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	<title>Dmort Business Solution &#187; Business Consulting</title>
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	<description>Business Solution, Business Advice, Finance Reviews and More</description>
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		<title>Tips On Searching For Business Consultants For Your Company</title>
		<link>http://www.dmort-wmd.org/business-consulting/tips-on-searching-for-business-consultants-for-your-company.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/tips-on-searching-for-business-consultants-for-your-company.html#comments</comments>
		<pubDate>Fri, 25 May 2012 13:20:19 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Consultant]]></category>
		<category><![CDATA[Consulting]]></category>
		<category><![CDATA[Indonesia]]></category>
		<category><![CDATA[Management consulting]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Unilever]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=739</guid>
		<description><![CDATA[Consulting firms in Indonesia is not so prevalent as in neighboring countries. However the role of consulting firms, consultants, marketing and business consultants are now increasingly feels the importance with increasing competition in the business world. Anything noteworthy to choose business consultant, marketing consultant for your company? In General, existing business consultants are those who [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">Consulting firms in Indonesia is not so prevalent as in neighboring countries. However the role of consulting firms, consultants, marketing and business consultants are now increasingly feels the importance with increasing competition in the business world. Anything noteworthy to choose business consultant, marketing consultant for your company?</p>
<p style="text-align: justify">In General, existing business consultants are those who are academically trained and lacking experience as a businessman. Although there are arguments that the consultant is reliable is not always used to be a successful businessman, but you need to consider. Coach basketball success in the NBA, a professional basketball league in America, giant football clubs Club coaches on the continent of Europe, is a former professional football and basketball player. They have experienced a bitter become professional players, so it can guide the professional players of their orphanage. It is worthy of you as businesses consider, whether you want to receive a briefing from them claiming to be professional, but less experience or even never do business, let alone become a successful businessman.</p>
<p style="text-align: justify">Consulting firms or consultants that have already become marketing entrepreneur or business people, and most have never successfully manages his company, would be an asset for your business. If they haven&#8217;t been doing business, or even once a businessman who failed, what they can contribute to the effort and your business?</p>
<p style="text-align: justify">If you only want to hear the business theory theory, which mostly just giving you homework and the chart table and the form you have to fill in, it might be more efficient for the price, if you buy a book like the Pocket MBA guide MBA and so on. The choice is in your hands. Many consulting firms, marketing or business that is well known, but not necessarily they have what you need to become more successful.</p>
<p style="text-align: justify">Consulting firms that can actually help You are those who understand the theory and practice of business practices comprehensively, both theory and its application on the road. Large companies such as Unilever, even require prospective top executive works starting from the bottom and never done canvasing on the market traditional market</p>
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		</item>
		<item>
		<title>Tips on How to Choose a Consultant</title>
		<link>http://www.dmort-wmd.org/business-consulting/tips-on-how-to-choose-a-consultant.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/tips-on-how-to-choose-a-consultant.html#comments</comments>
		<pubDate>Wed, 16 May 2012 13:17:53 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Company]]></category>
		<category><![CDATA[Consultant]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Management consulting]]></category>
		<category><![CDATA[Reputation]]></category>
		<category><![CDATA[Résumé]]></category>
		<category><![CDATA[Seth Godin]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=735</guid>
		<description><![CDATA[Tips on how to choose a consultant Resume vs. Reputation vs. Recommendations Of course the reputation of a consultant is a major factor for selecting a consultant. Logically, if a consultant has had a real job in the company of some kind, then it is likely to be able to help your company as well. [...]]]></description>
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<p style="text-align: justify"><strong>Tips on how to choose a consultant</strong></p>
<p style="text-align: justify"><strong>Resume vs. Reputation vs. Recommendations</strong></p>
<p style="text-align: justify">Of course the reputation of a consultant is a major factor for selecting a consultant. Logically, if a consultant has had a real job in the company of some kind, then it is likely to be able to help your company as well.</p>
<p style="text-align: justify">Nevertheless, such as tips from Seth Godin, the resume of someone actually often trap. This system is his weakness. In fact, resume or reputation is anything that&#8217;s been done a professional in the past, but not the potential in the future. So, actually the factor is not less important in selecting a consultant, in the context of a start-up is a recommendation. If there are professional colleagues in an industry are recommending a consultant, even though he doesn&#8217;t have a Resume or a brilliant Reputation, then he could you consider to be your business consultant.</p>
<p style="text-align: justify">Executor Strategy</p>
<p style="text-align: justify">Business consulting provider companies usually take the form of Firm or partnership. At the time of the initial meeting, usually a consulting firm will send its best staff. But, keep in mind that the hiring of a consultant is employing its people, not just his strategy. So, it is important to ensure, before signing the contract, who is going to execute him later. Is it the best staff, partners in the firm, or other staff. This will help you to know with whom you are working together on an important part of managing business, implementing the planned strategy.</p>
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		<item>
		<title>Pro and Cons of Business Consultant</title>
		<link>http://www.dmort-wmd.org/business-consulting/pro-and-cons-of-business-consultant.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/pro-and-cons-of-business-consultant.html#comments</comments>
		<pubDate>Fri, 11 May 2012 13:14:56 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[business plan]]></category>
		<category><![CDATA[Consultant]]></category>
		<category><![CDATA[entrepreneur]]></category>
		<category><![CDATA[Human resources]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[Management consulting]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=733</guid>
		<description><![CDATA[Creative business owners who are just starting, assumed the role of consultants are often not important. Or the reason is &#8220;the consultant is expensive&#8221;. In fact, if a businessman thinking of employing a consultant in economical, start-up company you instead many cost-saving. What costs can be saved? The cost of failure and ignorance. A good [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">Creative business owners who are just starting, assumed the role of consultants are often not important. Or the reason is &#8220;the consultant is expensive&#8221;. In fact, if a businessman thinking of employing a consultant in economical, start-up company you instead many cost-saving. What costs can be saved? The cost of failure and ignorance.</p>
<p style="text-align: justify">A good business consultant, will share his knowledge of managing the business with you. That is, you are helped gone through some critical stages of entrepreneurial without having to actually get through. Because one of the roles of the entrepreneurial consultant is primarily to advise and tips on how to manage the company to get through these times.</p>
<p style="text-align: justify"><strong>There are several pros and cons to hire consultants, as follows:</strong></p>
<p style="text-align: justify">Pro: Focus.</p>
<p style="text-align: justify">Creative entrepreneurs establish businesses according to what she liked. As a photographer, then he will set up a business that deals with photography. With the hiring of consultants, the entrepreneur can focus on the field of photography is preferred, photography. In the meantime, the problems of business operations, can be submitted on business consultant.</p>
<p style="text-align: justify">Pros: Cost Effective</p>
<p style="text-align: justify">Hiring a consultant is relatively cheaper than hiring employees remain. A professional in the field of management, usually will require relatively high salaries, even if your business is a start-up. In addition, the attractiveness of a professional is hired to want to work allowance. In the meantime, contractual consultant contract normally off. You don&#8217;t need to spend the cost benefits are high. In addition, as a freelancer, consultant fees so flexible.</p>
<p style="text-align: justify">Cons: Specialties</p>
<p style="text-align: justify">Each consultant has a background job specialties of each. If the consultant has worked in the field of Human Resource, then he will use the approach of Human Resource. And so on. Rarely has the knowledge of general management, if it is, a lot of knowledge in particular only half-half.</p>
<div class="force_dir"><span><span lang="en">Creative business owners who are just starting, assumed the role of consultants are often not important. </span><span lang="en">Or the reason is &#8220;the consultant is expensive&#8221;. </span><span lang="en">In fact, if a businessman thinking of employing a consultant in economical, start-up company you instead many cost-saving. </span><span lang="en">What costs can be saved? </span><span lang="en">The cost of failure and ignorance.</span></span></div>
<p>&nbsp;</p>
<div class="force_dir"><span><span lang="en">A good business consultant, will share his knowledge of managing the business with you. </span><span lang="en">That is, you are helped gone through some critical stages of entrepreneurial without having to actually get through. </span><span lang="en">Because one of the roles of the entrepreneurial consultant is primarily to advise and tips on how to manage the company to get through these times.</span></span></div>
<p>&nbsp;</p>
<div class="force_dir"><span lang="en">There are several pros and cons to hire consultants, as follows:</span></div>
<p>&nbsp;</p>
<div class="force_dir"><span lang="en">Pro: Focus.</span></div>
<p>&nbsp;</p>
<div class="force_dir"><span><span lang="en">Creative entrepreneurs establish businesses according to what she liked. </span><span lang="en">As a photographer, then he will set up a business that deals with photography. </span><span lang="en">With the hiring of consultants, the entrepreneur can focus on the field of photography is preferred, photography. </span><span lang="en">In the meantime, the problems of business operations, can be submitted on business consultant.</span></span></div>
<p>&nbsp;</p>
<div class="force_dir"><span lang="en">Pros: Cost Effective</span></div>
<p>&nbsp;</p>
<div class="force_dir"><span><span lang="en">Hiring a consultant is relatively cheaper than hiring employees remain. </span><span lang="en">A professional in the field of management, usually will require relatively high salaries, even if your business is a start-up. </span><span lang="en">In addition, the attractiveness of a professional is hired to want to work allowance. </span><span lang="en">In the meantime, contractual consultant contract normally off. </span><span lang="en">You don&#8217;t need to spend the cost benefits are high. </span><span lang="en">In addition, as a freelancer, consultant fees so flexible.</span></span></div>
<p>&nbsp;</p>
<div class="force_dir"><span lang="en">Cons: Specialties</span></div>
<p>&nbsp;</p>
<div class="force_dir"><span><span lang="en">Each consultant has a background job specialties of each. </span><span lang="en">If the consultant has worked in the field of Human Resource, then he will use the approach of Human Resource. </span><span lang="en">And so on. </span><span lang="en">Rarely has the knowledge of general management, if it is, a lot of knowledge in particular only half-half.</span></span></div>
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		<item>
		<title>7 Different Types of Assignments and Business Consultant</title>
		<link>http://www.dmort-wmd.org/business-consulting/7-different-types-of-assignments-and-business-consultant.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/7-different-types-of-assignments-and-business-consultant.html#comments</comments>
		<pubDate>Fri, 11 May 2012 13:14:33 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[American Management Systems]]></category>
		<category><![CDATA[Bain & Company]]></category>
		<category><![CDATA[Boston Consulting Group]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Cambridge Technology Partners]]></category>
		<category><![CDATA[Human resources]]></category>
		<category><![CDATA[Management consulting]]></category>
		<category><![CDATA[McKinsey & Company]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=730</guid>
		<description><![CDATA[Now many companies engaged in the field of business consulting has been a lot of change economic the way individuals think world even about stuff at the moment. The consultants are experts in specific fields, so can them in the fields in the handle. There are tips and tricks how to deepen business consultant who [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">Now many companies engaged in the field of business consulting has been a lot of change economic the way individuals think world even about stuff at the moment. The consultants are experts in specific fields, so can them in the fields in the handle.</p>
<p style="text-align: justify">There are tips and tricks how to deepen business consultant who is successful according to Vince Lombardi i.e. Focus because the focus is our commitment and will be creating a very capable of being the expert in its own field, always trying to steer towards better results, never satisfied on achieving that already work and efficient as well as integrity. They nor should  of wills over solutions offered, have a good knowledge, be able to ask the right questions that can lead to a make problem and a long-term solution.</p>
<p style="text-align: justify">A wide variety of tasks and types of Business Consultants</p>
<p style="text-align: justify">1. Business Consultants in the field of Marketing.<br />
If a company has a problem in the  marketing and realize that they need outside opinions different from a broader perspective, then the company will hire a consultant marketing.</p>
<p style="text-align: justify">2. Business Consultant in the fields of Culinary Restaurants and food.<br />
For company toothbrushes food and want to annulment how we manage the restaurant is capable of saving herbs and raw materials without changing the menu and cooking recipes or want to fix the system service on the consumer</p>
<p style="text-align: justify">3. Business Consultants in the field of human resources.<br />
Human Resources (HR) Consulting or human resource consultants is a consultant focusing on efforts to homemaking the value of HR in a company by placing the right person in the right position and the right line of work by doing caraway or open job vacancies so that the company&#8217;s success can be achieved with the support of a solid employee.</p>
<p style="text-align: justify">4. Business Consultant in the fields of strategy and planning.<br />
Bain &amp; Company, the Boston Consulting Group (BCG), and McKinsey &amp; Company is a great company that moves in the field consulting strategic consulting or business strategy.</p>
<p style="text-align: justify">5. Business Consultants from the field of information technology.<br />
American Management Systems, Accenture, Cambridge Technology Partners, Computer Sciences Corporation, and Electronic Data Systems (EDS) is the example of company IT consulting or consultant of information technology is a great</p>
<p style="text-align: justify">6. Business consultants in the field of Internet and Programming.<br />
E-Consulting is a consulting deal with problems pertaining to e-business and e-commerce in a broad scale</p>
<p style="text-align: justify">7. Miscellaneous.<br />
Some examples of consultants working in other fields is the Charles River Associates (consultants who focus on economics and litigation services)</p>
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		<title>Individual Retirement Account</title>
		<link>http://www.dmort-wmd.org/business-consulting/individual-retirement-account.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/individual-retirement-account.html#comments</comments>
		<pubDate>Tue, 28 Feb 2012 10:44:02 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Individual Retirement Account]]></category>
		<category><![CDATA[Savings account]]></category>
		<category><![CDATA[Sunday]]></category>
		<category><![CDATA[Transactional account]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=688</guid>
		<description><![CDATA[I have been trying to get out of debt for years, I have recently remarried, I am 55 years old and my wife is 51. We have a $400 house payment and a $400 truck payment. We filled our taxes this year with a total income of $50,000. My wife had about $30,000 in credit [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">I have been trying to get out of debt for years, I have recently remarried, I am 55 years old and my wife is 51. We have a $400 house payment and a $400 truck payment. We filled our taxes this year with a total income of $50,000. My wife had about $30,000 in credit card debt 5 years ago. She now owes about $3,000. We have in savings ( three different joint savings account and 1 IRA) about $9,000.<br />
My truck is a company truck that I get paid an extra $4.00 an hour to use and it pays of in August 2010. We bought the house 3 years ago on a 5 year note.With my truck payed of this year, her credit card debt will be gone by Christmas.<br />
Also my Wife works part time as she is still in college to be an Elementary School Teacher. My hours vary day to day as I am a land surveyor. I make 75% of the household income. I thought about a second job but nobody wants to hire a man who cannot be there at the time he is needed. I work some days sunrise to sunset and others only 6-8 hours. I work a Saturday or two each month, it depends on the surveys we have in and how soon they are needed. Except for 1 or 2 Sundays a year, I don&#8217;t work on Sunday. And I never know for sure what days I will be off, usually Saturday and Sunday, but sometimes it could be a weekday and work the weekend.<br />
Also the reason for 3 savings accounts is that I move the majority of the money around to which ever one has the highest interest. Right now 1 pays 1.5% interest, that&#8217;s where 80% of the money is. the second pays 1.05% interest and that&#8217;s where15% is. and the third is required by my bank (Randolph Brooks S&amp;L) to have a checking account, it has the remaining 5%.<br />
I bring home about $3,000 a month. With the bills payed I try to put $300 to $600 a month in the savings. I cannot at this time add to my IRA whenever I want. After it matures I plan to move it to the S&amp;L where I can.<br />
We eat out once or twice a month. Usually at a place that it cost us about the same as buying and preparing the food ourselves. I&#8217;ve always been told that I am very frugal.<br />
I occasionally have to dip into the savings to repair my truck or the home (it is a 900 square ft. mobile home built in 1979). It reminds me of the money pit on a tiny scale. I do 90% of the work on it myself as I come from a long line of carpenters (on my mothers side of the family).</p>
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		<title>Retirement Association</title>
		<link>http://www.dmort-wmd.org/business-consulting/retirement-association.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/retirement-association.html#comments</comments>
		<pubDate>Sat, 25 Feb 2012 10:47:41 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt consolidation]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Secured loan]]></category>
		<category><![CDATA[Unsecured debt]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=692</guid>
		<description><![CDATA[I can see what you Dave means here but I think that once again, you must look at your particular situation. Due to serious health issues over the past four years (cancer, a ruptured brain aneurysm and a stroke), our debt had sky-rocketed and had unbelievable interest rates and are underwater with our mortgage by [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">I can see what you Dave means here but I think that once again, you must look at your particular situation. Due to serious health issues over the past four years (cancer, a ruptured brain aneurysm and a stroke), our debt had sky-rocketed and had unbelievable interest rates and are underwater with our mortgage by over $48,000.00.</p>
<p style="text-align: justify">Ironically, the same month we signed up to do FPU through a small group at our church, I was placed on a paid administrative leave from teaching due to residual effects from my aneurysm and stroke.</p>
<p style="text-align: justify">During the two months which I did receive full pay and the five remaining months when I received 80% of my salary, we followed the plan as best as we could and managed to eliminate more than $10,000.00 in debt. There still remains, however, about $25,000.00.</p>
<p style="text-align: justify">I made the higher income so the loss of my income has been a serious blow. Fortunately, my husband is able to supplement things somewhat by doing free-lance work in addition to his regular job. I was also just had my long term disability application approved by my employer&#8217;s insurance company as well as through the teacher retirement association. Even so, there is still a huge slash in our income and I am now unable to work. No one is standing in line to hire people with brain injuries and someone who is unmeasurable.</p>
<p style="text-align: justify">The good news is over the past 10 months by taking what we learned through FPU, we managed to not be delinquent on any of our bills whatsoever and even have our $1,000.00 emergency fund in savings plus some extra which will cover my salary loss for the next four to five months. Also, my health insurance was through my husband&#8217;s employer rather than through my own and I have just been told that due to my situation, the life insurance I had through my employer may be eligible to continue free of cost to me until I reach age 70 due to the nature of my disability.</p>
<p style="text-align: justify">However, and this is a big however. Even with all of the economizing which we have done, we were still facing a shortfall of about $1,200.00 a month due to unsecured debt.</p>
<p style="text-align: justify">Yes, we could have tried to negotiate lower interest rates on our own but we&#8217;d tried to do that in the past after my last illness and it was to no avail back then, even though we&#8217;d been current on payments up until that point.</p>
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		<title>Individual Voluntary Arrangement</title>
		<link>http://www.dmort-wmd.org/business-consulting/individual-voluntary-arrangement.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/individual-voluntary-arrangement.html#comments</comments>
		<pubDate>Mon, 20 Feb 2012 10:46:15 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Creditor]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt management plan]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[God]]></category>
		<category><![CDATA[Individual Voluntary Arrangement]]></category>
		<category><![CDATA[Payment]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=690</guid>
		<description><![CDATA[While I agree this should not be the first choice, I think there are times when this is a viable option. Due to cancer and a ruptured brain aneuryms and stroke, I am now on disability. Prior to my long-term disability being approved, we had a 60% loss of monthly income. Ouch! It&#8217;s better now [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">While I agree this should not be the first choice, I think there are times when this is a viable option. Due to cancer and a ruptured brain aneuryms and stroke, I am now on disability. Prior to my long-term disability being approved, we had a 60% loss of monthly income. Ouch!</p>
<p style="text-align: justify">It&#8217;s better now but still pretty sizable and when you add an upside down mortgage to that, it isn&#8217;t pretty.</p>
<p style="text-align: justify">I&#8217;m a former teacher and my union offered a benefit with a non-profit company who set up a DMP for us. We&#8217;d managed to make our very high interest payments earlier but knew we&#8217;d be unable too do so very soon.</p>
<p style="text-align: justify">In our situation, the DMP monthly fees are refunded to us after one year of completion in the program. With my health issues, the small administrative fee I pay has certainly been worth it. With my brain injury, the last thing I need is angry callers!</p>
<p style="text-align: justify">Now I must add that prior to going on the DMP, we&#8217;d managed to pay down $9,000 in debt in about nine months so we&#8217;d already made some good changes. It was just with the reduction in income and my inability to work, we would not be able to keep up the pace for more than a few months more. We still have a shortfall, even with the DMP but with careful management and God providing overtime and free lance opportunities for my husband, we&#8217;ve been able to get by. We decided to concentrate on our largest payment which is our vehicles which will be free and clear in just a few months and then we will at least have some breathing space.</p>
<p style="text-align: justify">In our case, I believe the DMP was a very good move. In fact, nowadays, negotiating a lower rate can be very difficult unless you do so through a DMP.</p>
<p style="text-align: justify">As far as the credit report goes, I have a monthly subscription and it has not had a negative impact on my score. Granted, I&#8217;d been current on all my bills at the time so that has helped. They are still reporting that I am paying as agreed and simply say I am enrolled in a payment program. The score has stayed the same since I began this four months ago.</p>
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		<title>Debt management plan</title>
		<link>http://www.dmort-wmd.org/business-consulting/debt-management-plan.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/debt-management-plan.html#comments</comments>
		<pubDate>Fri, 17 Feb 2012 10:52:05 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Credit score]]></category>
		<category><![CDATA[Creditor]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt management plan]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Payment]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=694</guid>
		<description><![CDATA[when I knew we could keep our head above water for a couple more months due to back pay I am receiving on my disability claim, I contacted this company. It will still be a challenge but we are going to be able to manage the new payment. We are still working the debt snowball [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">when I knew we could keep our head above water for a couple more months due to back pay I am receiving on my disability claim, I contacted this company. It will still be a challenge but we are going to be able to manage the new payment. We are still working the debt snowball and will continue to do so even under our DMP. My counselor is familiar with Dave Ramsey and was very glad to hear we had done FPU.</p>
<p style="text-align: justify">If you are looking at a DMP, I think you need to do your homework on the company you choose before employing them. I also think you need to be in a situation such as mine where the possibility of a permanent loss of income due to employment is very real.</p>
<p style="text-align: justify">Also, I think you need to monitor things. For years I have paid a small monthly fee to one of the credit bureaus which enables me to pull up both my credit score and how they are reporting all accounts as often as I like at no additional charge. I also have made it a habit for the past couple of years to check all of my credit card accounts online every day for a number of years.</p>
<p style="text-align: justify">Yes, sure enough, last night I confirmed that when my DMP said the companies accepted the agreement, it was true. I didn&#8217;t simply take their word for it. That&#8217;s not smart! I verified things with my creditors myself, just to be safe.</p>
<p style="text-align: justify">I think it is is like anything else. Although someone else is making the payment on your behalf, you are still responsible for ensuring it is done. Don&#8217;t just take their word for it. That&#8217;s silly! Continue to verify things with your creditors as well on a monthly basis. It is easier to fix something right when it happens as opposed to three to five years down the road.</p>
<p style="text-align: justify">BTW, we did pay off three debts under the snowball plan and another one will be paid off next month. I am applying that to my car payment and will have my car paid off in February. Then, you guessed it.</p>
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		<title>COUNSELLING SKILLS</title>
		<link>http://www.dmort-wmd.org/business-consulting/counselling-skills.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/counselling-skills.html#comments</comments>
		<pubDate>Mon, 13 Feb 2012 10:38:26 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Discovery Solutions]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Human resources]]></category>
		<category><![CDATA[List of counseling topics]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[Skill]]></category>
		<category><![CDATA[Succession planning]]></category>
		<category><![CDATA[Task manager]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=679</guid>
		<description><![CDATA[As leader or Manager in an enterprise needed the ability to be able to optimize the productivity, by focusing fix all problems that arise in the workplace through mechanisms of coaching &#38; counseling. The Manager&#8217;s role is the key to success here is to make employees manage the problems of using the resources of their [...]]]></description>
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<p style="text-align: justify">As leader or Manager in an enterprise needed the ability to be able to optimize the productivity, by focusing fix all problems that arise in the workplace through mechanisms of coaching &amp; counseling. The Manager&#8217;s role is the key to success here is to make employees manage the problems of using the resources of their own.</p>
<p style="text-align: justify">Data results coaching &amp; counseling can also be used as a data source in order of succession planning. From this data we can find out the strengths and weaknesses of employees, which can be recorded to be used as consideration in planning promotions. Development of employee skills and behavior may also be known to flee through another sangria counseling results sent to HRD.</p>
<p style="text-align: justify">With the three skills of managers in coaching &amp; counseling which includes listening skills (when it found a problem), defining skill problems (in order to find the true cause) and skill facilitating discovery solutions, managers are expected to be the facilitator. The Task Manager is to help optimize resources for his subjects to solve problems or achieve the target. How to do these things and what competencies you need can be found in this training.</p>
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		<title>Real Debt Management</title>
		<link>http://www.dmort-wmd.org/business-consulting/real-debt-management.html</link>
		<comments>http://www.dmort-wmd.org/business-consulting/real-debt-management.html#comments</comments>
		<pubDate>Mon, 06 Feb 2012 10:39:16 +0000</pubDate>
		<dc:creator>Andre Wongso</dc:creator>
				<category><![CDATA[Business Consulting]]></category>
		<category><![CDATA[Company]]></category>
		<category><![CDATA[Credit counseling]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt consolidation]]></category>
		<category><![CDATA[Debt management plan]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.dmort-wmd.org/?p=686</guid>
		<description><![CDATA[Debt management companies are springing up everywhere. These companies help &#8220;manage&#8221; your debt by taking one monthly payment from you and distributing the money among your creditors, with whom they&#8217;ve often worked out lower payments and lower interest. This is not a loan as with debt consolidation. Sometimes people get the two confused. However, because [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: justify">Debt management companies are springing up everywhere. These companies help &#8220;manage&#8221; your debt by taking one monthly payment from you and distributing the money among your creditors, with whom they&#8217;ve often worked out lower payments and lower interest. This is not a loan as with debt consolidation. Sometimes people get the two confused. However, because Americans are up to their eyeballs in debt, the debt management business has become one of the fastest-growing industries today.</p>
<p style="text-align: justify">Companies like Consumer Credit Counseling Service can help you get better interest rates and lower payments, but at a price. When you use one of these companies and then try to get a Conventional, FHA, or VA loan, you will be treated the same as if you had filed Chapter 13 bankruptcy. Mortgage underwriting guidelines for traditional mortgages will consider your credit trashed, so don&#8217;t do it. Real debt help is found only in changing your behavior.</p>
<p style="text-align: justify">In short, debt management companies are out. Hard work is in. Change your financial behavior and change your life—for good. True debt management is about one thing: you controlling your money.</p>
<p style="text-align: justify">
<strong>Real Debt Management</strong></p>
<p style="text-align: justify">The good news is that there&#8217;s not some magical, mystical formula to good debt management. The solution is common sense and having a plan for your Total Money Makeover. Grandma&#8217;s simple way of handling money. Good debt management is 80% behavior and 20% head knowledge. It isn&#8217;t rocket science as some debt management companies try to make you believe.</p>
<p style="text-align: justify">Is it easy? No. In fact, it&#8217;s really hard most of the time. But it&#8217;s worth it. It&#8217;s amazing to see people change their lives through simple determination and having a plan that works every time. Once you have a real debt management plan in place, its only a matter of time.</p>
<p style="text-align: justify">We have people every week email or call us about how they have paid off $10k, $20k, sometimes even $100,000 in debt. Now, you may be thinking, &#8220;Yeah, right. They must be making six figures to do that.&#8221; NO! These are just people who are serious about getting out of debt. Many of them are making $30,000 to $50,000 when they decided to be debt free. It&#8217;s all a matter of attitude. We call it &#8220;gazelle intensity.&#8221;</p>
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