Guy Work

By Josiah Walter

 Few organizations exist in order to communicate. Most have another purpose ; to sell a product or service , to supply a social need , to implement plans and policies. Yet to do those things ,organizations spend an enormous amount of time , energy and money communicating.

People in organizations communicate in many ways : face-to-face in two person discussions, in informal groups, in meetings , by email, in old fashioned letters ormemos and in reports.

All of these methods are verbal communications, or communications that uses words. Nonverbal communication does not use words . Pictures , computer graphics and company logos are examples of non - verbal communications. Interpersonal nonverbal signals including smiles, who sits where at a meeting, the size , location and window access of an office and how long someone keeps a visitor waiting.

Studies have found that people generally spend 70 to 85 % of their work time deliberately communicating , writing , reading , speaking and listening . Often most of an executive’s day is spent in communication modes.

Your technical skill whether it be in accounting , marketing , sales or computer technology may get you your first job. The ability to speak and write effectively may help you keep it as well as prospe . A major study showed that the inability to write was a major reason that accounts were fired As you rise in an organization , technical skills matter less and more general skills including the ability to write and speak will determine how fast and far you go.

Most students understand the importance of effective oral communication skills. But some are not convinced that they need to be able to write well to succeed professionally. They may think that a secretary or technical writer will do their writing , or think that they can use form letters if they have to write. Each of these claims has fundamental flaws in their logic.

Today , many workers in business and government still have their letters , memos and reports typed on a computer by someone else.

However this situation is changing rapidly as more and more business’s realize the economy and simplicity of the prevalence and standardization of computerized office software packages.

You may be lucky to still have someone else type out your letters . However this is not going to last long. And the best secretary , cannot compensate for fundamental errors in organization, logic, audience, analysis or tone.

Sometimes you may finish a letter after five o’clock . Sometimes you may need to work on weekends or be ” on the road “. You will most likely need to put the finishing touches on a report that is due at 9 a.m. Monday. The ability to write well makes you much more independent and versatile.

You may think that you can use form letters that are widely available for the office software packages.

A form letter is a prewritten fill-in-the-blank setup designed to fit standard situations. The writer can personalize a form letter or report by having it individually filled out with the recipients.

Using a form letter is Ok but some of those available are dreadfull and will leave a very bad impression of you .

Even good form letters cover only routine situations. The higher you rise in your organiation , the more frequently you will face situations that are not routine and demand creative and more specific solutions. If you develop the skills necessary for good writing and original thinking , you are far more likely to realize your potential and reach your career goals.

Many people in business and government routinely write from 10 pages of letters and memos a week and in some cases it not uncommon for 20 to 35 pages a day. Most people find speaking easier than writing. The phone is faster and usually cheaper than than a letter or memo. Email is of course is among the cheapest means to communicate both in time spent in delivery , effectiveness and cost.

People in organizations put things in writing , rather than depend exclusively on oral communication to create a record , to convey complex data , to make a message to multiple recipients succinctly , efficiently and effectively.

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Credit Score and Other Factors Affecting the Car Insurance Rates?

By Arush Keerthi

 Credit score is your credit standing. If you have taken a loan and have loan dues, filed an IVA, CCJ, bankruptcy or have arrears you will face a negative credit score. These scores will determine your financial standing in the market and indicates whether you are a risky candidate for further loans, insurance etc.

A loan lender will consider your financial standing before making a decision to lend you loans, similarly an insurance company will also consider these scores in determining the policy premiums. If your financial standing is negative then you are considered a risky candidate and you will be charged a higher premium than the others.

You must develop money management skills in order to repay your loans or policies on time. Stick to your budget and fulfil your financial obligations in a hassle free manner. Remember that paying your policies on time will save you from a lot of other problems. You may receive a mail from the service provider or a phone call reminding you that you need to make the premiums on time and if you fail again this time, your policy would lapse. Your insurance company will be listed as a creditor you failed to pay, and other auto insurance companies are not going to want to take you on as a customer. This is because if you didnt pay your other auto company premiums, chances are good you wont pay theirs, either.

Other factors that may affect your policy premiums are age, sex, driving record, anti theft alarm, anti brake system etc. If you are a senior person above 35 years of age, then you will be charged lower than a teenager. A teenager is more prone to an accident as he would drive badly and is hence charged a higher premium. Similarly ladies are charged lower than men, as they drive slowly and carefully. This may not be relevant with all the policy providers.

If you are unable to make your premiums on time, what happens?

Car insurance companies are not forgiving when it comes to missingpayments, and the financial and legal consequences are not worth the headache and expense. You can alwaysdo some shopping around to find another auto insurance company thatcan give youlower rates than the ones you are paying now.

Installation of special devices in your vehicle offers more security to you and guards against any damages in future. Hence, having an anti theft alarm installed will offer solace to the policy provider and he would charge lower premiums.

Arush Keerthi, Expert author. Information on Redundancy protection: Sickness and Redundancy Protection

Get more information on: Unemployment Protection Insurance Policy

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