goal of a coach.Awareness can be raised by focussed attention and by practice. It is the clear perception of the relevant facts and information. It helps in recognising when and how emotions or desires distort our own perception.When we accept, choose or take responsibility for our own thoughts and actions, our levels of commitment increase, and so does our performance. Performance is likely to improve if someone chooses to take action, rather than being told.Effective questioning in conversation best generates awareness and responsibility. Questions should be open beginning with words like what, when, how (much/many), and who. Why is discouraged as it suggests criticism. Questioning will follow the coachee’s train of thought. If they appear to be going way off track a simple interjection like “I notice we haven’t talked about”, helps bring things back on course.What should we ask, and in what sequence? Several coaching models exist. The most familiar is the (T) GROW model. The G is for Goal, setting the agenda for the session as well as the long term aspiration. The R is for reality, exploring the current situation. The O follows for options or courses of action. Finally W is for what is to be done, when, by whom (the way forward).Other coaching models exist, such at the SHOOTS model. Here they cover Seek to understand, Hone the goals, Objectives set, Options and action planning, Try it out, Success review. One further coaching model the “Coaching path”, is another.The Manager as Coach the pros & cons
Can a manager coach and do their own day job? With the demands placed on managers these days, adding one more task to their list of objectives in an ever demanding workplace.Organisations realise they can improve both the performance and motivation of their associates through coaching. Focussing on encouraging people to think for themselves, a coach provides support, challenge, feedback and guidance, but rarely answers.A survey conducted by the Chartered Institute of Personnel and Development (CIPD) suggests managers who have been trained in coaching can also self coach. While operational coaching carried out by line managers will help to improve performance, it is dedicated internal coaches who will bring about long-lasting behavioural change that can really add value.Dedicated internal coaches within an organisation must raise the question of value for money and cost effectiveness. My own observations of cost-cutting programmes, flatter organisations, and the need to demonstrate value for money leave little room for a coach to exist as a dedicated resource.There are some additional pros and cons for coaching a team From the perspective of the coach is a successor could be created, avoiding team members being “off the job” to develop skills, and could be cost effective. The downside to this is that they (the manager) feel their own job may be jeopardised, it can be time consuming, and giving people responsibility may encourage them to dispute the coach’s authority. The manager in coaching may develop a lack of confidence if the coaching experience does not go well.For the team the benefits are that they will be coached by someone who knows them and their development needs. Development is part of the job and is therefore directly relevant and useful, and it makes work more challenging and interesting. The downside could be if coaching isn’t taken seriously.Coaching may not always be appropriate. A manager may have to switch from a coaching role to a directing role and then back again. As long as this is explained to the team this should not cause an issue. If not then the behaviour can be seen as ambiguous.For the manager to be successful he needs to build rapport with the people he is coaching. Without this coaching will have limited benefits. The relationship will often be one to one, however in the case of a development or performance focus; the manager may have to report to a sponsor to give feedback. All parties will need to know this from the start.How can a Manager Coach?
Organisations need to decide how coaching will be deployed, who will do the training (internal/external) and how many managers are to be trained. This would usually be led by the HR function, supported by senior management. This could be built into the organisations objectives and targets. By the creation of a “coaching culture” coaching will be more readily accepted.Various coaching models are available for the manager as coach. The most common is (T)GROW. Used effectively it’s relatively simple to use (previously discussed). Regardless of which model the coach chooses to take, it will give them a repeatable model to use. One disadvantage of having many managers coaching in organisations is standardisation, a model will help.Assuming the manager has received coaching training, and is now armed with a repeatable model to follow, what next? There are several dimensions in the coaching relationship to consider. One is between the coach and the coachee (team or individual).A third dimension which is the manager to the organisation. This may mean reporting upwards on progress and developments of a coaching relationship.A manager can coach in various ways; coaching downwards, meaning coaching individuals who report directly. Coaching upwards, meaning the relatively unusual situation of coaching ones superior. This can be dangerous as a senior manager may ask for honest feedback, but does not want to hear the truth! I would advise extreme caution in this situation.Coaching sideways, meaning coaching colleagues peers or equals in the organisation. This occurs in different areas and can benefit the coach, coachee and the organisation with an exchange of views and knowledge. It allows challenging questions to be asked, which might not necessarily be raised if one had expert knowledge of the functional area.Team Coaching, is another dynamic where a manager can apply his coaching skills. For a team there are times when coaching intervention will be effective. These are the beginning, midpoint and ends. The beginning helps establish boundaries, identifies what to do regarding tasks and timings. This helps the group to have a good launch, and can significantly enhance member’s commitment to the team and the task. At the midpoint failures and successes can be shared, as well as experiences. Teams are able to review how they have worked together and will be open for some coaching intervention. The end of a task or performance should be time for lessons learnt for future project work.These 3 coaching interactions can be summarised as motivational in the beginning, consultative at the midpoint, and educational at the end. Evidence suggests that coaching a team in between these points in the cycle may have small beneficial effects.What issues does it raise?
There are three angles, the coach (manager) the coachee (individual and team) and the organisation.In all organisations politics have their place. It is important to remember that as a coach your role is non-judgemental. The manager needs to recognise when there is a conflict of interests and flag at the earliest opportunity. By finding themselves “in the middle”, this is potential for stress. Managers should be aware and take early action to avoid this situation.In commercial organisations, Return on Investment (ROI) or at least a clear measure of how coaching will impact the organisation is required. Few initiatives will be approved or deployed unless there is a clear measurement system. This is where a “coaching culture” may support the initiative. Being incorporated into the organisations missions, and values as well as one of the organisations corporate objectives will support success and adoption.Tracking success of coaching can pose a headache. Process tools & guidelines will help with this. For example specifying how long the coaching will last for, the assessment instruments and agreement as part of the contracting phase.One issues a manager may face when coaching in an organisation is that of standardisation. For example coaching models, how information is recorded, and how coaching sessions are conducted.A barrier to coaching is the perception the time to do it. Small companies and some owner managers are likely to complain that they don’t have the time to do everything. Smaller companies tend to have fewer dedicated resources. However it is accepted that some smaller businesses fail as a consequence because they had not adequately developed their key staff.Managers as coaches may well come across the international dimension and are an aspect that the manager as a coach needs to be aware of, even within a single organisation. This is particularly relevant in a more diverse workforce.Managers ought to understand how development impacts on people in the organisation. Managers need genuine interest; otherwise they may only pay lip service to the “coaching culture” or their organisations “strategy and vision”. In hostile environments (such as fast paced manufacturing) with aggressive attitudes and styles, change needs to happen quickly, and coaching is not automatically chosen.Autocratic environments where management “tell” their associates display language and behaviour in direct conflict to the coaching style. If managers have to “tell” their associates, they handle and remove any ambiguity in their role as coach. As long as this is explained to associates this should not cause an issue.If time is upmost then telling will be the fastest way. If the quality of the result is upmost, then coaching for high awareness and responsibility is likely to deliver. If maximising learning is upmost, coaching will optimise learning and retention.Coaching is a tool for people development. What if there is nowhere for the people to develop to? Organisations adopting flatter and leaner structures, particularly in the light of current economic situations there may leave little scope for individuals to move unless someone leaves. Succession planning helps here but people may have to “stand still” for some time.As a consequence of downsizing individuals find them with even higher workloads than before. Organisations typically shed jobs and restructure with little thought as to how the business processes and people are affected.Other organisational barriers to coaching success are lack of time, where the managers did not feel that they had the time; they want things done now so revert back to “command and control”.Fear of skills coaching used, for managers who can’t or won’t coach will oppose its use. They may feel weakness in their ability. Fear from the associate’s side their mangers are not confident in their role as coach, and some associates may be better than them. From the manager’s side there is the fear of the coach, that the coach can perform better than them and perceive it as a threat. There is the fear of risk, that if it does not bring the results that are expected (whether reasonable or not) that it would be a waste of money (externally provided), or resources and time (internally provided).Coaching is not a “catch all” for everything and everyone and the manager needs to recognise when coaching is not appropriate. As a guide but by no means exhaustive, when faced with the following situations, a manager may question if coaching is appropriate. If a criminal act is committed, serious health or emotional problems, stress, and substance abuse.Conclusion
Coaching has been recognised as adding value in the workplace, not only for high achievers and executives. Responsibility for delivering the coaching still rests largely with the line management team in an organisation ( 70%).Coaching is applied in a non-directional, non-judgemental way. Before improving performance awareness and responsibility need to be raised. Coaching models exist to aid the manager the most common being (T)GROW.Coaching may appear an additional task on f the manager’s already heavy workload. Done correctly, it allows the manager more time on core tasks such as long-term planning and objective setting. In developing staff it avoids them being “off the job” to develop skills. There are occasions where a manager will have to “tell” staff and needs to be handled by them appropriately.Coaching can be done at various levels within an organisation, team, individuals, peers, superiors or themselves. It is important for the manager to recognise when coaching is not appropriate and seek assistance.The manager needs to be aware of any conflicts of interest, particularly in the area of values and beliefs. A demonstrable measurement system will support the coaching approach. The standard of training and ongoing support to coaches is important to ensure that a coach does not have a negative effect on the workforce. Cultural and diversity dimension also needs to be considered.Coaching is clearly not a “catch all” or a sticking plaster for a manager to heal over their areas of responsibility. It is extremely powerful when used as a management style, supported by a strong and visible coaching culture within an organisation.The final question I would raise to any organisation not using, or considering using coaching is why would they not want to benefit from the overriding benefits that it can yield?