A home finance company car insurance rate is determined in several ways. Home finance companies that sell car insurance are generally stable companies. They are very prompt about paying claims in most cases. They are large insurers who are diversified and can cover all their obligations.Home finance companies offer mortgage insurance and home owner insurance as a means to protect their investments. Auto insurance is not so obvious a move, but it protects their customers’ solvency, too.If you have an accident, you may be liable for damages to someone else’s car. That is usually the easy part. What can really break the bank is liability for injury of another person or persons.You could have to pay for medical expenses, which could be astronomical. A court could award pain and suffering to the victim. You might even have to pay loss of wages. The auto insurance will protect you from these losses.Many factors affect car insurance rates.

Having air bags can help your rates. If you have a wreck, your insurance might have to pay for injury to passengers in your car. Your home finance company car insurance rate will go down if you have air bags in your car to protect yourself and your passengers.
Having multiple cars helps. The more cars you have insured with your insurance company, the less you will pay per car.
Paying by the year is best. Even paying for six months at a time lowers your car insurance rate. If you pay by the year, it is even better. This is because the company does not have to bill you or do make entries on your account as often. If you pay every month, it is more of a hassle for them.
You can get a discount if you are in the military. This includes active duty members of all the military services. Veterans can get the discounts as well. If you are a member of the National Guard or Reserves you also qualify.
Senior citizen discounts can help you. If you are over 55, your home finance company car insurance rate could be lower. This is true of most insurance companies. It even makes more sense for home finance companies because your house is usually paid off or nearly so.
It pays to be a good student. Whether you are in high school or college, a grade point average of 3.0 or higher can earn you a better car insurance rate.
It helps to be accident-free. If you have not had an accident in five years or more, the car insurance company will look kindly on you. You are a good risk for them. You are not nearly as likely to have an accident as someone who has had many wrecks.
Having home insurance with the same company is a big plus. A home finance company that also sells auto insurance will reward you well if you take their home and car insurance both.
You can have some control over your home finance company car insurance rate. Do what you can and watch those numbers come down.

Ecommerce businesses are getting the true value of their investments by selling products through websites and minimizing the costs of administrative overheads and infrastructure. Businesses can focus on their core competency and outsource other operations to ecommerce providers.The year 2009, in spite of the shaky economy, saw more than $50 billion spent on ecommerce websites. And this astonishing figure is still growing at a rapid pace. The success of ecommerce as a business model can be attributed to its no fuss selling interface. Increasing number of businesses are launching ecommerce websites as these internet outlets are an ideal point of sale requiring no administrative staff, real estate or sales personnel. Web hosting services take away the it overhead by offering services for data storage and management. Ecommerce providers handle transactions and payments. This is a dream come true for businesses that want to sell on the internet.Ecommerce websites work perfectly in volatile marketsmost businesses have suffered the consequences of the economic crisis and are running low on funds and resources. It is to the business’ advantage to save on infrastructure and administrative costs. The internet has made the market global and competition is fierce. Businesses are compelled to tighten profit margins to stay in the market.Ecommerce websites offer the perfect solution for businesses to maximize sales and reduce costs. The internet hosted marketplace is changeable and businesses can alter the offers, product combinations, and advertising strategies on the website in minimum time. Hosted ecommerce solutions help internet businesses take advantage of evolving technology and changing internet usage practices.Hosted ecommerce solutions offer holistic ecommerce servicesthe design of the ecommerce website is critical as it is the portal through which customers can access business products and services. Ecommerce solution providers work with businesses to create an effective website design. Apart from providing advertising services and designing the structure of the web outlet, ecommerce hosting providers:* take over it and administrative operations
* deal with warehousing and inventory management
* work on marketing strategies
* optimize the ecommerce website designecommerce hosting services allow businesses to focus their time, effort and money on the improvement of their goods and services.Maturing of ecommerce businessecommerce businesses have shown remarkable strength in the global economic slowdown. Ecommerce websites have supported businesses by ensuring a revenue stream at a time when funds are low and costs are high. Web outlets help save further by taking away it and administrative overheads.Customers turn to ecommerce websites looking for competitive rates. Ecommerce outlets fall cheap as they offer more compelling bargains than their retail counterparts do. Customers also save the cost of driving to retail stores.The upward swing in ecommerce shopping during the 2009 slowdown is an indication of the success of ecommerce solutions and their arrival in the market. At a time when many businesses are bearing the brunt of the economic crunch, ecommerce businesses are growing at around 15%, a figure that promises to keep going up. Ecommerce businesses are here to stay.

Congratulations!By deciding to investigate the benefits of television advertising, you are taking the first step to more sales and faster profits. More businesses owners than ever are turning to television as a powerful tool to grow their profits. And it’s not the traditional “deep pockets” crowd either. Small and medium sized businesses are flocking to television advertising like never before. Some are coming away battered and bruised. But many are smiling ear to ear because they have unlocked the secrets to television advertising success – on a print or radio budget.The Golden Rule?Don’t let the tail wag the dog. You need to take control of your journey into television advertising so that it pays off.Does that mean you have to be an expert?No. But you do need to know how the industry and the medium work in order to end up with a cost-effective television advertising campaign.Which is exactly why we prepared “An Insider Guide To Crossing Over To TV Advertising… On A Print Or Radio Budget..And Making Plenty Of Profit!”It’s your GPS to an affordable and profitable TV Advertising experience.Now is the best time in history for small business owners to use television advertising to explode their sales! Airtime and commercial and television production rates are the most affordable they’ve ever been! Specialty channels let you laser target your ideal sales prospect.Television adds a level of credibility to you and your business like no other medium can do.There’s a reason you’re seeing video pop up just about everywhere as more and more business owners come to the realization that the more senses you can appeal to, the more likely it is that you can gain a foothold in the most crowded place anywhere – your prospect’s mind.Need any proof? Just look at the absolute astounding success of You Tube. People are attracted to watching video.Isn’t it time you jumped on board and gave it a try?The 5 secrets revealed below will help you leverage the power of television advertising in your business.Secret #1 Have A Clear Unique Selling MessageThis applies to all your marketing but is especially true when it comes to TV advertising.You need to provide your prospects with a compelling reason to want to learn more about your product or service.And, if you’re using a 30 or 60 second commercial to achieve this objective, you need to make sure your message is equipped to get your prospect to take the next step in your sales process.That’s why you must have a very clear message.What is the main benefit, promise or solution you want your prospect to walk away with?Or, put another way, what is your unique selling proposition (USP)?It’s important to have one otherwise you will have trouble differentiating your offer from those of your competitors.Not sure how to boil it down to a simple clear message?You can start by asking and answering the following questions:

Why do people buy from you? Why do people NOT buy from you? Really give this some thought and make a list.
What benefits do clients gain from doing business with you? People buy to gain benefits. What does your product or services DO for them
What emotional appeal does your product or service have? Does it provide a sense of relief? Make your clients feel a sense of pride? Television provides the perfect forum for hitting your prospect’s emotional hot buttons.
What problem do you solve or what need do you fulfill?
Another way to gather ideas for your USP is to survey your current clients.Ask them WHY they bought from you. Find out what problem you solved for them why did they pick you over the competition? You may be surprised by the answers. People buy for different reasons.In developing your USP, what you want to do is figure out the most common reason people decided to buy your product or service and then use that insight to create a powerful selling message that makes you stand out.Don’t forget to check out your competitors. Many times what is obvious to you and your competitors, isn’t obvious to your potential clients. And you can use that differentiate yourself from the rest of the pack. Here’s an example… Years ago, Folgers coffee decided they needed to increase sales. Competition was everywhere. So what did they do? They started promoting the fact that Folger’s was mountain grown and stamped “Mountain Grown” on their coffee cans. Sales exploded. After all, coffee grown on a mountain simply had to be special. Right? What the average coffee drinker was unaware of is that fact that MOST coffee is mountain grown. Folger’s simply used this little known fact to make itself stand out. The more finely tuned your USP is, the more effective your television campaign will be – and all of your marketing for that matter.Secret #2 Know Your Ideal ClientYour ability to generate sales leads from your television ad campaign will be greatly enhanced if you have a clear understanding of who your best prospects are and why they buy from you.Otherwise it’s virtually impossible to create an effective television commercial.This vital knowledge allows you to create a script that speaks to the specific needs of the people most likely to buy your offering and present your unique selling proposition in a compelling way.Your message resonates and creates a natural attraction. But let’s say you’re not exactly sure who your ideal client is? Or why they buy? How do you go about finding out?Well, a quick effective way to do it is to take a look at your current clients. Especially those you really enjoy working with. What do they have in common? Do they share a number of similar characteristics? You may already have a target market and just don’t realize it.Here are just a few “target market” criteria you can use to define your niche.

Age – try to narrow the age group range of your best prospects
Gender – who makes the decision to purchase your products or services? Who might influence it? This is important to know so you can make the right appeal.
Marital status (single, married, divorced)
Household Income. Do your best to estimate the income of your target customer.
Occupation – are your best prospects white collar construction, sales people, entrepreneurs, retired • Geographical region. (ex: Toronto, warm climate, people who live near water)
Lifestyle (professional, conservative, risk-takers)
Company size (self-employed professionals, Fortune 500, companies with $10 Million + in sales)
Industry specific (a marketing consultant who focuses on solo-professionals)
Leisure Time Activities – what do your customers do to relax and have fun? Hobbies? Pastimes? Once you complete your research – combining the information you have about your existing clients along with additional characteristics – you will be able to build your ideal target customer profile. This will give you will have a clearer understanding of the language and tone you should use in your script and what type of information your target market will be looking for.
And it will help pinpoint the type of audience your television commercial should be presented to in order to produce maximum sales results.Secret #3 Be Involved In the ProcessMany small and medium sized companies that shy away from television advertising quickly latch on to the “perceived” high cost (more about this in Secret #5) as a reason they have been reluctant to give it a try.But there’s often another factor lurking in the background that keeps many businesses from enjoying the success a professionally created television commercial can create.Simply put: for some, making the leap to the world of television advertising can be intimidating.In print, you write your ad and the publication runs it. In radio, you record your commercial and the station plays it.With television, there are a lot pieces that need to be pulled together to produce a successful advertising campaign and for those who haven’t been through the process before, it can be a real leap of faith.You need to be a kind of project manager for your television advertising experience. Do you need to be an expert? No. But you do need a sense of what the process involves so you can add to the experience where applicable.To help you understand the elements that provide the foundation for a successful TV advertising campaign, here is a checklist:

Budget – Many small and medium sized businesses don’t realize that the money they are currently investing in radio or print ad campaigns could be used to create an effective television advertising campaign – provided you know the secret (we reveal it in Secret#5) to avoiding one of the major hidden costs TV advertising. Production costs and airtime will be the two main components of your budget.
Script – The script is your ad in words. This is your core selling message. The script dictates who says what, the tone and expressions used, what is seen on screen, who moves when and where. A script will be necessary for your commercial.
Talent – This includes on-camera talent and voiceover talent. The more well-known and in-demand the talent, the more you pay. For many advertisers, local and regional talent will produce a professional result.
Production Elements – You need to decide what kind of graphics, audio, or music you want – along with any other special effects..
Length – Typically, TV commercial spots run 30 seconds. You can also run in 15-second and 60-second increments. An “infomercial” often runs 30 – 60 minutes and costs more to produce and to run.
At the end of the process, your TV commercial should answer one very important question for the viewer:’What’s in it for me?’The way to answer that question so that both you and your prospect end up with a positive outcome is to make sure your commercial is focused on how the viewer can benefit from your product or service.No one can sell your offering better than you.You must use every bit of selling information you can to gain favorable attention immediately with the viewer! Otherwise the viewer will click away and your investment will be wasted.And last, but definitely not least…Tell the viewer what you want him/her to do next!It’s incredible how many new TV advertisers (and some longtime veterans) fail to ask the viewer to take the next step in their selling process make this mistake. Do you want them to visit your web site? Pick up a phone and call? Come into your store? You need to lead them to where you want them to go next. Now, let’s move on to one of the costliest mistakes television advertisers make along with tips on how you can avoid it.Secret #4 Be “Marketing Ready” For Your ProspectMost businesses today use advertising and marketing as a way of initiating a relationship with a prospect. The same is true of television advertising.After all, a 30 second spot on TV isn’t going to answer every question.If your commercial has done its job, the next step is to invite your prospect to learn more about you can benefit him/her.This could involve an invitation to visit your web site, pick up a phone and call you or drop by your location.It’s critical to make sure that whatever you ask your prospect to do that you’re equipped to keep your prospect moving toward a sale.This is where many TV advertisers drop the ball and end up wasting their valuable marketing dollars..Let’s use a visit to your web site as an example. We’ll assume your prospect has watched your commercial and is shown your web site URL on the screen as it finishes.Your commercial piqued his curiosity and made him want to know more about you and your offering.Congratulations. You’re past the first hurdle – getting the prospect to take the next step in your selling process.But that’s all you’ve accomplished at this point.Now you’re moving on to the all-important “conversion” part of the sales process. Tons of visitors to your site won’t feed your family, pay your mortgage or let you lie around on the beach in Cabo San Lucas.For that, you need to convert your prospects initial interest into a sale.And a web site that doesn’t clearly pick up where your television commercial left off by immediately reminding your visitor ‘what’s in it for him’ and presenting your sales story in a compelling way is going to bring a selling opportunity to a grinding halt.What’s the point of tempting a bunch of hungry prospects only to have them arrive and you’ve nothing to feed them?Same thing holds true if you want them to call you. Every member of your team who has public contact must be ready to keep the momentum going.The job of your TV commercial is to attract the fish. The rest of the job – hooking the prospect (in an ethical way, of course) and getting him into the boat and converting him into a lifelong profitable client is the job of your marketing.You need to make sure your marketing message is consistent throughout ALL your marketing. Otherwise you won’t get the ROI you should.Secret #5 Don’t Let Tail Wag The DogTelevision advertising can be rewarding, but you need an experienced hand guiding you past the pitfalls so you can produce a profitable result. So far, we’ve armed you with the knowledge you need to make sure your television advertising efforts position you for a successful outcome. Now it’s time to introduce the key thread that ties it all together. Making sure you partner with an industry professional who knows the ropes. The first place many small and medium size businesses turn for assistance is an advertising agency. A very expensive mistake.Here’s why: Many ad agencies focus on “institutional” type or branding type messaging. They are image builders. While having a professional image is important, most of the businesses flocking to TV advertising these days need sales. You’re probably the same. You want viewers to watch your commercial and take the next step in your selling process. Maybe a visit to your web site or a phone call. For that, you need direct response television advertising. And many advertising agencies simply aren’t equipped for that. Nor do they know how to “convert” an interested prospect into a profitable lifetime client.But here’s the dirty little secret they hope you won’t find out about: Many don’t have in-house resources to write your script. Or television production facilities so they can shoot your commercial. Or an editing booth where they can edit your footage. Here’s what that means to you… If the ad agencies don’t have the resources themselves, they have to go outside, cobble together a team of industry professionals who can and pay them. Guess who gets stuck with all the middleman mark-ups? But this ‘don’t worry, the client will pay for it’ old school mentality doesn’t stop there. Once your commercial is ready to air, you need a TV program to run it on. For looking in a book and phoning up to schedule your spots, the ad agency will charge you 15% of your media budget. Is that how you want to spend your valuable media dollars? Having someone round up a bunch of people who can and charge you for doing it? Thought so. Here’s an alternative… Creative Bube Tube is a full-service, one source expert at producing direct response television advertising and corporate videos. We work with small and medium size business to help them generate profitable sales. Many of our clients are newbies. But we’ve opened the eyes of more than a few savvy veterans along the way.Here are four pillars we’ve built our business model on:

One Source – Every aspect of your television advertising is handled in-house by our team. This means you avoid the unnecessary added cost mark ups, delays and finger-pointing caused by too many fingers in the pie.
Expertise – We are television advertising experts. Period. It’s all we do. And we know how to sell. To you, that means campaigns that not only look professional, they send you a steady stream of qualified prospects.
Cost Efficient – Because we know our craft, we understand how and where to use your budget efficiently – without having to grease the palm of a number of disconnected middlemen. That way, every dollar you invest is working to increase your sales. The media relationships we have built through the years provide you with red carpet access to your target market – for a fraction of the cost you would pay otherwise – with no hidden fees.
Process – The key to effective affordable television advertising is sales driven creative, efficient production, proper planning and organization. That requires precise communication. Everything we do is in-house. We don’t outsource your creative to a production company that has no marketing background. Then send the footage after filming to a post-production house. Then hire a media buyer who has likely never even seen any of the creative. Then sit back and watch the confusion, as your budget gets chewed up in a sea of disorganization and chaos. Everyone on our team intimately is involved in your project – from beginning to end.
Creative Bube Tube makes television advertising effective and efficient – for both newbies and long-time television advertisers who are tired of wasting valuable marketing dollars propping up old-school practices. If you’ve been thinking about trying television advertising but have been holding off because you were concerned it was very expensive, we’d behappy to show you not only how you can afford it, but also how you can use it to skyrocket your sales results. Please call us today at 1-855 BUBE TUBE or visit our web site at http://www.creativebubetube.com and learn more about how we can help you generate a stream of profitable lifetime clients.2011 Creative Bube Tube

A Discourse on Techno-sociological BehaviorsTechnological advances are no longer terms that prompt confused facial responses and infantile explanations. The presence of these advances and a host of recreational gadgets transform mediocrity into fame. These projections are witnessed through television documentaries, motion pictures, and supportive media. The issues raised by technological advances guide the process of social gentrification. This is revealed by the attention paid to the definition of “technology”. There is variety of newly constructed social settings juxtaposed to an already delineated environment. This produces and articulates an enticing arrangement of social interaction. The appearance of acceptability and stability presented by these various mediums is void of theoretical development as a course of change agency. The social fabric of human interaction is achieved by re materializing loyalties of a new milieu toward immaterial cultural practices and fixation on the politics of identity. The immense influence of this societal and cultural movement towards technology, substitutes our attention from social principals and relations to behavior that taints social acceptance. The number of individuals who appear to be outwardly secure in the world of cell phones, game boys, and iPods is emergent. This conduct has displaced human elements of decision making based on firsthand experience and social contacts that would naturally materialize. Modern youth are not involved in social activities benefiting from the differences that various cultures have afforded. Ones proclivities are such that these isolated and collective social contacts produce the understanding possible to make connections that transcend the idiomatic behaviors of classes, consequential relationships, and acquaintances. Within this framework the complex manner assists in expounding everyday social life through the embodiment of meanings, values, and symbolism.The internet enjoys marked advances adding to the extent of global reach with worldwide web and wireless communications. Themes of debate emerge citing concerns of privacy, commerce, and security as an irreversible effect on the landscape of business and personal communication, as empirical proof to the state 21st century privacy is a direct result of our technological advances. When examining the impact of technology on the application of old laws and new technologies we find that there is a ‘wild west” style of social networking such as Facebook and MySpace yielding differentiated values and colloquial identity amalgamated under the technological umbrella. Considering the liberal humanism in which our young and their colleagues are engaged, the peopling of gadgets amidst a human landscape has led to a more insensitive incorporation of technology and human agency. Very few of the individuals engaged in the peopling of technology actually represent their theory in practice.The media, which serve as another stimulant in the lives of today’s youth and adult information, are in part responsible for communicating, “poor communication.” While lower standards are set by cutting edge media stars spoon feeding the illicit while sustaining these representations in the context of technology alluding to its affects as a social difference. Technological disadvantages and the isolation it creates, is a global phenomenon with local expressions. As the technological disadvantaged are labeled as unskilled labor, rural and urban America attempt to reveal the impetus behind the behaviors of anti social fears presented by its backlashWithin the clinical settings, beauty parlors, corner stores, and restaurants individuals share information and tell stories conveying verbal preservation of folklore with patrons engrossed in purveying stories to substantiate declamatory accolades. We find ourselves in a new form of discrimination through technology. This affection for privacy may not be exclusive, but the desire to escape the routine occurs without creating new ways to affix it in a subjective manner. For some the rejection of technology is a rejection of western values. The individualism and lack of communal effort can be realized within both, individuals who arrive from the suburbs, and the ever present factions in the city who feel you should be privy to their young families, foul language, and dirty laundry. The separable variables, iPods, make it easy to be individually and silently plugged into various modes of pacification while trenched in dominant ideals of suburban life, and the expression for new conditions of experience by a consolidation of new technological socialization initiated by an emerging influence of those who turn toward gangs, and those who adhere to a resurgence of separatist behaviors.We would be coaxed into believing this a natural order of progression in the human condition to exist positively affected by technological toys. Individuals exercise their right in taking back their privacy and peace of mind through escapism. The “let’s not be here now” approach to problems posed in the urban environment is dealt with through the personal head set. In the populist language of the future, “get away from it all” are attempts to hide the erosion of family values and neighborhood security. Technology has acquired many American jobs and ushered them overseas as off shoring accounts simplified through use of technology fueling revanchist behavior by the ever increasing manifestation of cheap labor. An entity technology can bring to your door step.Amidst another technological renaissance, consequent social behavior justifies a critique of the development and political contributions of the largest market comprising our private, leisure, and employment milieu. The dissociative and apathetic behavior of a transparent human social contract is sensitive to circumstances that promote the distancing of our next door neighbor, friends, and colleagues through technological mediums. Significant growth of the technological phenomenon since its inception is illustrated by the creators of Buck Rodgers and Dick Tracy to public agencies who tend to the aftermath these two forces generate. The difficulty of procuring a format to study technological continentalism, its cause and effect, and potential to impact the behavior of society through technology is a difficult one.

Communication at the job site is very often a challenge. From communication between the construction crew in the field and the main office to communication from primary leadership to superintendent to the field crew, there are many opportunities for missteps, miscommunication, and upsets. Yet the key to complete success with every job, whether big or small, is full and complete communication everywhere and at all times!Communication breakdowns lead to poor efficiencies, poor morale, or worse yet poor general outcome of the job! All of which have the potential to affect your personal bottom line. So, if poor communication between team members has the ability to negatively affect the profitability of our construction companies, why do we make communication on the job site so hard?Communication is difficult simply because we are human beings. We have lives outside of the work we do, and separating our lives, our feelings, and the people we are from the work we do simply is not doable. Meaning, that on the job site not only are we dealing with the job we do, the people we work with, and those things we are accountable for, but we are also carrying around circumstances and issues from our lives outside of the work we do. (Examples: family, health issues, bills to pay, homes to maintain, thoughts/feelings, and on and on and on!) Our communications have to filter through all of the “non-work” things on our minds in order for communication to really get through.Now, if we are so gripped by the stuff going on in our heads, how do we break through and become clear, concise, and honorable in our communications, in what we speak and in what we hear?Full and complete communication How-tosStep 1: Stop and think about who you are being.Well, we all know that treating others on the job site like we treat our children isn’t exactly the most effective way to get a job done. However, whether we actually say, “Because I told you so!” or not, the way we say things and how we behave can certainly make whatever words we use feel the same as a parent lowering the boom on their out of control teenager.Instead of being all about your own agenda – in a rush, giving short answers, and resorting to “Because I told you so,” slow down and think about how you are communicating, what you want to communicate and then communicate fully and completely why something is being done the way it is. Stay present to the question of: “Am I communicating so that what I’m saying can actually be heard or are the words I’m using, the tone of my voice or my body language in the way of the message getting through?”Remember: The speaker in any communication is responsible for what the recipient (listener) actually gets from the communication. So, if a gruff and short communication style isn’t going to get through to the team, consider what communication style will get through and adjust what you are saying and how you say it accordingly!Step 2: Do not assume anybody or anything!Assumptions are a part of how all of us communicate – we even make assumptions without realizing an assumption is being made! However, as Henry Winkler is quoted as having said, “Assumptions are the termites of relationships.”Assumptions about what our team members and co-workers do and do not know; are or aren’t going to say, or what they are or aren’t going to do are some of the greatest roadblocks we have to clear and complete communication! Assumptions turn a possibility into an absolute, and in a split second an incorrect assumption can lead us down the wrong path.We assume so much about our team members. Yet, we are working in the construction industry where the lack of training over the last 16-17 years has created an environment where many of the younger people working on-site flat don’t know how to do what you know how to do! So guess what? Not only do we as leaders have to give up our assumptions and be clear about what our team does and doesn’t know how to do, but we are going to have to teach them what they don’t know!Step 3: Teach instead of TellThe definition of Teach is: to cause to know something. The definition of Tell is: to order, or direct.When considering these two definitions, which one do you think communicates most fully and completely?Obviously, when we take the time to teach and explain to our co-workers why we do something the way we do, the results will be much better than if we simply tell them what to do. Yet, in most instances we aren’t teaching those around us anything… we are usually TELLING them what to do, and “Telling” does not translate well into an action or way of being that is easily duplicated.Step 4: Make sure you are not just heard, but understood too!Make sure those around you understand what is being asked of them in terms of the job they are to do and by-when they are supposed to do it; make sure what you intend to teach your team is what they are learning! As leaders, supervisors, or general team members on the job we have to not only know that what we are saying is being heard, but we have to make sure it is being understood too. Luckily there’s an easy way of checking in with crews on the job site to see if what we are saying is being heard. Speak from first person and say:”Some time back I was in a similar situation where Joe asked me to complete a project and after our meeting was over, I really didn’t get or understand correctly what he was asking and I ended up not doing what he wanted me to do. Therefore, would you mind please telling me what you understand out of our conversation so I can help you not to make the same mistakes I did?”Step 5: AccountabilityNow, there is the issue of people saying they heard, they gave it back to you like they heard and understood it, but they don’t do what they said they were going to do. What do you do then? Hold them accountable!Holding People AccountableFirst, you need to ask permission to speak straight with regard to the situation and acknowledge the circumstance from your perspective and any accountability you might have in the situation.Second, ask what happened and allow them the opportunity to share with you their perspective, and look for their understanding and acknowledgment of their responsibility.Third, explain the impact it had on you, them, others, and/or the company. Be careful not to make them wrong, but you do want them to clearly understand the consequences of their actions, or lack thereof.Fourth, provide them with the opportunity to say whatever they need to at this point. What you are looking for is an indication that they are taking responsibility and are willing to take part in any actions necessary to rectify the situation.Fifth, inform them of your expectations for the future and of any possible consequences if this reoccurs.Sixth, get from them their promise regarding future actions and behavior.Finally, say something to complete this issue and move on!Step 6: Give up Make WrongsOften times tense and less than complete communications are the result of upsets and misunderstandings between co-workers that put people in a defensive position. Listening or speaking from a defensive state of mind is no way to communicate fully and completely. After all, how well do we hear or communicate with others when we are continually planning out our own defense in our heads? It is in this case that all sides have to give up making others wrong, and rather than allow upsets to fester, we have got to communicate in a straightforward, but calm manner. For instance, “I really felt like you were accusing me of mishandling my interaction with the trade contractor and this is how it left me feeling.”By communicating directly with the person there is an upset with, there is little room for make wrongs and upsets to fester – meaning mole hills will not be made into mountains on the job site!Step 7: Make “I don’t know” OkayA lot of communications don’t happen simply because we do not want those around us to know that we don’t know!! So, we’ve got to foster an environment where we welcome questions, where we don’t just give lip service to the notion, but actually take the time to answer the questions those on our crew have before we move on to anything else! We’ve got to make it okay for any member on the crew to say: “I don’t know how to do this.” or “I don’t understand.” Also, when we make the room for questions to be asked, never ever make someone wrong for doing so. This is not just about full and complete communication on the human level, it is about building trust as well!The more your crew trusts what is said the more you will grow as a team, and it is inside of a well built team that full and complete communication can really grow.Ultimately the person responsible for the quality of any communication is the speaker. But remember: You can’t read other people’s minds and they can’t read yours, meaning full and complete communication is a two-way street, and just one barrier can throw the flow off. Don’t be the one to create the bottle-neck… Communicate fully and completely everywhere, all of the time!

Financial planning and investment is all about finding out where to invest your money so that you can get the best possible returns. Real estate investment has always been considered as safe because seldom the demand for real estate witnesses a dip. Property investment is the safest and there are strong reasons as to why it is given priority than other forms of investments like mutual funds, bonds, stocks and ETF. You can literally grow your money through property investment with minimum risk.Investors skittish of stock market investments prefer to invest in the real estate market but there are many who have not yet got over the 2008 downturn. Scars of those days have not yet healed for many and they are not ready to invest just for the sake of property investment. They need strong and logical reason behind this investment; they prefer to wait it out rather than put in all their money hastily.If you take property investment decisions in haste, chances are high that you will end up with something in your portfolio that would fail to produce the desired ROI. In property investment, only four different routes prevail; however, here we are going to look at only two of the most popular ones.First: You can go ahead and invest in a rental propertySecond: You can buy shares in the REIT or real estate investment trustBuying the rental property is quite straightforward method wherein you buy a rental property and give it out on rent. However, this type of investment is not for everyone as many fail to juggle their professional lives and at the same time upkeep a property like a landlord. It takes a lot of time and effort to maintain the property you buy unless you are using the services of a management company. You can obviously use the services of a management company but be ready to take a cut in your profits.On the other hand if you invest in REIT, you don’t have to actually own a property on the ground and go into the landlord-mode. It operates just like a mutual fund and the only difference here is that it is property investment. The trust is a group of investors who make property investment and lets the individual investors buy its shares. The trusts are able to receive tax benefits as they pay a major chunk of their income to their shareholders. You can buy shares on public investments, which implies that your investment is quite liquid. You are ensured of regular dividends.Two other methods of property investment that are often used by investors include notes and croudfunding portals.Notes – You will be able to invest in second mortgages, paper notes etc. You can even sell or buy notes just like other real estate invest estates. The best thing is that there are no brokers involved in this.Crowdfunding Portals – Many people with similar investment interests can come together to fund real estate investments. This is a new form of investments and is being tried out by some.